ABOUT US

Helping Australians make smarter lending decisions.

Helping Australians make smarter lending decisions.

hfinance is a boutique mortgage and lending advisory helping home buyers, investors and business owners secure finance with greater clarity, confidence and long-term success.

hfinance is a boutique mortgage and lending advisory helping home buyers, investors and business owners secure finance with greater clarity, confidence and long-term success.

OUR APPROACH

Advice before applications.

We focus on understanding your goals first, then matching you with lending solutions that support your long-term plans rather than simply chasing the lowest rate.

OUR ACCESS

50+ lenders. More possibilities.

With access to Australia's leading banks and specialist lenders, we can explore more options and structure finance around your unique circumstances.

OUR COMMITMENT

Support beyond settlement.

Great lending advice doesn't end once the loan settles. We continue to support clients with reviews, refinancing opportunities and future lending strategies.

PEOPLE BEHIND

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.

Meet the whole team →

Jeremy Harper

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.

Managing Director Investment Lending Complex Finance
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Kirstie Penton

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.

10+ Years Experience Home Loans Refinancing
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Jeremy Harper

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.

Managing Director Investment Lending Complex Finance
View profile
Kirstie Penton

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.

10+ Years Experience Home Loans Refinancing
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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

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