Dreaming of a house

Interest Rates

Fixed or Variable ....  Both super low.

Affordable Housing

How can you afford a bigger home?

Perception Group adds financial planning.


We have lenders offing home loans so low its almost unbelievable:










New Owner Occupied, Principal & Interest, Package Loans4. LVR 60-80%. $395 annual package fee. Credit criteria, T&Cs, fees and charges apply.


4 Year Fixed

Rates from



Comparison Rate 


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MoveUp2 is a pathway to safely assist family, friends and community heroes to enter residential property in an affordable manner much earlier than traditional products.​


Right Plan Capital has joined with Perception Group with  Financial Planning to provide unrivaled support and advice to its clients.







With access to over 40 lenders, there is no doubt that we can find just the right lender no matter what your needs.



With access to major local and international lenders, we can provide loans for a duplex up to high rise development projects.



Cars, trucks, boats, forklifts, computer systems, office fitouts, planes, machinery, the list goes on.



Have you considered all the different structures available for an investment loan? Theres is lots to consider when looking into these opportunities.



Need a cash injection to help your business with an overdraft or maybe some debtor finance?



If you are looking for that advice with Super, Insurances, Property Investment, Tax Positioning or how to retire, then you need to visit RIGHT PLAN CAPITAL.



Be sure you get the right advice as these loans have lots of fine print. We have access to several lenders that can help you secure that long term superannuation investment.

Low Doc Loans


Self employed and not up to date with your financials? We have access to loans that dont require tax returns to allow you to qualify for a loan.


Neil Cato


M :  0400 415 005

E :

Neil is an experienced Mortgage Broker active since 1999 and is accredited with over 40 lenders. He is a qualified real estate agent and a qualified financial planner with expertise in several areas in handling investment opportunities with his clientele. Neil was an integral part in developing a unique and affordable housing solution named MoveUp2, which is a revolutionary scheme developed with the aim of assisting people in purchasing their own house sooner than they initially anticipated.


Neil has hands on experience and is currently involved in providing financial solutions to developers which includes Term Loans from local and international banks, Joint Venture Options and Bank Guarantee facilities.


Having held positions in corporate roles such as Broker Training Manager, NSW Sales Manager and Senior Corporate Relationship Management, Neil has an extensive knowledge of the mortgage industry and combined with financial planning and real estate expertise, he is able to provide a well rounded solution to his many varied clients needs.

Matthew Osborne

Finance Manager

M :  0499 994 390

E :

Jason Luke

Ocean Mortgages

M :  0405 588 201

E :

Leslie Smith

Mortgage Broker

M :  0408 280 857

E :

Tony Allen

General Manager

Equipment and Vehicle Finance

M :  0425 350 084

E :

Anthony Fiorenza

Finance Concepts Manager

M :  0424 302 225

E :

He has successfully held positions such as the Head of Credit, and Senior Credit Manager for a number of financial organisations over the years and has a sound understanding of credit legislation, policy formulation, service delivery and the processes involved in loan assessment.

Matthews most recent role was that of a Mobile Lender with ANZ, where he was awarded The
Customer Real Time Feed Back Award, a National Award for outstanding service to customers.
Matthew prides himself on delivering a quality service and tailoring a solution to meet your
objectives under the best possible terms. Feel free to give Matthew a call and see why he is so highly regarded as a mortgage broker.

Matthew adds to the Perception Group offering a wealth of experience having worked in the finance sector for over 25 years, and now operates as qualified mortgage broker.




The Perception group of Companies includes Perception Lending, RIght Plan Capital, Perception Leasing and Perception Property Divisions to assist you with your personal financial lending, business finacial lending, wealth management and property needs.


Established in 2008 The Peception Group has grown very quickly with over 20 associated mortgage brokers and finance specialists located across the East Cost of Australia. Perception has developed strategic relationships with companies such as Home Affordability Solutions, Brokers Equity and several major lending institutions. Perception also has financial planners and licensed realestate agents on the team ready to assist.


There is often far more to your finances that what appears just on your home loan statement. Never assume that "what looks right is right". Consider your overall financial position as it is today and then thinkabout where you would like to be in 5, 10 & 20 years time. Most people should start to wonder what they can do to change their financial position. This is the advantage of The Perception Group. We look to improve the "now" and the "later" options to give you ideas on how to plan and what actions that you can take to provide you with a more stable and profitable future.


The finance industry is huge offering finance terms on so many different things. If you have something that you would like funded, there is a very good chance that we have already done it for someone else. If we haven't then we will find out the best option available for you.

Perception Wholesale Lending Solutions Pty Limited  ABN 17 152 560 480

Authorised Credit Representatives of Credit Licences 486005 & 389328



Level 1, 2A Doncaster Ave

Narellan  NSW  2567 




Level 7, 91 Phillip St,

Parramatta  NSW  2150 

Tel:  (02) 8404 0455




PO Box 273,

Campbelltown  NSW  2560


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