Room to grow starts with the right loan.
Whether you're buying your first home, refinancing an existing loan, or purchasing a lifestyle property with a little more room to move, finding the right lender makes all the difference. With access to a broad panel of lenders, including specialist and regional options, Valley Lending Co. helps you explore opportunities that aren't always available through your everyday bank.
Your mortgage broker
Meet Spencer
Valley Lending Co. is Spencer Clarke, a mortgage broker who believes the right loan is the one that still fits in ten years, not just the one that gets approved this month. He compares options from a panel of lenders and explains the trade-offs in plain language, so the decision is genuinely yours.
Learn more about meWhat Spencer does
Four ways to put a broker in your corner
Buying a home
Whether it is your first place or your fourth, Spencer compares loans from a panel of lenders against your deposit, income and plans, and explains the trade-offs before you commit to anything.
Refinancing
Loans drift. Rates move, lives change, and a structure that fitted five years ago can quietly cost you now. A review tells you whether switching is worth it, and if staying put wins, that is the advice you get.
Your first home
Pre-approvals, deposits, government schemes, settlement: the first purchase asks you to learn a new language under pressure. Spencer takes it one step at a time, in order, until the keys are in your hand.
Investment lending
How an investment loan is structured matters as much as its rate. Spencer arranges lending that sits properly alongside what you already hold and supports the strategy you and your advisers have set.
Acreage and lifestyle properties
A few acres out of town is a different kind of purchase, and lenders assess it differently: land size, zoning, access and services all shape your options. Spencer helps you read a property's lending picture before you make an offer.
How it works
Four steps, taken at your pace
-
A conversation first
Tell Spencer what you are trying to do, whether that is a first home, a refinance or a few acres out of town. No documents, no obligation.
-
Compare the options
Spencer looks across his panel of lenders and explains the trade-offs of each option in plain language, so the decision is genuinely yours.
-
Apply with a clear plan
Paperwork, lender questions and timing are handled for you, with an update at every step so you always know where things stand.
-
Settle, and stay in touch
The loan settles and the conversation does not end there. As life changes, Spencer is the person to call about whether the loan still fits.
Frequently asked questions
What makes Valley Lending Co. different from other mortgage brokers?
Not all mortgage brokers have access to the same lenders. At Valley Lending Co., Spencer has access to an extensive panel of lenders, including smaller banks, credit unions and specialist lenders that aren't available through many other brokers. This gives you more options when finding the right loan, particularly if your circumstances don't fit standard lending policies. Whether you're buying your first home, refinancing, self-employed or purchasing acreage, having access to more lenders and understanding their different policies can make all the difference.
Why use a broker instead of walking into my bank?
Your bank can only offer you its own products. A broker works for you and compares options across a panel of lenders, then handles the paperwork and stays involved through settlement and beyond.
Do I pay for Spencer’s help?
For most home loans, no: the lender pays the broker a commission. Before you commit to anything, Spencer will set out exactly how he is paid on your specific loan, in writing.
What happens in the first conversation?
You talk, he listens. Where you are, what you are working towards, what is worrying you. No documents, no credit checks, no obligation. You will leave knowing what your realistic next step is.
Start with a conversation
No forms, no documents, no obligation. Tell Spencer what you have in mind and he will tell you, honestly, what your options look like and what a sensible next step would be.