About Cumulus Capital
A finance brokerage built around clarity, structure, and long-term outcomes.
We help homeowners, property investors and business owners make better financial decisions — through considered advice, education, and responsible lending.
Why Cumulus Capital exists
Finance decisions shape businesses, households, and long-term security.
Yet too often, people are pushed toward speed or products without enough understanding of structure, trade-offs, or long-term impact.
Cumulus Capital was established to offer a different approach — one focused on clarity, education, and lending decisions that stand up over time.
How we work
Understanding before products
We focus on understanding objectives and context before considering lending options.
Structure before speed
Thoughtful loan structure matters more than short-term convenience.
Education before commitment
We believe better decisions come from understanding, not pressure.
Long-term outcomes over short-term wins
Our approach is designed to support clients over time, not just at settlement.
What we do
Cumulus Capital provides structured lending guidance across home, investment, and business finance.
Our role is to help clients understand options, trade-offs, and implications — so lending decisions align with broader goals.
Experience you can rely on
Our principal broker brings over 15 years of experience across Australia's major financial institutions including Commonwealth Bank, Westpac, Macquarie and ING — spanning mortgage strategy, credit assessment, and portfolio structuring.
This institutional background means we understand how lenders think, not just what they offer.
Our team
Will Kiln
Managing Director & Principal Finance Broker
Will has more than 15 years' experience in banking and finance, including senior roles across leading institutions such as CBA, Westpac, Macquarie and ING. At Cumulus Capital, he leads the delivery of lending advice focused on structure, education and long-term financial outcomes for clients.
Throughout his career, Will has worked across both the distribution and product sides of lending — helping build mortgage and credit products from the ground up while also managing lending portfolios. This experience gives him a deep understanding of how lenders assess risk, structure credit, and make approval decisions.
Outside of work, Will is married to his high school sweetheart, Kate, and is a proud father of three young children. When he's not helping clients navigate property finance, he enjoys football — supporting Crystal Palace from his childhood in the UK, along with Manchester City.
Bachelor of Science (Psychology)
Master of Business (Accounting & Finance)
Diploma of Finance and Mortgage Broking
Our Support Team
Supported by experienced credit analysts and operations professionals.
Credit & Structuring Support
Operations & Compliance
Accreditation and lender access
We are accredited with a broad range of Australian lenders, allowing us to remain bank-agnostic and focused on suitability rather than alignment.
Member 855923
Member 121049
Authorised Credit Representative (577081) under Australian Credit Licence 389328
Ready to get started?
Whether you're exploring options or ready to move forward, we're here to support clear and confident decision-making.
