Speed Lending has now rebranded to the new brand All Seasons. Finance

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Licole Yao

Branch Manager & Founder

Mobile: +61416188180

8 Years Of

Over 8 years of experience in the credit industry, graduated from Fudan University with a degree in Management, won the Top Sales Personal Performance Award for 5 consecutive years & won Suncorp Top 1 Best Performing Broker for the second half of 2021, has resolved loans for various clients totaling over $400 million.


Home Loan

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Supporting First Home Buyers

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance.
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Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
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Home loan refinance services can offer homeowners a range of benefits, including lower interest rates, reduced monthly payments, and the ability to pay off their mortgage sooner.
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Commercial Loans

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered.
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Standard Variable & Fixed Rate Loans

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years.
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Honeymoon Loans

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate.
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Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased.
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Asset Finance

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes.
Featured Product


Discover a new way to manage your finances and make the most of your home equity. Speed Lending’s NO MONTHLY PAYMENTS Home Loan is designed to give you greater financial flexibility, and we’re excited to help you achieve your goals.

Household Loan (reverse mortgage)

Our Household Loan is a type of reverse mortgage that’s been designed to work within Australia’s retirement system. It can help you unlock the wealth accumulated in your home to enhance your lifestyle and wellbeing in retirement, without needing to sell or downsize.

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Our Clients
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Happy Clients
What We Do

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Our Lenders

ANZ logo - Speed Lending
Commonwealth Bank
St.George logo - Speed Lending
Macquarie - Logo
ING Group - Logo
Me logo - Speed Lending
Firstmac Limited
Heritage Bank - Speed Lending
Pepper Money - Logo
BOQ - Speed Lending
Mezy Home Loans Logo
Newcastle Permanent Logo
Better Mortgage Management Pty. Ltd. - Logo
Bank Of Sydney - Logo
MyState - Logo
Red Zed logo - Speed Lending
Resimac Group - Logo
Connective Home Loans Logo
Virgin Money Logo


Yun Geng
Yun Geng
I am much appreciated for Shane's help. After knowing my situation, he quickly gave a lot of advice. He is very efficient and professional.
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e z
Shane is very reliable and knowledgeable professional. He has answered all my questions with patience. I am very impressed with Shane's hard working to find the best rate for me and my entire financial process went so smooth finally. I will highly recommend Shane to all my friends and to everyone!
Peng Jane
Peng Jane
I recently had the pleasure of working with Licole from Speed Lending and I must say that the experience exceeded all my expectations. From the very beginning, I was impressed by their professionalism, expertise, and dedication to finding the best mortgage solution for my needs. Right from our initial consultation, it was evident that Licole possessed an in-depth understanding of the mortgage market and a keen insight into current trends and rates. They took the time to patiently explain the various mortgage options available, ensuring that I had a clear understanding of the terms, conditions, and implications associated with each choice. Communication was seamless from start to finish. Licole was proactive in providing updates, answering any questions I had, and ensuring that I felt comfortable every step of the way. Their prompt responsiveness and willingness to go the extra mile to address any concerns truly set them apart. I wholeheartedly recommend Licole to anyone seeking mortgage assistance.
Rahat Majumder
Rahat Majumder
Shane provided fantastic advice and support in helping me obtain a pre-approval. Shane has outstanding knowledge with the home loan industry and really helped me understand about my best options are. Shane is very hard working, caring and approachable. I would not hesitate to use Shane again.
Great service and speedy approval! Broker Licole is very knowledgeable and was very patient with all my questions and queries - would definitely recommend!
Ki Ki Nip
Ki Ki Nip
Nicole is super professional and efficient. My pre-approval was released in a week. Will definitely recommend to everyone!
Victor Yu
Victor Yu
A big thank you to Licole for your assistance in refinancing my home loan. Your expertise was second to none and took all the pain out of the process. I strongly recommend her to anyone who needs financial assistance!
Yaoyao “Yvette” Zhang
Yaoyao “Yvette” Zhang
Licole and her team have been excellent in assistance me with my loan. Got my loan done within a week. They have kept abreast of the market and were possible managed to get a better rate from my lender without me requesting this. Highly recommend
Ai Ly
Ai Ly
Licole is professional and patient! The loan request was approved in just couple of days! Highly recommended! Licole and Shane also helped me with the new loan, and provided prompt advice always! Thanks team.
02 9758 2182
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