Northern Beaches · Servicing Australia-wide
Home loans thatactually fit you.
We've helped Aussies buy, invest and refinance since 2019. That's $380 million settled, more than 70 lenders compared, and someone in your corner right through to settlement.
No cost to you. The lender pays us.
Authorised Credit Representative 515616
$380M
Loans settled
70+
Lenders
I want to
Buy a Property
First home, next home or an upgrade. We'll get you pre-approved with a clear picture of your budget, grants, LMI and loan structure, so you can buy without second-guessing it.
- First-home buyer schemes and grants
- Pre-approval before you bid
- Family guarantees when they actually help
I want to
Refinance
We compare options from 70+ lenders to find a deal that fits your goals, and manage the lender for you.
- Lower your rate or repayments
- Unlock equity for renovations
- We handle the paperwork
486+
Five-star reviews
70+
Lenders on our panel
$380M
Loans settled
2019
Year we started
Let us guide you through the process
Step 1
Understand your needs
In our first 20-minute chat, we explore your situation and what you want to achieve, so we're on the same page from day one.
Step 2
Review your options
Within a few days we send clear recommendations from our lender panel and answer your questions: no jargon, just next steps.
Step 3
Approval to settlement
We prepare your application, deal with the lender, and stay on top of the process until your loan settles.
Your Lead Broker
James Haywood
Founder of Approved Property Finance. Author of Amazon Best Seller 'The Smart Borrower's Field Manual'.
Book directly for strategy-led advice from someone who does this every day.
Testimonials
What our clients say
4.9/5 from 486 public Google reviews. These are comments from clients who bought, refinanced or invested with Approved Property Finance.
“James went above and beyond to get our finance approved with great speed and efficiency, and found the best loan structure for our purchase, even working over the weekend. We highly recommend James.”
“James worked tirelessly to get us the best deal, including late hours and weekends to clear last minute hurdles. His passion for mortgaging is self evident; a rising star in the field.”
“One quick phone call sparked a series of events which led to me obtaining a mortgage that by myself I could not get. Kudos to James and his unwavering persistence. Highly recommended.”
“James was excellent: professional, knowledgeable, and efficient. He secured us a great rate and made the mortgage process smooth and stress-free. Highly recommend.”
“I have worked with at least 10 brokers and James is definitely one of the best. Great communication and the loan went through really smoothly. Very happy.”
“James made the whole process so much easier: friendly, available, professional and knowledgeable. He helped us secure our first property with the mortgage that was best for us.”
“Approved Property Finance helped me secure a loan for my investment property. They found a great deal and made the entire process straightforward. Excellent service.”
“Forever grateful for the help and expertise James provided. He walked us through step by step, settled our nerves buying our first property, and went above and beyond with care and commitment.”
“Great service. James handled the complex loan structure with ease. I will be using this business again.”
Broker vs going direct
Why not just call your bank?
FAQ
The questions we get most
How do you get paid?
There's no cost to you on a standard home loan. The lender pays us a commission when the loan settles, and it's the same rate whichever lender you pick. We put that amount in writing before you apply.
How long does pre-approval take?
Most clients get pre-approval in 3 to 5 business days once we've got your documents. PAYG files can be quicker. Self-employed or messier situations usually take a bit longer.
Does applying affect my credit score?
A formal application leaves a credit enquiry. Before that, we look at your options without touching your credit file, so you only apply once, to a lender that's likely to say yes.
What documents do I need?
Photo ID, recent payslips (or two years of tax returns if you're self-employed), three months of bank and loan statements, and deposit details. We'll send a personalised checklist so nothing gets asked for twice.
Can you help if I've been knocked back before?
Often, yes. Lenders treat income, credit history and property types very differently. We look at what caused the decline, then only approach lenders whose policy actually fits.
Still have a question? Call 1300 992 837. No obligation.
Lender panel
We compare 70+ banks and non-banks
Here's a shortlist of the lenders we use most. The right one depends on your file, not the name on the local branch.
Plus specialist and non-bank lenders matched to your scenario.
Get started
Ready to take the next step?
Book a no-obligation chat. We'll walk through your options and what to do next, usually within 4 business hours.
Or drop into 2/658 Pittwater Road, Brookvale NSW 2100