RBA
RBA Holds at 4.35%
Why the Big Four Banks No Longer Agree on What Happens Next The Reserve Bank of Australia left the cash rate unchanged at 4.35% at
Jeremy Harper
September 2, 2026
Sydney & Gold Coast Mortgage Broker
Sydney & Gold Coast Mortgage Broker
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.
SYDNEY & GOLD COAST
Local expertise across two of Australia's most desirable markets.
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.
First Home Buyers
Get into your first home sooner with lending guidance tailored to your goals.
Learn more →Buying a New Home
Find the right loan for your next home with support from enquiry to settlement.
Learn more →Investment Loans
Build your property portfolio with a lending strategy designed around your plans.
Learn more →Refinancing
Review your current loan, explore better options and improve your financial position.
Learn more →Self Employed
Flexible lending solutions for business owners, contractors and self-employed borrowers.
Learn more →Business Lending
Access finance to support business growth, equipment, cash flow and new opportunities.
Learn more →Car & Personal Loans
Competitive finance options for vehicles, major purchases and personal expenses.
Learn more →Construction Loans
Finance your new build, renovation or development from planning through to completion.
Learn more →Expat Mortgages
Helping Australians overseas finance property back home with tailored lending solutions.
Learn more →Home Equity Release
Access your home equity with no regular monthly principal or interest repayments.
Learn more →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.
Proud to be ranked among Australia’s very best in finance — recognition earned through results our clients can feel.
PLATINUM TIER
Platinum Broker
Commonwealth Bank (CBA)
’26
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
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.
CALCULATORS
Calculate with confidence.
Calculate with confidence.
Estimate your repayments in seconds. Adjust sliders to see how loan amount, rate and term shape your numbers.
Estimate your repayments in seconds. Adjust sliders to see how loan amount, rate and term shape your numbers.
$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
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.
RBA CASH RATE
▲ 0.25%
4.35%
Current cash rate following the latest Reserve Bank of Australia rate increase.
MEDIAN DWELLING · SYDNEY
▲ 2.4%
$1.28M
Approximate median dwelling value across Greater Sydney, reflecting continued market growth.
MEDIAN DWELLING · GOLD COAST
▲ 1.9%
$1.02M
Approximate median dwelling value across the Gold Coast, reflecting sustained demand and strong property market performance.
Suburbs
Mortgage Broker Varsity Lakes: Home Loans & Property Finance
Varsity Lakes is a genuinely mixed market, young professionals buying their first apartment, families upgrading into the lake precinct, and investors chasing rental demand from
Kirstie Penton
August 18, 2026
Suburbs
Mortgage Broker Enmore: Home Loans & Property Finance
Enmore is our own backyard. Our office is at Stanmore, which shares a border with Enmore, and we finance property on these streets more often
Jeremy Harper
August 17, 2026
THE PEOPLE BEHIND
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.
Managing Director
Jeremy Harper
Jeremy is the Founder and Managing Director of hfinance, bringing over 10 years of experience in mortgage broking alongside a strong background in accounting. He works with home buyers, investors, business owners and Australian expats to navigate complex lending scenarios and structure finance around their individual goals. Since establishing hfinance in 2015, Jeremy has built a client-focused approach centred on strategic advice, clear communication and tailored lending solutions.
View profile
Senior Mortgage Broker
Kirstie Penton
Kirstie is a Senior Mortgage Broker with more than 10 years of experience in the finance and lending industry. She works closely with home buyers, property investors and clients looking to refinance, helping them understand their options and navigate the lending process with confidence. With a strong focus on personalised service and practical advice, Kirstie takes the time to understand each client's circumstances and find lending solutions aligned with their property and financial goals.
View profile
Managing Director
Jeremy Harper
Jeremy is the Founder and Managing Director of hfinance, bringing over 10 years of experience in mortgage broking alongside a strong background in accounting. He works with home buyers, investors, business owners and Australian expats to navigate complex lending scenarios and structure finance around their individual goals. Since establishing hfinance in 2015, Jeremy has built a client-focused approach centred on strategic advice, clear communication and tailored lending solutions.
View profile
Senior Mortgage Broker
Kirstie Penton
Kirstie is a Senior Mortgage Broker with more than 10 years of experience in the finance and lending industry. She works closely with home buyers, property investors and clients looking to refinance, helping them understand their options and navigate the lending process with confidence. With a strong focus on personalised service and practical advice, Kirstie takes the time to understand each client's circumstances and find lending solutions aligned with their property and financial goals.
View profileCLIENT 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.
★★★★★
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.
★★★★★
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.
Let's build your
next chapter.
Book a no-obligation assessment with an award-winning broker and discover what's genuinely possible.
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