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
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.
Get into your first home sooner with lending guidance tailored to your goals.
Learn more →Find the right loan for your next home with support from enquiry to settlement.
Learn more →Build your property portfolio with a lending strategy designed around your plans.
Learn more →Review your current loan, explore better options and improve your financial position.
Learn more →Flexible lending solutions for business owners, contractors and self-employed borrowers.
Learn more →Access finance to support business growth, equipment, cash flow and new opportunities.
Learn more →Competitive finance options for vehicles, major purchases and personal expenses.
Learn more →Finance your new build, renovation or development from planning through to completion.
Learn more →Helping Australians overseas finance property back home with tailored lending solutions.
Learn more →Access your home equity with no regular monthly principal or interest repayments.
Learn more →AWARD WINNING EXCELLENCE
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.
Commonwealth Bank (CBA)
Specialist Finance Group — Top 50
200+ verified reviews across Australia
OUR LENDING PARTNERS
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
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.
Estimated monthly repayment
BLOG
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.
The Reserve Bank lifted the cash rate to 4.60% on 29 September 2026, its fourth increase this year.
Sydney's median dwelling value was $1,198,596 as at 30 September 2026, down 1.4% over the month.
The Gold Coast's median house price sits around $1.35 million, though asking prices have fallen 8.6% since March as the market cools.
Every Sunday, the property headlines tell you what percentage of homes sold at auction over the weekend. By Thursday, that number has often changed. Take
The average home loan in Australia is $730,720, at an average interest rate of 6.24%. Over 30 years, that works out to repayments of about
National home values fell 1.1% in September, the sixth straight monthly fall, according to Cotality’s Home Value Index. Values are now 5.2% below the March
THE PEOPLE BEHIND
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 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.
Senior Mortgage Broker
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.
Managing Director
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.
Senior Mortgage Broker
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.
CLIENT STORIES
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.
Based on 200+ verified client reviews
Book a no-obligation assessment with an award-winning broker and discover what's genuinely possible.
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