- CLIENTS@CPLTCOMPASSCAPITAL.COM.AU
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- LISA: 0402 214 233
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- CARMEN: 0400 228 546
Finance Advisory · Western Australia
We combine strategic insight with deep lending expertise to deliver complete financial solutions tailored to your goals. Whether you’re growing a business or securing the right home loan, we guide you through every step with clarity, confidence and a commitment to strong long‑term outcomes.
At CPLT Compass Capital, we make commercial and residential finance feel clear, structured and genuinely supportive. Backed by decades of senior banking experience, we combine strategic insight with deep lending expertise to deliver complete financial solutions tailored to your goals. With CPLT, you gain trusted partners who put your goals at the centre of every decision.
For Business Owners & Developers
Business loans and working capital, property and development finance, asset and equipment finance, invoice finance, SMSF loans, and lending reviews.
For Individuals & Families
Home loans for first-time buyers, upgraders and investors, refinancing, self-employed and complex-income lending, and investment lending strategies.
Our Brand Story
CPLT Compass Capital was founded on a simple belief: people and businesses make better decisions when they have clarity, confidence and a trusted partner by their side. After decades in senior roles across Australia’s leading Corporate, Institutional and Commercial banks, Carmen Penery and Lisa Todhunter saw firsthand how complex, fragmented and overwhelming the lending landscape had become for clients. Clients were overwhelmed. Advice was inconsistent. And genuine partnership was rare.
They knew there was a better way — one grounded in transparency, expertise and genuine partnership.
CPLT Compass Capital was created to bring that better way to life: a place where clients feel informed, supported and guided through every financial decision with structure, insight and unwavering care.
Our Accreditations
What We Stand For
We explain the path, the options, and the reasoning behind every recommendation.
We build relationships that last well beyond settlement.
We help clients navigate complexity with confidence and a clear path forward.
We structure lending solutions with care, foresight, and institutional-grade analysis.
We understand WA’s market, its people, and the opportunities it holds.
Our Process
We take time to understand your needs and financial position – your plans, your pressures, and your long- term vision.
We analyse your options and structure the right solution, applying deep lending expertise to genuinely fit your goals.
We negotiate on your behalf for the best outcomes, communicating proactively so you always know what’s happening.
We stay with you through every step – from application through to settlement and well beyond, for the long term.
