Not happy with your lender supporting non  - environmental  friendly investments? Want some of the profit from your lender to contribute to positive outcomes for the environment?


I have an agreement with a range of environmental groups to donate a cut of upfront and trailing commission to their cause. This means that your loan will keep contributing every year. Where there is no  agreement in place, I will donate the funds and then organise a referral agreement




I have been a mortgage broker for the past 15 years having written over $150 million in loans. I  am now in a postiion where I would like to give a little back. Working in finance doesn't always lend itself to enable ones self  to support "green" initiatives but hopefully over time my endeavours through EnviroLoans will be able to put some cash back into some organisations that will be able to make a difference.


Brokers get paid an upfront commission and a trailing commisison on the balance of the loan each month. On a loan of $500,000, the organisation would get paid around $600 of the upfront commission and then around $200 a year the first year, decreasing as the loan gets paid out.  But over the first 10 years of the loan the amount paid would be around $2600. Commissions do differ between lenders and therefore commissions would vary from loan to loan.



If you know of any other organisations that would like to also participate in this please feel free to get in touch with me on the contact details below.  If you would like to promote this to your data base to raise money then feel free to get in touch and we can discuss how this can be done.

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28 Charles Street

Karrinyup, 6018


M: 0412 624 312


KeyInvest Lending Services (KLS) is an Australia wide mortgage broking group. I (David Cosgrove) work as a credit representative (CRN 394149) under their licence (Australian Associated Advisers Pty Ltd, ACL# 392169) in WA. The agreement for payments under EnviroLoans is between myself (Cosi Trading Pty Ltd CRN 410464 )and each of the organisations. Loans can be written in any State or Territory of Australia under this agreement.  A copy of each individual Mortgage Broker privacy policy will be forwarded to you. Enviroloans.com.au and Cosi Trading Pty Ltd are both bound by the Australian Privacy Laws and any information gathered through this site will be used only for the purpose it is intended by the supplier and not given to any third party. www.Enviroloans.com.au is fully owned by Cosi Trading Pty Ltd which acts as a credit representative (CRN 410464) of Australian Associated Advisers Pty Ltd (Australian Credit License No. 392169). David Cosgrove is the sole owner of Cosi Trading Pty Ltd also acting as a credit representative (CRN. 394149) of Australian Associated Advisers Pty Ltd. Both Cosi Trading Pty Ltd and David Cosgrove hold memberships with the Mortgage and Finance Association of Australia (MFAA) and are members of COSL. A referral fee may be paid to a referring agent but any fee will be disclosed in its entirety as required by NCCP.