Business Details
Trusted Mortgage Brokers in Sydney & Gold Coast
We are hfinance, a dedicated team with over 20 years of collective experience in mortgage brokering. Our mission is to help clients achieve their financial goals through personalized service and expert guidance. Specializing in expat home loans, first home buyer assistance, business lending, and investment property financing, we provide tailored solutions that simplify complex financial processes.With access to over 30 lenders, including major banks, we negotiate competitive rates and ensure seamless settlements. Our down-to-earth approach prioritizes understanding client needs, making us a trusted partner for expats, self-employed individuals, and first-time buyers navigating Australia's property market.
Services
Expat Home Loans
First Home Buyer Assistance
Business Lending
Investment Property Loans
Refinancing Services
Personal Loans
Self-Employed Loans
Car Loans
Property Portfolio Management
Mortgage Brokering
Highlights and features
- We offer 20+ years of collective mortgage brokering experience.
- We provide access to over 30 lenders, including major banks.
- Our team specializes in complex expat and first-home buyer cases.
- We deliver personalized service with a down-to-earth approach.
- We simplify financing processes for self-employed individuals and investors.
Associations and certifications
- Australian Credit Licence
What people say
Amazing service
Competitive rates
Timely approvals
Reliable team
Simplified process
Services
Expat Home Loans
We specialize in helping Australian expats purchase or refinance property from abroad. Our team navigates foreign income complexities, currency requirements, and lender policies to secure competitive rates. With expertise in international lending regulations, we simplify the process for clients living overseas, ensuring seamless transactions and personalized support throughout the loan lifecycle.
First Home Buyer Assistance
We guide first-time buyers through every step of homeownership. Our services include budgeting strategies, government grant applications, and loan structuring tailored to individual needs. We simplify complex processes like family guarantor loans and house-and-land packages, helping clients overcome common barriers to entry in Australia's property market.
Investment Property Loans
We help clients build and expand property portfolios through strategic financing solutions. Our expertise includes equity access, debt consolidation, and loan structuring for multiple properties. We provide market insights and lender negotiations to maximize investment returns while managing risk for both novice and experienced property investors.
Business Lending
We offer tailored lending solutions for small to large businesses, including cash flow management, equipment financing, and commercial loans. Our team understands the unique challenges of self-employed borrowers, providing streamlined processes and competitive rates to support business growth and operational needs.
Refinancing Services
We review existing loans to identify savings opportunities through rate negotiation, debt consolidation, or equity access. Our refinancing experts analyze fixed vs. variable rates, interest-only options, and loan features to optimize financial outcomes for homeowners and investors.
People
Kirstie
Mortgage Broker
Kirstie specializes in complex loan cases, particularly for Australian expats. With extensive experience in international lending, she helps clients navigate foreign income requirements and secure approvals where others fail.
Jeremy
Mortgage Broker
Jeremy provides end-to-end mortgage solutions for first-time buyers and expats. His client-focused approach simplifies the home buying process, particularly for those unfamiliar with Australia's property market regulations.
Questions
Does credit policy differ for Australian expat home loans?
Yes, expat loans have different requirements. We specialize in navigating foreign income verification and lender-specific policies for overseas borrowers.
What currencies are accepted for expat home loans?
We accept major currencies including USD, GBP, EUR, SGD, CAD, and others. Tier-one currencies typically allow higher borrowing capacity compared to tier-two currencies.
How can first home buyers increase borrowing capacity?
We help first-time buyers optimize their borrowing power through strategic loan structuring, family guarantor options, and leveraging government grants and concessions.
Can I refinance an existing expat home loan?
Yes, we review existing loans to identify savings opportunities through rate negotiation, debt consolidation, or equity access for expat mortgages.
What are the costs involved in expat property purchases?
Costs include stamp duty, legal fees, valuation charges, and potential currency conversion fees. We provide detailed breakdowns to help clients budget effectively.
