Our Difference
Strategic lending advice backed by experience, judgement and clear thinking
About Evolve Lending & Finance
Evolve Lending & Finance is an Australian mortgage and finance broking business based in Parramatta, Sydney and Penrith. We help clients make better borrowing decisions across home loans, refinancing, property investment, self-employed lending, SMSF lending, business finance, commercial property loans, asset finance and more complex lending scenarios.
Our role is not simply to find a loan.
It is to understand the borrower, assess the structure, identify the right lender fit and help present the application clearly from the outset.
Good borrowers can still face poor outcomes when a lending scenario is not structured properly. A strong application is not just about income, security or rate. It is about how the full position is assessed, explained and matched to the right lender.
Whether you are buying a home, refinancing, investing, funding a business, purchasing commercial property, financing equipment, borrowing through an SMSF or working through a more complex credit scenario, our focus is the same: clear advice, suitable structure, strong lender fit and proper follow-through.
Who We Are
Evolve Lending & Finance is the trading name of 123 Fin Pty Ltd ATF 123 Fin Unit Trust.
We operate as a mortgage and finance broking business and are a credit representative of Beagle Finance Pty Ltd, Australian Credit Licence 383640.
Evolve Lending & Finance is a member of the Mortgage & Finance Association of Australia and has access to dispute resolution through the Australian Financial Complaints Authority.
We are also supported by Finsure as our aggregator partner.
Our business is led by experienced finance professionals who understand that lending is rarely just about finding the lowest advertised rate. The right outcome often depends on lender policy, loan structure, income type, documentation, security position, timing and how the application is presented.
Why Evolve Is Different
We do not believe good lending advice starts with chasing the lowest advertised rate or pushing the quickest application.
It starts with understanding the client’s full position, the purpose of the lending, the risks in the application and the strategy behind the decision.
That matters whether you are buying a home, refinancing an existing loan, investing in property, purchasing commercial premises, funding business growth, financing equipment or trying to find a way forward after a previous lending setback.
At Evolve, our focus is on:
- understanding the borrower and the broader objective
- assessing the full lending position before recommending a path forward
- structuring the application properly before it reaches a lender
- matching the scenario to lenders with the right appetite
- explaining the options clearly
- helping clients avoid preventable mistakes, delays and declines
- supporting the process from early strategy through to settlement and beyond
We are not here to push volume. We are here to help clients make better borrowing decisions with clearer advice and stronger execution.
Advice Built Around Lender Fit, Not Shortcuts
As mortgage and finance brokers, we are required to act in our clients’ best interests under the Best Interests Duty.
That matters.
It means our role is not to push a lender’s product. It is to assess the available options properly and recommend a path that aligns with the client’s circumstances, objectives and borrowing needs.
In practice, this means looking beyond the surface of an application.
A borrower may have strong income but the wrong documentation. A business owner may be profitable but not fit a standard bank policy. An investor may have equity but need a more suitable loan structure. An SMSF trustee may have a viable commercial property opportunity but need the borrowing arranged correctly from the start.
This is where experience, lender knowledge and proper presentation can make a meaningful difference.
What We Do
Evolve Lending & Finance helps individuals, families, investors, business owners, professionals, self-employed borrowers and advisers navigate a wide range of lending needs.
Our key services include:
- Home loans
- Refinancing
- First home buyer loans
- Investment property loans
- Self-employed home loans
- Low doc lending
- Complex and declined home loan scenarios
- Construction loans
- Bridging finance
- SMSF lending
- SMSF commercial property loans
- Commercial property loans
- Business loans
- Unsecured business loans
- Business debt restructuring
- Asset finance
- Business vehicle finance
- Equipment finance
- Truck and machinery finance
- Medical finance
- Rural and agricultural lending
- Reverse mortgages
- Expat home loans
- Insurance premium funding
- Novated leasing
Our advice is designed to help clients understand not only what may be possible, but also what structure may be most suitable for their broader financial position, lender requirements and longer-term plans.
Who We Help
We work with clients across a broad range of borrowing situations.
This includes:
- home buyers looking for the right loan structure
- first home buyers needing guidance before applying
- existing borrowers considering refinancing
- property investors building or restructuring a portfolio
- self-employed borrowers with business income
- business owners needing working capital or asset finance
- clients who have been declined or told they do not fit standard lending policy
- SMSF trustees considering commercial property lending
- professionals purchasing rooms, practices or business assets
- farmers and rural borrowers with seasonal or more complex income
- clients needing commercial, business or private lending solutions
- accountants, financial planners, buyers’ agents, solicitors and other advisers seeking lending support for their clients
Many clients come to us because their situation does not fit neatly into a standard box. Our role is to help them get clear on their options before an application is submitted.
Leadership Team
Mark Stevenson
Managing Director, Evolve Lending & Finance
Mark Stevenson leads Evolve Lending & Finance with more than 20 years of experience across finance, credit and broking.
His background spans asset finance, consumer credit risk, finance advisory and mortgage broking. In 2022, Mark achieved billion dollar broker status, recognising more than $1 billion in settled loans.
Mark is known for handling more complex lending scenarios with a calm, practical and commercially sharp approach. His focus is simple: understand the client properly, structure the deal properly, and help clients make better lending decisions.
His background spans asset finance, consumer credit risk, finance advisory and mortgage broking. In 2022, Mark achieved billion dollar broker status, recognising more than $1 billion in settled loans.
Mark is known for handling more complex lending scenarios with a calm, practical and commercially sharp approach. His focus is simple: understand the client properly, structure the deal properly, and help clients make better lending decisions.
Les Patonay
Senior Mortgage Broker, Evolve Lending & Finance
Les Patonay is a Senior Mortgage Broker at Evolve Lending & Finance, helping clients with residential lending, refinancing, property finance and lending structure.
Les works with clients to understand their borrowing goals, assess suitable options and guide them through the lending process with clear communication and practical support.
Patrick Patacsil
Asset and Business Finance Broker, Evolve Lending & Finance
Patrick Patacsil is an Asset and Business Finance Broker at Evolve Lending & Finance, assisting clients with vehicle finance, equipment finance, business lending and asset funding solutions.
Patrick helps business owners and individuals access suitable finance options for vehicles, equipment, machinery and other business assets.
Our Achievements
Evolve Lending & Finance has been recognised through multiple industry awards, broker rankings and professional memberships.
These include:
- Brokerage of the Year: Diversification - Australian Mortgage Awards
- 2022 MPA Top Commercial Broker recognition
- 2022 FIN Awards NSW Best Brokerage recognition
- Finalist - Best Commercial Business
- Australian Broking Awards finalist recognition
- Mortgage Professional Australia Top 100 Broker recognition
- More than 10 continuous years of MFAA membership
- AFCA membership
These achievements reflect our broader focus on residential lending, commercial finance, business lending, asset finance and more specialised borrowing scenarios.
While recognition is important, our real measure is the quality of advice, structure and support we provide to clients.
Our Locations
Evolve Lending & Finance services clients across Australia, with key office locations in Western Sydney and the Sydney CBD.
Parramatta Office
153 Macquarie Street
Level 14, 3 Parramatta Square
Parramatta NSW 2150
Sydney Office
115 Pitt Street
Level 5
Sydney NSW 2000
Penrith Office
Unit 2 D/21 Lawson St
Penrith NSW 2750
We regularly assist clients across Parramatta, Penrith, Greater Western Sydney, Sydney, New South Wales and Australia-wide through phone, video and online appointments.
Clear Advice, Wherever You Are
We work with clients across Sydney, Western Sydney and Australia-wide.
Some clients prefer to meet face to face. Others prefer phone, video or online appointments. Either way, our process is designed to make lending clearer, more structured and easier to navigate.
Whether your lending need is straightforward or complex, our focus remains the same:
- clear advice
- suitable structure
- strong lender fit
- proper follow-through
Partner Network
Evolve Lending & Finance proudly supports Aspect - Autism Spectrum Australia.
As part of our community commitment, Evolve donates to Aspect for eligible settled loans, helping support an organisation that provides services, education and advocacy for people on the autism spectrum and their families.
This partnership reflects our broader commitment to community, inclusion and making a positive impact beyond lending.
Proudly Supporting Aspect
Evolve Lending & Finance proudly supports Aspect - Autism Spectrum Australia.
As part of our community commitment, Evolve donates to Aspect for eligible settled loans, helping support an organisation that provides services, education and advocacy for people on the autism spectrum and their families.
This partnership reflects our broader commitment to community, inclusion and making a positive impact beyond lending.
Why Clients Choose Evolve Lending & Finance
Clients choose Evolve because they want more than a basic comparison or a quick transaction.
They often need help understanding:
- which lenders may suit their circumstances
- whether they are ready to apply
- how much they may be able to borrow
- why a previous application was declined
- how to structure lending correctly
- how business or self-employed income may be assessed
- whether an SMSF or commercial lending structure may be possible
- how to approach a more complex scenario with confidence
Our role is to simplify the process, explain the options and help clients make better-informed lending decisions.
Key Service Areas
Explore our main lending services:
- Home Loans
- Refinancing
- First Home Buyers
- Investment Property Loans
- Self-Employed Home Loans
- Low Doc Home Loans
- Complex and Declined Scenarios
- SMSF Lending
- SMSF Commercial Property Loans
- Commercial Property Loans
- Business Loans
- Business Vehicle Finance
- Equipment Finance
- Construction Loans
- Bridging Finance
- Medical Finance
- Rural and Agricultural Lending
- Reverse Mortgages
- Expat Home Loans
- Insurance Premium Funding
- Novated Leasing
Areas We Service
Evolve Lending & Finance helps clients across Australia, with a strong focus on:
- Parramatta
- Penrith
- Sydney
- Greater Western Sydney
- Blue Mountains
- Hills District
- Blacktown
- Liverpool
- Campbelltown
- Norwest
- New South Wales
- Australia-wide online lending appointments
Our office locations allow us to meet clients locally, while our phone, video and online process allows us to support borrowers across Australia.
Official Profiles and External Links
To help clients verify Evolve Lending & Finance and find us across trusted platforms, our key external profiles include:
- Google Business Profile - Parramatta
- Google Business Profile - Penrith
- Google Business Profile - Sydney
- LinkedIn company profile
- Facebook profile
- Instagram profile
- YouTube channel
- TikTok profile
- MFAA Membership
- AFCA Membership
- Chamber of Commerce - Parramatta
- Chamber of Commerce - Penrith
- Chamber of Commerce - Sydney
- Trusted partner listings
Speak With Evolve Lending & Finance
Every lending scenario is different. The best way to understand your options is to speak with a broker who can review your circumstances, explain what lenders may look for and help you work out the most suitable next step.
Whether you are buying, refinancing, investing, self-employed, borrowing through an SMSF, funding business growth or dealing with a more complex lending situation, Evolve Lending & Finance can help you get clear on your options.
FAQs
Is Evolve Lending & Finance a mortgage broker?
Yes. Evolve Lending & Finance is an Australian mortgage and finance broking business. We help clients compare, structure and apply for lending across home loans, refinancing, investment property loans, self-employed lending, SMSF lending, business finance, commercial property loans and asset finance.
Where is Evolve Lending & Finance based?
Evolve Lending & Finance is based in Parramatta, Sydney and Penrith. We also assist clients across New South Wales and Australia-wide through phone, video and online appointments.
Who owns Evolve Lending & Finance?
Evolve Lending & Finance is the trading name of 123 Fin Pty Ltd ATF 123 Fin Unit Trust.
Is Evolve Lending & Finance licensed?
Evolve Lending & Finance is a credit representative of Beagle Finance Pty Ltd, Australian Credit Licence 383640.
Is Evolve Lending & Finance a member of the MFAA?
Yes. Evolve Lending & Finance is a member of the Mortgage & Finance Association of Australia.
What types of loans does Evolve Lending & Finance help with?
Evolve Lending & Finance helps with home loans, refinancing, first home buyer loans, investment loans, self-employed lending, SMSF loans, commercial property loans, business loans, asset finance, vehicle finance, equipment finance, construction loans, bridging finance, reverse mortgages and complex lending scenarios.
Does Evolve Lending & Finance help self-employed borrowers?
Yes. Evolve Lending & Finance regularly assists self-employed borrowers, business owners and company directors who may need help with income verification, lender policy, documentation, loan structure and lender selection.
Does Evolve Lending & Finance help with SMSF loans?
Yes. Evolve Lending & Finance assists with SMSF lending, including SMSF commercial property loans. SMSF borrowing involves strict rules and should be considered alongside appropriate financial, tax and legal advice.
Does Evolve Lending & Finance work with business owners?
Yes. Evolve Lending & Finance helps business owners with business loans, commercial property finance, asset finance, vehicle finance, equipment finance, debt restructuring and working capital solutions.
Can Evolve Lending & Finance help if a loan has been declined?
Yes. Evolve Lending & Finance assists clients with complex and declined lending scenarios. A declined loan does not always mean borrowing is impossible. The right outcome often depends on why the application was declined, whether another lender may assess the scenario differently and how the application is structured.
Does Evolve Lending & Finance only help clients in Sydney?
No. Evolve Lending & Finance has office locations in Parramatta, Sydney and Penrith, but also helps clients across New South Wales and Australia-wide.