Business Details
Award-Winning Mortgage Brokers in Sydney | AFMS Group
AFMS Group has established itself as a leading mortgage broking firm in Sydney, dedicated to simplifying property ownership and wealth-building through strategic financial solutions. Our award-winning team, led by Principal Mortgage Broker Andrew Hadjidemetri, brings decades of combined experience and a client-centric approach to every transaction. We specialise in home loans, investment financing, refinancing, and commercial lending, prioritising fast approvals and director-level strategy to secure optimal outcomes.Accredited by the Mortgage & Finance Association of Australia and licensed by ASIC, we work with 30+ lenders to deliver competitive rates while maintaining 24/7 availability and ongoing support. Our 400+ five-star Google reviews and recognition as Top 10 Brokers in Australia by Mortgage Professional Australia underscore our commitment to transparency, expertise, and long-term client partnerships.
Services
Home Loans
Investment Loans
Refinancing
Pre-approval
Commercial Loans
SMSF Loans
Loan Calculators
CoreLogic Reports
Highlights and features
- Award-winning brokers with Top 10 recognition in Australia (2025)
- Fast lender panel approvals for timely property acquisitions
- Principal-led strategic advice from industry expert Andrew Hadjidemetri
- Sydney market specialists with local knowledge of 15+ suburbs
- Extended hours: 8am-8pm weekdays and weekend appointments available
Associations and certifications
- Mortgage & Finance Association of Australia
- Australian Securities and Investment Commission
What people say
Exceptional service
Incredibly responsive
Director-level expertise
Stress-free process
Best refinancing offer
Services
Home Loans
We provide tailored home loan solutions for first-time buyers and property investors across Sydney. Our services include competitive rate comparisons, deposit strategy advice, and government grant navigation. With partnerships across 30+ lenders, we secure financing options that match individual financial circumstances and property goals while maintaining ASIC-compliant disclosure standards.
Investment Loans
Our investment loan specialists help clients build wealth through strategic property acquisitions. Services include portfolio diversification analysis, cashflow forecasting, and tax-effective structuring. We offer access to 60+ lenders with investment-specific products featuring offset accounts and flexible repayment terms, supported by ongoing market trend analysis to maximise returns.
Refinancing
We help homeowners reduce interest costs and improve loan terms through comprehensive refinancing solutions. Our process includes current loan analysis, savings projections, and rapid lender comparisons. Clients benefit from our principal-led strategy sessions and same-day rate reviews, with recent cases achieving savings of $300+ monthly for Sydney property owners.
Commercial Loans
Our commercial lending team provides working capital solutions for SMEs across New South Wales. Services include cashflow loan structuring, equipment financing, and property-secured business loans. With flexible repayment options and fast documentation processes, we help businesses access funds within 7-10 days while maintaining compliance with Australian credit licensing requirements.
Pre-approval
We offer comprehensive pre-approval services that clarify borrowing capacity and strengthen property offers. The process includes financial position analysis, documentation verification, and conditional approval issuance valid for 90 days. Our pre-approvals are accepted by 95% of Sydney real estate agents, giving clients competitive advantage in property negotiations.
People
Andrew Hadjidemetri
Principal Mortgage Broker
With over $700 million in managed loans and 15+ years' experience, Andrew leads AFMS' strategic lending approach. Recognised as a Top 10 Broker in Australia (2025), he personally oversees complex loan structures and maintains direct client relationships throughout the mortgage lifecycle.
Jordan Coelho
Senior Credit Advisor
Jordan specialises in first-home buyer schemes and government grant applications. With 8 years' experience in Sydney's property market, he provides tailored advice on deposit requirements and loan eligibility criteria for new entrants to the housing market.
Nicholas De Luca
Finance Broker
Nicholas focuses on investment loan structuring and portfolio growth strategies. His expertise in SMSF lending and cross-border financing supports clients seeking to expand their property holdings across Australia's major capital cities.
Questions
What mortgage services does Australian Financial & Mortgage Solutions offer?
We provide home loans, investment financing, refinancing, commercial loans, SMSF loans, and pre-approval services across Sydney with no consultation fees.
How does AFMS' mortgage process work?
Our six-step process includes consultation, research, tailored recommendations, application submission, loan approval, and ongoing support with annual reviews and rate checks.
Why use a mortgage broker instead of a bank?
We compare 30+ lenders to secure better rates than banks, provide expert market insights, and handle all documentation negotiations at no cost to clients.
How can I improve mortgage approval chances?
Maintain good credit history, save larger deposits, reduce existing debts, demonstrate stable income, and provide complete financial documentation for optimal assessment.
What makes AFMS different from other brokers?
We combine principal-led strategy, 24/7 availability, and long-term client partnerships with access to 60+ lenders and same-day rate comparisons for urgent cases.
Do you charge fees for mortgage services?
No fees apply for our consultation or brokerage services. We receive commercial compensation from lenders upon successful loan settlements.
