About Us
At Silver Sparrow, we are driven by a sincere passion: delivering the most effective financial solutions tailored to your unique needs. We believe finance is more than numbers—it’s about understanding your ambitions, supporting your growth journey, and helping you build a legacy that endures.
We take the time to understand what matters most to you. Whether you're expanding your business, navigating complex financial structures, or planning for future generations, our solutions are designed to align with your goals and unlock long-term value.
Our forward-thinking approach ensures that every strategy we implement is not only effective today but also resilient and adaptable for tomorrow. We combine deep industry expertise with a commitment to innovation, helping you stay ahead in an ever-evolving financial landscape.
At Silver Sparrow, we don’t just have clients—we build lifelong partnerships. Our success is measured by yours, and we stand beside you every step of the way.
Expertise
With over 30 years of experience in the investment banking and commercial banking in Asia and Australia, we bring a deep understanding of global markets. We acknowledge the distinct advantages and complexities inherent in securing funding for business expansion across a diverse array of specialised industries.
Networks
With accreditation from over 25 banks and financial institutions, we cultivate strong professional relationships with senior executives across Australian banks and alternative finance providers. We facilitate direct engagement with the appropriate decision-makers and provide steadfast support throughout the funding process to ensure the optimal financial solution is implemented.
Chris Kowik
Founder and Director
0435 536 276
Chris Kowik, Founder and Director of Silver Sparrow, brings nearly four decades of experience in the finance industry. His career spans in Investment Banking and Commercial Banking across Asia and Australia, equipping him with a distinctive blend of expertise and insight into regional markets.
Having held roles at institutions such as Morgan Grenfell, UBS, HSBC, and Commonwealth Bank, Chris has developed deep proficiency in cash flow lending, trade finance, and property finance. He works with a broad spectrum of clients—including private companies, trusts, and publicly listed entities—across industries such as pharmaceuticals, healthcare, manufacturing, trading, and property investment and development.
A notable achievement in Chris’s career was leading a multi-million dollar cross-border financing deal that enabled a major Australian manufacturer to expand operations into Southeast Asia—demonstrating his ability to navigate complex financial landscapes and deliver strategic outcomes.
Chris’s client-centric philosophy ensures that every financial strategy is tailored to support the achievement of individual business goals. In a complex and competitive financial landscape, his depth of knowledge and commitment to excellence distinguish him as a trusted advisor.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help for your business, refinance or purchase commercial property, just contact us today.
FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need to finance your first property? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
STANDARD VARIABLE & FIXED RATE LOANS
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
PRIVATE LENDING
Private lending involves loans from individuals or private organizations, offering flexible terms and quicker approval than traditional banks. While interest rates and repayments may be more adaptable, they can also be higher due to increased risk. Borrowers should carefully review the terms, including any fees or penalties for early repayment or switching loans.
ASSET FINANCE
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Services
We look forward to helping you with your finance needs. We can help your company’s financial needs as well as your personal needs. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your requirements.
We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:
Calculators
Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Silver Sparrow Advisory before placing your deposit or purchasing any property.
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Contact Us
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best solution for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
CONTACT INFORMATION
Phone: 0435 536 276
Email: chris@silversparrow.com.au
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