Market Update
SMART FINANCING FOR BETTER FUTURE
We make financingsimple.
simple.
Tailored lending strategies, award -winning brokers and access to Australia’s leading lenders, engineered to help you achieve your financial goals.
JH
KP
+
Trusted to settle over $1.2B in lending
SYDNEY & GOLD COAST
Local expertise across two of Australia's most desirable markets.
Sydney
Residential, investment and refinancing solutions.
Gold Coast
Coastal homes, investors and interstate buyers.
HOW WE CAN HELP
Solutions for every step of your journey
From your first home to your next investment, we structure lending that moves you forward with confidence.
AWARD WINNING EXCELLENCE
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
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.
OUR LENDING PARTNERS
Calculate with confidence.
Estimate your repayments in seconds. Adjust liders 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
INSIGHTS & NEWS
The market, decoded for you.
Live marketi 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.
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.
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.
Managing Director
Jeremy Harper
Founder, Managing Director and Mortgage Broker dedicated to delivering strategic lending solutions and exceptional outcomes for clients across Australia.
View profile →
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.
View profile →CLIENT STORIES
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 free, no-obligation assessment with an award-winning broker and discover what's genuinely possible.
Book a Free Assessment →