HOME LOANS

Home loans can be complex. Let us make it simple.

Simplify Finance is a mortgage broker on the Northern Beaches and servicing the wider Sydney area.

What do we do?

We take the hard work out of applying for a mortgage. We work out your borrowing power, research the best home loans to suit you, and help you with the mortgage application process. Our relationships with lenders means we can manage your mortgage application from qualifying to  approval. Once you have an approved home loan, we offer support during your property purchase right through until you take possession and move in!

It’s all about simplicity! We pride ourselves on making the home loan process as easy as possible. Buying a property is time consuming and can be stressful. We aim to take the pressure off, so you can focus on buying the right home.

Why choose Simplify Finance?

We’re locals – we live and breathe the market. We know what house prices are doing. More importantly, we know home loans.

We offer choice – We have strong relationships with 30 lenders. So, we know what they’re offering and can find the right loan for you. This is important – because your individual circumstances are not the same as anyone else’s. And your home loan needs to suit the way you live your life. The right loans can also support your future financial goals.

Independent advice – We’re not tied to any particular lender, so we can offer you impartial advice. Whether you are borrowing for the first time, have unusual employment or irregular income, want to consider investing in property, or want to access the equity in your property, we can advise you on the best way to structure your finances with the right loan.

We’re your advocate. We can negotiate with the banks, and often get a better interest rate on your behalf, or help you minimise your lenders’ mortgage insurance (LMI).

We can come to you. We know you’re busy. So ask us about after-hours appointments or a home visit. We can fit in with you.

We’re good at what we do – We’ve assembled an experienced team, who are not only technically good, but passionate about customer service. We’ll help you understand all the jargon and make sure you know what your financial commitments will be. You can read what our clients say, look at our impressive lists of awards. Or try our services for yourself.

Our Home Loan Services:

First Home
Buying your first home is exciting! Are you eligible for some of the first home buyer concessions? We have all information you need to get you started and we will guide you every step of the way.

Investor Lending
Property is a great long-term investment if you choose wisely and set up the financial structure of your loan. But this is an area of lending that at the moment is undergoing some changes. Let us work with you to understand what you can borrow and the best way to go about it.

Self Employed?
Traditionally it has been difficult for some people with unusual employment or sporadic incomes to get a mortgage. But not any more. There are many lenders who offer products specifically tailored to these circumstances. Let us talk you through them.

Refinancing
Interest rates change from time to time. Are you getting the best deal?
Alternatively – when life surprises you, is refinancing your mortgage an option to access some equity? We can help you work through options.

Upgrading
Whether you are buying a bigger home or wanting to renovate/extend your current one, we can help you keep up with life’s always changing situations.

Commercial Lending
Financing a commercial property is different from getting a home loan. We can offer a range of products tailored specifically for someone looking to borrow funds for a commercial venture.

SMSF Lending
Take control of your Superannuation investments. We can help you borrow money through your self-managed superannuation fund (SMSF) to buy a residential or commercial investment property.

Specialist Lending
Alternative home loan solutions for those who don’t meet the usual lending criteria. Whether you have a bad credit history or are a non-resident, we can find a solution.