Why choose a hfinance Sydney mortgage broker?

Sydney offers so much, for so many including families, young couples, first home buyers, expatriates, and retirees. Largely due to its culture, arts, food, natural attractions, and world-class beaches.

Add in the Sydney Opera House, Sydney Harbour Bridge, state of the art sporting facilities, and shopping centers – there is something for everyone in Sydney.

yourself with a local professional mortgage broker will help achieve your lifestyle dreams. Whether you are moving to Sydney for the first time, upgrading, downsizing, or financing your next investment purchase.

hfinance Sydney Broker Services

Sydney mortgage broker assisting first home buyers

You may be a first home buyer looking to find and secure your first property. It can be a little daunting with all the financial jargon and not sure of the steps involved in applying for your first loan.

You can download our free step by step guide for first home buyers here. When you are ready for a chat, you can contact us to arrange an appointment.

Perhaps you have been searching for that perfect first home for some time, or just started the process. We take the time to sit down with a first home buyer, to ensure they understand the process.

Working out your borrowing capacity and an applicable plan to secure your first home. Additionally, we will discuss the different loan features and how they will benefit your specific property ownership goals.

Understanding the Sydney property market

Sydney is an international real estate market. It attracts the interest of local residents, investors, and international investors.

You could be a young family seeking to tap into some of your equity to renovate your home, purchase a bigger family car, or take the kids on an unbelievable holiday.

Perhaps you have made the decision to relocate to Sydney, and your financial history is a little complicated. You started a new job or a new role in Sydney, we can assist in ensuring you have access to the right mortgage products from our over 30 Australian lenders.

Whatever your financial situation looks like, hfinance will ensure a smooth process from initial consultation all the way to settlement of your loan.

This includes liaising with your real estate agent, solicitor, accountant, or financial planner. We also have a trusted network of professionals that we can make introductions with to assist with the purchasing journey.

Returning to Sydney as an Australian expat

Migrated to Sydney with a visa

Welcome home. As Australian living abroad, this can impact how you can obtain finance in Australia. Will lenders accept your overseas employment history or the foreign currency you were paid in?

Luckily, we are experts in dealing with Australian expat mortgages. We take the time to understand your situation and tailor credit advice that is suitable for your goals. It could be a new job or you could be continuing to be paid foreign income whilst living in Australia.

With our panel of lenders, we will find a suitable credit solution for your Australian expat needs.

Perhaps you are a new arrival to Australia and you are seeking to purchase your first property.

Depending on your residency status, financing solutions are available. If your passport is stamped as a Permanent Resident or a Temporary Resident – for example, some of the following visas are accepted for Temporary Residents. 188 , 457 and TSS 482 (medium-term stream only)

You may also be looking to purchase a property with a co-borrower who is an Australian Citizen and a Spouse/Defacto or Australian Permanent Resident Spouse/Defacto.

Speak with your Sydney mortgage broker to discuss your options.

Let hfinance help you

Understanding your goals and objectives

Accredited mortgage brokers and panel of lenders

At hfinance, we will take the time to meet with you to understand your goals and objectives. This can be over a cup of coffee, after hour meeting, via video teleconference, or simply over email.

We work in a way that is best suited to you and available 24/7 for any urgent questions.

It is important to remember that by assessing your goals and objectives, we understand both your short and long-term personal financial goals.

From the very first coffee and chat to the completion of settlement, your goals and objectives are our number one priority. To read more about the loan application to settlement process, click here.

hfinance is FBAA (Finance Brokers Association of Australia) Accredited and hfinance have a lending panel of over 30 lenders to choose and recommend from through our aggregator Specliast Finance Group.

From the big four lenders including NAB, ANZ, Westpac, and CBA, to smaller banks, credit unions, and boutique lenders such as 86400, ING, AMP, Bank of Sydney, Resimac, and Bank Australia.

There will be a loan product to meet your goals and objectives based on your current financial situation.

We do business the way that works for you

The banks pays the mortgage broker

Your local hfinance Sydney mortgage broker will tailor the way we do business that is suitable for your lifestyle. Our standard of service includes treating you as more than a number!

We operate on your terms. Business meetings, out of hours meetings, emails, phone calls, or video conferencing. We will conduct business in a way that works for you.

We understand that our world today is busy and complex and your local Sydney mortgage broker is here to make your life and the whole loan application process more convenient.

Please let us know how you want to do business with us.

So how do you know the broker is not favouring the lenders who pay the best commissions?

This has been a hot topic recently in the new and the majority of lenders pay a similar commission to the mortgage broker, for servicing the client and introducing the loan.

Mortgage brokers are required by law to disclose the commission received by the lender for introducing the home loan.

The details of the commissions paid are disclosed in ‘Credit Proposal’ a document required per the National Consumer Credit Protection Act (NCCP Act), so you know exactly how much is being paid.

Your local Sydney mortgage broker can also show you the commission schedule of all the lenders available. We believe in full transparency with our Sydney mortgage clients.

Rest assured you will not have to a fee out of pocket, for our services.

Poor credit

If you have a default listed on your credit report, this can give you a poor credit rating and banks will decline your mortgage application. Many lenders default to credit scoring and if your credit score is below a certain number you can be automatically declined on your mortgage.

There are lenders, however, that specialise in poor credit loans and your Sydney mortgage broker can put you in touch with these lenders, and assist you in the loan process of dealing with non-prime lenders.

Chat with a Sydney mortgage broker

Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to providing you with professional credit advice.

You may see him down at the next open for inspection or auction in the Sydney area or at local shops, do not be shy and say hello.

Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au.



    Why choose a hfinance Sydney mortgage broker?

    Sydney offers so much, for so many including families, young couples, first home buyers, expatriates, and retirees. Largely due to its culture, arts, food, natural attractions, and world-class beaches.

    Add in the Sydney Opera House, Sydney Harbour Bridge, state of the art sporting facilities, and shopping centers – there is something for everyone in Sydney.

    Teaming yourself with a local professional mortgage broker will help achieve your lifestyle dreams. Whether you are moving to Sydney for the first time, upgrading, downsizing, or financing your next investment purchase.

    hfinance Sydney Broker Services

    Sydney mortgage broker assisting first home buyers

    You may be a first home buyer looking to find and secure your first property. It can be a little daunting with all the financial jargon and not sure of the steps involved in applying for your first loan.

    You can download our free step by step guide for first home buyers here. When you are ready for a chat, you can contact us to arrange an appointment.

    Perhaps you have been searching for that perfect first home for some time, or just started the process. We take the time to sit down with a first home buyer, to ensure they understand the process.

    Working out your borrowing capacity and an applicable plan to secure your first home. Additionally, we will discuss the different loan features and how they will benefit your specific property ownership goals.

    Understanding the Sydney property market

    Sydney is an international real estate market. It attracts the interest of local residents, investors, and international investors.

    You could be a young family seeking to tap into some of your equity to renovate your home, purchase a bigger family car, or take the kids on an unbelievable holiday.

    Perhaps you have made the decision to relocate to Sydney, and your financial history is a little complicated. You started a new job or a new role in Sydney, we can assist in ensuring you have access to the right mortgage products from our over 30 Australian lenders.

    Whatever your financial situation looks like, hfinance will ensure a smooth process from initial consultation all the way to settlement of your loan. 

    This includes liaising with your real estate agent, solicitor, accountant, or financial planner. We also have a trusted network of professionals that we can make introductions with to assist with the purchasing journey.

    Returning to Sydney as an Australian expat

    Migrated to Sydney with a visa

    Welcome home. As Australian living abroad, this can impact how you can obtain finance in Australia. Will lenders accept your overseas employment history or the foreign currency you were paid in?

    Luckily, we are experts in dealing with Australian expat mortgages. We take the time to understand your situation and tailor credit advice that is suitable for your goals. It could be a new job or you could be continuing to be paid foreign income whilst living in Australia.

    With our panel of lenders, we will find a suitable credit solution for your Australian expat needs.

    Perhaps you are a new arrival to Australia and you are seeking to purchase your first property.

    Depending on your residency status, financing solutions are available. If your passport is stamped as a Permanent Resident or a Temporary Resident – for example, some of the following visas are accepted for Temporary Residents. 188 , 457 and TSS 482 (medium-term stream only)

    You may also be looking to purchase a property with a co-borrower who is an Australian Citizen and a Spouse/Defacto or Australian Permanent Resident Spouse/Defacto.

    Speak with your Sydney mortgage broker to discuss your options.

    Let hfinance help you

    Understanding your goals and objectives

    Accredited mortgage brokers and panel of lenders

    At hfinance, we will take the time to meet with you to understand your goals and objectives. This can be over a cup of coffee, after hour meeting, via video teleconference, or simply over email.

    We work in a way that is best suited to you and available 24/7 for any urgent questions.

    It is important to remember that by assessing your goals and objectives, we understand both your short and long-term personal financial goals.

    From the very first coffee and chat to the completion of settlement, your goals and objectives are our number one priority. To read more about the loan application to settlement process, click here.

    hfinance is FBAA (Finance Brokers Association of Australia) Accredited and hfinance have a lending panel of over 30 lenders to choose and recommend from through our aggregator Specliast Finance Group.

    From the big four lenders including NAB, ANZ, Westpac, and CBA, to smaller banks, credit unions, and boutique lenders such as 86400, ING, AMP, Bank of Sydney, Resimac, and Bank Australia.

    There will be a loan product to meet your goals and objectives based on your current financial situation.

    We do business the way that works for you

    The banks pays the mortgage broker

    Your local hfinance Sydney mortgage broker will tailor the way we do business that is suitable for your lifestyle. Our standard of service includes treating you as more than a number!

    We operate on your terms. Business meetings, out of hours meetings, emails, phone calls, or video conferencing. We will conduct business in a way that works for you.

    We understand that our world today is busy and complex and your local Sydney mortgage broker is here to make your life and the whole loan application process more convenient.

    Please let us know how you want to do business with us.

    So how do you know the broker is not favouring the lenders who pay the best commissions?

    This has been a hot topic recently in the new and the majority of lenders pay a similar commission to the mortgage broker, for servicing the client and introducing the loan.

    Mortgage brokers are required by law to disclose the commission received by the lender for introducing the home loan.

    The details of the commissions paid are disclosed in ‘Credit Proposal’ a document required per the National Consumer Credit Protection Act (NCCP Act), so you know exactly how much is being paid.

    Your local Sydney mortgage broker can also show you the commission schedule of all the lenders available. We believe in full transparency with our Sydney mortgage clients.

    Rest assured you will not have to a fee out of pocket, for our services.

    Poor credit

    If you have a default listed on your credit report, this can give you a poor credit rating and banks will decline your mortgage application. Many lenders default to credit scoring and if your credit score is below a certain number you can be automatically declined on your mortgage.

    There are lenders, however, that specialise in poor credit loans and your Sydney mortgage broker can put you in touch with these lenders, and assist you in the loan process of dealing with non-prime lenders.

    Chat with a Sydney mortgage broker

    Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today.
    With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to providing you with professional credit advice.

    You may see him down at the next open for inspection or auction in the Sydney area or at local shops, do not be shy and say hello.

    Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au.