Business Details
Your Trusted Mortgage Broker in St Leonards
Simplify Finance is a leading Australian mortgage brokerage specialising in tailored lending solutions for first home buyers and property investors. With over 15 years of combined industry experience, our team of accredited professionals leverages a network of 50+ lenders and 300+ loan products to deliver customised financial strategies. We guide clients through every stage of the home loan journey, from initial strategy sessions and pre-approval to settlement and beyond, with a focus on financial freedom and long-term portfolio growth.Our services include first home loans, investment property financing, self-employed loan solutions, and refinancing options, all provided without ongoing fees. Backed by awards including National Broker of the Year 2023, we combine digital innovation with independent advice to simplify complex mortgage processes across Australia.
Services
First Home Loan
Investment Loan
Self-Employed Loan
Refinancing Loan
Commercial Properties
Asset Finance
SMSF Lending
Specialist Lending
Australian Expat Home Loans
Wealth Club
Highlights and features
- We offer 15+ years of mortgage industry expertise
- Our team holds advanced financial qualifications including Master of Applied Finance
- We provide independent advice with access to 50+ lenders
- Australia-wide service with local market knowledge
- Award-winning customer support (National Broker of the Year 2023)
Services
First Home Loan
Specialised mortgage solutions for first-time buyers navigating the property market. Our brokers simplify loan applications through 50+ lender partnerships while maintaining competitive rates. With tailored guidance from qualified finance professionals, we help clients understand eligibility criteria, deposit requirements, and government incentives while ensuring transparent communication throughout the approval process.
Investment Loan
Strategic financing for property investors seeking portfolio growth through rental income and capital appreciation. Our specialists maximise borrowing power using equity release strategies while explaining tax benefits like negative gearing. We provide market insights on optimal investment structures and help clients navigate higher interest rate environments with risk mitigation strategies for long-term wealth creation.
Self-Employed Loan
Customised lending solutions for sole traders and business owners facing unique verification challenges. Our brokers access specialist lenders offering low-doc options while maintaining competitive terms. We guide clients through income verification requirements, help prepare business financials, and explain alternative documentation pathways to secure home loans despite non-traditional income structures.
Wealth Club
Advanced property investment program using three-phase wealth creation strategy. Our specialists guide clients through acquisition, consolidation, and enjoyment stages while explaining debt restructuring techniques. We provide budgeting frameworks, leverage strategies, and trust structure recommendations to build multi-property portfolios with optimised borrowing power and tax-efficient configurations.
Refinancing Loan
Comprehensive loan optimisation service for homeowners seeking better terms or additional features. Our brokers analyse existing mortgages, compare 50+ lender options, and explain potential savings from lower rates or equity access. We guide clients through break-even calculations, help assess exit penalties, and facilitate seamless transitions to improved loan products with enhanced features like offset accounts.
People
Fabio de Castro
Director
Master of Applied Finance with 15+ years mortgage broking experience. Specialises in complex property portfolios and first-home buyer strategies. Holds dual diplomas in financial planning and mortgage broking management.
Mark Gallo
Business Development Manager
Bachelor of Arts graduate with mortgage broking diploma. Focuses on client relationship management and lender network expansion. Brings 10+ years industry experience to support diverse client needs.
James Cerolini
Asset Finance Director
Specialises in business equipment financing solutions. Combines mortgage expertise with commercial lending knowledge to deliver integrated financial strategies for property investors and business owners.
Kylie Searle
General Manager
Oversees daily operations and client service standards. With extensive mortgage industry experience, ensures efficient loan processing and maintains quality control across all client interactions.
Michael Perry
Asset Finance Specialist
Provides expert guidance on business equipment financing solutions. Works closely with property investors to structure commercial loans that complement residential portfolios and support business growth.
Questions
What services does Simplify Finance offer?
We provide first home loans, investment property financing, self-employed loan solutions, refinancing options, and commercial property loans through our network of 50+ lenders.
How are mortgage brokers paid?
Brokers receive lender commissions with full transparency. We disclose all fees upfront in our credit proposal documents before loan application.
Do you charge ongoing fees?
No ongoing fees apply for our mortgage broking services. Our compensation comes from lender commissions.
Can you help with government grants?
Yes, we guide clients through eligibility requirements for first home buyer grants and stamp duty concessions across Australian states.
How much can I borrow?
Borrowing capacity depends on income, credit history, and debt levels. Use our online calculator or consult specialists for detailed assessments.
What areas do you service?
We operate Australia-wide with local market knowledge in NSW, supporting clients in major cities and regional areas.
