Director & Mortgage Broker · Osborne Park, Perth
Co-founder. 20+ years in finance. Over $700M in loans settled. Australia's Top 100 Mortgage Brokers, three years running. Dave can run every type of home, investment, refinance, construction or commercial loan across 30+ lenders. Most clients pay no fee. You deal with Dave the whole way, not a call centre.
Background
Dave co-founded Central Lending Solutions and has spent more than 20 years helping Perth families and investors find the right loan. He has settled over $700 million in mortgages and been named to Australia's Top 100 Mortgage Brokers list three years in a row.
His clients lean on him for first home purchases, upgrades, investment property, and development finance. He holds a Bachelor of Business, a Diploma in Financial Services, and Certificate IV in Finance and Mortgage Broking, and is a full MFAA member.
What I do
Every accredited broker at CLS is across the full lending stack. You are not handed off, escalated, or pushed into a junior queue. The broker you meet is the broker who sees you through to settlement, across every loan type below.
Owner-occupier home loans across 30+ lenders
Rate health checks, break-even analysis, structure reset
FHOG, stamp duty concessions, First Home Guarantee
Portfolio structure, equity release, IO vs P&I
Land + build packages, progress payments, valuations
Owner-occupied premises, SMSF, business lending
Western Australian government low-deposit loans
Credentials
In their own words
4 verified Google reviews that mention Dave by name, from CLS's 307+ five-star reviews.
Dave and Melinda have been fantastic, very professional, responsive and informative. Provided a number of options to refinance our home for a better interest rate, and have gone above and beyond to make the whole process as easy as possible.
— Vanessa
I am delighted to share my outstanding experience with Dave & Melinda. Securing finance for a new home can be daunting, but the team at Central Lending Solutions made the entire process smooth and stress-free. From the initial consultation to the final approval, their professionalism and expertise were evident. They were always available to answer my questions, explain the finer details, and offer invaluable advice tailored to my financial situation. Their commitment to transparency and customer satisfaction truly sets them apart in the industry. Thanks to Central Lending Solutions, I am now the proud owner of a beautiful new home. I highly recommend their services to anyone seeking reliable and supportive financial assistance. Their dedication to helping clients achieve their dreams is unmatched.
— Phillip N.
Absolutely fantastic brokers. We’ve dealt with Dave, Lizzie and Melinda. Can’t rate them enough. Fast replies to emails with fantastic information and easy guidance. I would never use another broker apart from this great team.
— lisa s.
Absolutely first class and seamless working with Dave Phelan and the team at Central Lending Solutions! All the hard work taken out of it. Fast and clear open communication and the best deal on our mortgage. Couldn’t be happier with this business.
— Dan N.
Get in touch
Ready when you are
No pressure, no fee for most clients. A real conversation about your goals, your numbers and your options across 30+ lenders.
The full team
Director, Mortgage Broker
Co-director. 10+ years as a finance broker. Over $500M settled. Hawthorn supporter and family man.
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Mortgage Broker
30 years in finance. Construction finance specialist.
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Mortgage Broker
15+ years in financial services. Bankwest Best Newcomer 2020/2021. Active in the Perth Irish community.
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Broker Support
25+ years across the WA and Queensland finance industry. Compliance and lending operations.
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