George Haddad
Founder & CEO
George came up through sales, operations and institutional banking — the part of the industry that judges a deal on covenant strength and what happens if things go wrong, rather than on the rate in the ad.
About us
A small firm,
by design.
An Australian finance firm covering five kinds of lending and debt advice — kept small so you always deal with someone senior.
What you can expect
Three things
we hold to.
We start with you
Before anyone talks about lenders, we work out what your position can comfortably carry.
You'll see every number
Rates, fees and the total cost of what you're signing, in writing, while you can still change your mind.
We plan for the bad year
Anything that only works while everything goes right isn't a plan. We'd rather find that out now.
Why we exist
Why we do it
this way.
Most people walk into a lending conversation and get shown a product. We'd rather understand your position first and work outwards from there — it's a slower start and a much better finish.
That habit comes from institutional banking, where deals are judged on whether they survive a bad year rather than a good one. We apply the same test whether you're buying your first home or funding a staged development.
Who we work with
Five kinds
of client.
Different situations, the same approach: understand the position first, then structure around it.
- Home buyers and refinancers Buying a first home, moving, or checking whether the loan you have still suits you. Residential lending
- Property investors From a first investment property to a portfolio, structured so each purchase doesn't block the next. Residential lending
- Business owners Premises, equipment, vehicles and working capital, assessed on how the business actually trades. Business finance
- Developers Site, construction and residual stock funding, planned together around the feasibility. Development finance
- People under debt pressure High-interest debt, buy now pay later or tax owed to the ATO, laid out honestly with the options costed. Debt advice
Where we operate
Wherever
the deal is.
Our office is in Hawthorn, Melbourne. The work is national: much of it is in Sydney and Brisbane, with clients in Melbourne, Perth and Canberra too.
Valuers, councils and lenders' postcode policies differ from city to city, so each submission is written for its own market. We meet over video wherever you are, or in person by appointment.
The founder
Who's behind
Guardian.
Guardian is led by its founder, George Haddad. When you get in touch, one of our agents looks after you.
Doing it properly
In writing,
before you sign.
How we work, how we handle your information, and what to do if something goes wrong are all set out in full.
- Credit GuideWho we are, the credit assistance we provide, and how we assess whether a loan suits you.
- Privacy PolicyWhat we collect, why, who we share it with, and how to see or correct it.
- ComplaintsHow to raise a concern, what we do with it, and where to go if you're not satisfied.
- Our processThe seven stages every file goes through, from the first conversation to after settlement.
Next step
Where are you
up to?
One conversation is usually enough to tell you whether this is worth pursuing.