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WE MAKE FINANCING SIMPLE

WE MAKE FINANCING SIMPLE

Helping Australians Borrow
With Confidence.

Helping Australians Borrow

With Confidence.

Tailored lending strategies, award-winning brokers and access to Australia’s leading lenders, engineered to help you achieve your financial goals.

Tailored lending strategies, award-winning brokers and access to Australia’s leading lenders, engineered to help you achieve your financial goals.

HOW WE CAN HELP

HOW WE CAN HELP

Solutions for every step of your journey.

Solutions for every step of your journey.

From your first home to your next investment, we structure lending that moves you forward with confidence.

From your first home to your next investment, we structure lending that moves you forward with confidence.

View all services

View all services

AWARD WINNING EXCELLENCE

AWARD WINNING EXCELLENCE

Recognised. Respected. Recommended.

Recognised. Respected. Recommended.

Proud to be ranked among Australia’s very best in finance — recognition earned through results our clients can feel.

PLATINUM TIER

Platinum Broker

Mortgage & Finance Association of Australia (MFAA)

’24
NATIONAL RANKING

Top 50 Broker

Specialist Finance Group — Top 50

’24
CUSTOMER CHOICE

4.9★ Client Rating

200+ verified reviews across Australia

’25

OUR LENDING PARTNERS

OUR LENDING PARTNERS

Strong partnerships. Better outcomes.

Strong partnerships. Better outcomes.

Accreditation with 50+ of Australia’s leading banks and non-bank lenders means we can match you to the sharpest rate and the right structure.

Accreditation with 50+ of Australia’s leading banks and non-bank lenders means we can match you to the sharpest rate and the right structure.

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MOVE Bank
Midkey
ING
Household Capital
Commonwealth Bank
Auswide Bank
Aussie Bonds
Allianz
St George
AAA Money
Australian Military Bank
Better Mortgage Management
Firstmac
MOVE Bank
Midkey
ING
Household Capital
Commonwealth Bank
Auswide Bank
Aussie Bonds
Allianz
St George
AAA Money
Australian Military Bank
Better Mortgage Management
Firstmac

CALCULATORS

CALCULATORS

Calculate with confidence.

Calculate with confidence.

Estimate your repayments in seconds. Adjust liders to see how loan amount, rate and term shape your numbers.

Estimate your repayments in seconds. Adjust liders to see how loan amount, rate and term shape your numbers.

Explore our calculators

Explore our calculators

$820,000
6.30%
30 years

Estimated monthly repayment

$5,076

≈ $1,171 / week · over 30 years
Principal $820,000
Total interest $1,007,208
Total repaid $1,827,208
Get your real rate

BLOG

BLOG

The market, decoded for you.

The market, decoded for you.

Live market signals and expert commentary so you can make moves with clarity.

Live market signals and expert commentary so you can make moves with clarity.

All insights

All insights

RBA CASH RATE ▲ 0.25%

4.35%

Current cash rate following the latest Reserve Bank of Australia rate increase.

AVG VARIABLE RATE ▼ 0.18%

6.64%

Average owner-occupier principal & interest variable rate across Australia's major lenders.

MEDIAN DWELLING · SYD ▲ 2.4%

$1.28M

Approximate median dwelling value across Greater Sydney, reflecting continued market growth.

reserve bank of australia
RBA

Why the RBA Changed Direction

Understanding Australia’s 2026 Interest Rate Turnaround Not long ago, many Australians were expecting interest rates to keep falling. Markets were pricing in further cuts. Borrowers

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Education

Mortgage Stress Hits a 14-Year High

Understanding Australia’s Growing Repayment Pressure For many Australians, the monthly mortgage repayment has quietly become the biggest source of financial stress. It’s not because borrowers

Read More

MEET THE TEAM

MEET THE TEAM

We are hfinance.

We are hfinance.

Real people. Real expertise. Real results. Led by experienced industry professionals genuinely invested in helping Australians achieve financial success.

Real people. Real expertise. Real results. Led by experienced industry professionals genuinely invested in helping Australians achieve financial success.

Jeremy Harper

Managing Director

Jeremy Harper

Founder, Managing Director and Mortgage Broker dedicated to delivering strategic lending solutions and exceptional outcomes for clients across Australia.

Managing Director Investment Lending Complex Finance
View profile →
Kirstie Penton

Senior Mortgage Broker

Kirstie Penton

Mortgage Broker with more than 10 years of industry experience, helping clients navigate the lending process with confidence through personalised advice and tailored finance solutions.

10+ Years Experience Home Loans Refinancing
View profile →

CLIENT STORIES

CLIENT STORIES

What our clients say.

What our clients say.

★★★★★

Me and my wife engaged Jeremy's services as expats living in Japan. He explained all the ins and outs of mortgage lending for expats and helped overcome every challenge along the way.

TN
Tye Nash Expat Home Loan
★★★★★

Kirstie worked some serious miracles and secured us a home loan in record time. Without her, we would not have been able to purchase a property in Australia from overseas.

KM
Kristy Morris Overseas Purchase
★★★★★

Jeremy and the team saved us more than $150,000 on our mortgage. We had a foreign income situation and multiple banks declined us until hfinance stepped in and delivered.

AP
Amanda Patel Foreign Income Lending
4.9
★★★★★ Google Reviews

Based on 200+ verified client reviews

Let's build your
next chapter.

Book a free, no-obligation assessment with an award-winning broker and discover what's genuinely possible.

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