About us

A team,properly in your corner.

Approved Property Finance is a Northern Beaches broking practice built around straight talk, careful structuring and staying involved long after settlement.

James Haywood, Northern Beaches mortgage broker

Your Lead Broker

James Haywood

James has spent his career on the lending side of property, from bank credit through to broking, and has now settled more than $380 million in loans. The pattern he kept seeing was simple: good borrowers getting mediocre outcomes because nobody explained their options or fought for the exception.

Approved Property Finance exists to fix that. Every file gets the same treatment, whether it is a first home in Dee Why or a commercial purchase in Brookvale: work out the goal, match the lender policy, present the file so the assessor says yes, and stay on it to settlement.

Licensing

James Haywood is a credit representative (515616) of Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.

Approved Property Finance is a registered business name of Waves Financial Pty Ltd. Waves Financial Pty Ltd ABN 81 658 337 814 is authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.

$380M+

Settled for clients

70+

Lenders on panel

4.9/5

From 497 reviews

Annual

Free loan reviews

How we work

What you can expect.

Straight answers

If a deal does not stack up we will say so, even when that means no loan and no commission this year.

Consistent point of contact

You deal with a dedicated broker, not a call centre. The same team from the first chat to settlement and beyond.

Long game

Most of our work comes from referrals, so the relationship matters more than any single transaction.

Let's talk about your loan.

Tell us where you're at. We'll come back the same business day with the options worth considering, no obligation, no cost.

Ready to get started?

Answer a few quick questions and we'll match you with the right lender for your situation.

Book a call Or call 1300 992 837