About Us
About Us


PCS Finance is a leading Australian finance specialist in Management Rights, with combined experience of over 30 years. Additionally PCS Finance offers specialist skills to manage residential and business lending and financial needs.

PCS Finance is a unique one-stop-service offering a range of bank and non-bank specific products. Our personal service means we take an interest in ensuring you have the most competitive lending rate and flexibility available.


  • Commissioner for Declarations
  • Australian Financial Complaints Authority (AFCA)
  • Australian Financial Complaints (AFCA) Process and Information - https://www.afca.org.au/
  • Mortgage & Finance Association of Australia (MFAA) 
  • Financial Services Institute of Australasia (FINSIA)
  • Queensland Resident Accommodation Managers Association (ARAMA)

Why Is PCS Finance The Market Leader

  • Management Rights Finance specialists
  • Partnership Structures
  • Multiple office locations for your convenience
  • Directors own management rights themselves
  • Excellent relationships with management and letting rights lenders
  • Corporate strategies for MLR operators
  • Consistent high rate of finance approvals

Why PCS Finance



When you use PCS Finance, you are sitting in front of 10+ banks and 50+ banking products versus visiting a banker who has access to one bank's products. This 'choice' improves your chance of getting a 'yes', when the banks are saying 'no' more often.



Ask your bank how long they’ve been helping clients with Management Rights lending. PCS Finance are committed to their clients in the long term. Banks are big organisations and their service is compromised by constant restructures.



It pays to talk to a specialised broker like PCS Finance. For example, with management rights being such a niche industry, it is not widely understood by all banks. Bank staff provide a more general service.



Following up on the progress of your loan application is both time consuming and frustrating. PCS Finance has a system for chasing you up, as well as the bank, saving you the hassle.



PCS Finance is like the perfect personal banker. They deal with the bank on your behalf regarding your requirements, negotiating and following up your application to settlement; and because it’s their own business, they’re in it for the long haul.

Our Team

Steve Burton
(Founder / Principal)

SA Fin, AIMM, C, Dec

PCS Finance was founded by Steve Burton in August 1995 after fourteen years of experience with the National Australia Bank (NAB) specialising in management rights. This makes Steve the longest serving financier in the industry having notched up a total of 35 years in the industry. Over this time, he has been involved in the development of specific MLR lending structures that have since been incorporated into the products offered by the major banks.

He ignited competition amongst the banks for MLR lending which resulted in lower interest rates as well as increased levels of funding available to the client. More importantly, Steve is personally financially invested in Management Rights, which further highlights his invaluable insight into the intricacies of the industry and depth of experience. His personable approach means his advice is highly sought after by his clients when setting up a successful MLR business.

Damien Windle (Partner)

Damien Windle set up the PCS Finance, Brisbane office in 2004 after 15 years of working with the big banks, the last three of these with the Bank of Queensland specialising in management rights. Damien’s focus on the growing Brisbane market has enabled him to provide specialist local knowledge to his MLR clients.

With over 25 years of working in the finance sector, Damien has an indepth knowledge of somewhat complex banking processes.  This helps him to understand and meet the needs of his clients with the right banking product. Through his own personal investments in the management rights industry, he is able to share this experience and help clients understand the specialised industry.  This helps manage risk and provides an optimal borrowing result for the clients business.



Find Out How We Can Help
Speak to a specialist about how we can help build your business.