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Advanced Credit Assessment For Property Investors Looking For More Value Creation Opportunities

Explore Loan Products and Financing Tactics for Property Development, To Accelerate Your Wealth Growth

41+

Five Star Reviews on Google

27% More
Loans Approved

Our experience in banking policies leads to a 27% higher loan approval rate, often securing better terms for you as well.

Complex
Mortgage Experts

Our priority access to senior credit managers can solve complex problems faster

Focused On
The Big Picture

Our dynamic wealth ascension model ensures long-term wealth growth and addresses your immediate challenges

Discover How to Utilize Sophisticated Property Ownership Techniques
(While Dodging Common Mistakes Many Encounter)

When it comes to managing a complex property portfolio, flipping homes, or entering property development, finding trustworthy advice can be a challenge. The path is less common, resulting in conflicting information from online sources, friends, or colleagues. If you’re looking to make the most of your advanced property journey, you may relate to this experience. You might also be…

Not Sure How Much You Can Borrow…

And seeking knowledgeable, unbiased guidance to understand interest rates, fees, and monthly payments before you begin house hunting

Feeling Anxious About Interest Rates and Economic Conditions?

And want a truthful, expert evaluation of the current situation and advice on how to best position yourself for the future, regardless of how things unfold?

Uncertain About Which Area Is the Most Advantageous to Invest in?

(or unsure about the ideal property type for your needs)… and seeking current information and guidance on pinpointing the most suitable location to begin your property investment journey?

Worried About Making Mistakes…

And hoping for a seasoned loan manager to guide you through every step, without costing you a cent?

Many people getting started in advanced property ownership strategies have similar concerns and questions. That’s why we’ve developed a Free Credit Assessment to help you find, finance, and structure your first investment property and lay the foundations for an exciting, wealth-creating portfolio.

How We Help Investors
Secure A Stronger Starting Point

(And Lay The Foundations For A Wealthier Future)

At Approved Property Finance, our experts excel in securing finance approvals for first-time buyers, ensuring you receive more funds at superior rates. This enables you to own your home sooner while saving significantly on interest and fees.

 Unlike typical brokers who might secure a loan, our comprehensive approach and ongoing guidance aim to maximize your grant eligibility and optimize your financial setup for the best possible results, including:

Unlike other banks and brokers tied to recommending loans approved by their company, we stand apart as fully independent. We have connections with senior assessors across over 50 lenders, ensuring you receive:

People Are Talking About Approved Property Finance

Dozens of clients(so far) have graciously given us 5-star reviews. Below are some of their thoughts on how we’ve been able to help:

"A solid 5-star experience"

“Working with James and Mel was a gamechanger. The thought of navigating the home loan process as a sole trader was daunting at first, but their expertise and guidance made everything incredibly smooth. I’m immensely grateful to Approved for their patience and dedication. A solid 5 star experience and I highly recommend them!”

Alex Hartley

"Much faster than we anticipated"

“James impressed us with his professionalism, attention to detail and depth of knowledge during our entire lending journey. His quick and careful approach led to a timely approval of our loan, much faster than we anticipated. The technology he employs and his updates made the whole process feel easy. I fully endorse his services to anyone in need of a GREAT mortgage broker.”

Emily Stark

"Make the smart choice and choose James and his team"

“Make the smart choice and choose James and his team for your financing! As a first homebuyer with no clue about the process, he made everything fall into place. He’s truly excellent at what he does, and I will be referring my friends to him.”

Ethan Bradshaw

"Exceeded our expectations"

James exceeded our expectations by securing the best possible deal with the banks for us, while also making sure our finance was approved quickly. We strongly recommend Approved Property Finance and look forward to working together in the future.

Eli & Sophie Moreno

"It was a truly great working with the team."

“I strongly recommend Mel from Approved Property Finance. She really showed dedication and a great work ethic, sharing her expertise and guidance when I was buying my property recently. Great effort!”

Katherine Scott

"Amazing throughout our whole buying process!"

“James was amazing throughout our whole buying process! It took longer than we thought and had some tough moments, but James never gave up. He made sure we finally got our place. We’re really happy with our purchase and can’t thank James enough for always keeping us in the loop and his great positive attitude.”

Madison Flint

What Our Clients Say

Excellent5.0★★★★★ Based on 59 reviews from review us onJeremy NigroJeremy Nigro ★★★★★ Thank god we didn't go to a bank! James made the whole process so much easier, always friendly and available and very professional and knowledgeable. We had some tricky stuff come up but James was there and helped us secure our first property with the mortgage that was best for us! Could not recommend James more, going with a broker is the easiest decision you can make!kerry tannerkerry tanner ★★★★★ James at Approved Property Finance made our home-buying process a breeze. He was super helpful, always available, and got us a fantastic deal. Highly recommend him if you want someone who truly cares and knows their stuff!Jacqueline MoniqueJacqueline Monique ★★★★★ James came in like a much needed burst of sunshine for me as I sifted through the multitude of lenders and market loan options back when I was after my first investment property. He never made me feel like my questions or concerns were invalid. He made me feel so at ease with the whole lending process. He's straightforward and his expertise within the world of lending and, the sheer vast amount of market knowledge he has is what really set my mind to ease ( and, more than once might I add!), and I will no doubt continue to call James for several of the properties I have since looked into in the immediate area. If you are looking for a clear, reliable, and trustworthy lender, your search stops here. Give James a call; seriously, call this man and ask your questions! If knowing really is half the battle, then in the lenders market, James is GI Joe.JaDarius WalkerJaDarius Walker ★★★★★ Approved Property Finance helped me consolidate my debts through a mortgage refinance. They explained the benefits and found a lender with favorable terms. The process was smooth, and my monthly payments are now much more manageable. Excellent service for debt consolidation.Tia AmmounTia Ammoun ★★★★★ Approved Property Care Pty Ltd provided exceptional roofing service in Sydney. Their team was professional, reliable, and skilled. The work was completed efficiently and with great attention to detail. I'm very satisfied with the results and highly recommend their services!Julie HatcherJulie Hatcher ★★★★★ Approved Property Finance helped me secure a loan for my investment property, and I couldn't be happier with the service. They found a great deal and made the entire process straightforward. Their knowledge of the market and loan options was impressive. Excellent service for investment property loans!Karial PerkinsKarial Perkins ★★★★★ Choosing James from Approved Property Finance was one of the best decisions we made during our home-buying process. His thorough understanding of the mortgage landscape in the Northern Beaches, especially around Brookvale, was a huge advantage for us.James was incredibly responsive and attentive, always ensuring we felt supported and informed. His ability to break down complex financial concepts into simple, understandable terms made us feel confident and at ease. He was not just a mortgage broker but a trusted advisor who had our best interests at heart.One thing that really impressed us was James's dedication to finding the best mortgage deal. He worked tirelessly to secure favorable terms and rates, tailoring his approach to our unique financial situation. This personalized service set him apart from others we’ve worked with in the past.For anyone in Brookvale or nearby looking for a ‘mortgage broker near me’, I can’t recommend James at Approved Property Finance enough. His expertise, professionalism, and genuine care for his clients make him an exceptional choice. Thanks to James, we’re now settled in our dream home, and we couldn’t be happier with the outcome.Michael DeaneMichael Deane ★★★★★ James is an absolute legend. He helped me and my wife get our first home and got us a great deal. More importantly he was professional gave us all the right information and always kept us in the loop. We never once felt like we had to chase him up and every time we called he’d be ready to chat and answer the questions we had. Hard to find people these days who are genuine and honest in all they do so will definitely be hitting James up again when we are ready for the second property… 🤞🏻thanks again mateLuis VazquezLuis Vazquez ★★★★★ Amazing people work here and i will forever owe your team a debt of gratitude!Robert McfarlaneRobert Mcfarlane ★★★★★ People, if you're looking for someone who will go above and beyond to help you get a loan, James is your guy.He was so supportive through my whole loan process that I literally couldn't have done it without him. Extremely knowledgeable and helpful at every stage.Matthew StevensonMatthew Stevenson ★★★★★ Myself and my partner truly had an amazing experience with James leading the way with our first home purchase. He was professional and courteous the whole way through the application. He was very responsive and had the knowledge and contacts to ensure we had a quick and seamless process when buying our first home, which was quite daunting until we meet James. I would recommend James to my closest friends and family!wait lucywait lucy ★★★★★ James helped us to purchase our first property, i cant thank him more for that. He has been honest, understanding and available and made us feel confident through the whole process.Saeed ShahabSaeed Shahab ★★★★★ James was absolutely a bliss to work with to secure loan for our first home. James worked tirelessly and kept us updated throughout the process. He contacted all the top banks and gave us a comparison of the offers. He navigated us, gave insights on the properties and suburbs we were interested in, and helped us get places in almost all the government schemes we were eligible for, while getting us the best interest rate possible for the loan. Furthermore, he took time out of a personal commitment to connect with us to progress our loan application - what a generous and dedicated person! I highly recommend his expertise for all finance needs!Matt TondlMatt Tondl ★★★★★ James was excellent at securing our loan. Thanks for all your hard work and working out the best rate for us.Much appreciated, thanks againDan NDan N ★★★★★ When looking to get our home loan, James was a huge help to us.He was easily contactable, flexible in tailoring the loan to our needs and able to answer any questions we had.Would highly recommend.Joel SawyerJoel Sawyer ★★★★★ A huge shout out and thank you to James who helped us get over the line for a house we purchased. James was so helpful in explaining the process, finding the right bank and getting a great interest rate. Would definitely go through James again for any future properties or refinancingjason edwardsjason edwards ★★★★★ Thank you James for all your help and hard work with our mortgage. Your service has been outstanding and I am thankful for your continued help allow the way. You have made the whole process easy and I would 100% recommend your services. Thank youLouise EdwardsLouise Edwards ★★★★★ James is amazing!! He helped us secure our homeloan a few years back and continues to be a wealth of knowledge over the years. He provides us with up to date information and helps us make informed decisions. He makes himself available at all times and is ready to answer all our questions. I would 100% recommend James and trust that you will receive outstanding service.Jake AbelaJake Abela ★★★★★ I would highly recommend James , not only is he professional and helpful , his knowledge in his Fidel is second to none. He is very well spoken and makes the loan process easy and seamless. If you are in the market and are after some one to guide you through the process and keep you constantly updated I would highly recommend James.Gabriella SandersonGabriella Sanderson ★★★★★ James is a dedicated and caring individual who went above and beyond to organise our loan. He is incredibly knowledgable with a high attention to detail, he is also a fantastic communicator who constantly checked in with us on the journey. If i could give him 10 out of 5 stars I would!Michael SMichael S ★★★★★ I worked with James to get my loan sorted. One thing I loved about his service was I never had to ask him for an update. He kept me informed every step of the way. We had some hurdles to get over because of my difficult situation but he was professional, found the right option and got my loan approved really easily. I'd definitely use James again. Very impressed! Thanks again.shannon galeashannon galea ★★★★★ James was extremely helpful in helping me purchase my first home. He was knowledgeable, approachable and provided me with data on different properties and suburbs! I highly recommend James to anyone looking for a loan!Claire McgiffenClaire Mcgiffen ★★★★★ James was super helpful in very easy to deal with to help secure my home loan. James explained the process and kept me up to speed with the market and guided me every step of the way. Highly recommendCassie SawyerCassie Sawyer ★★★★★ James is a legend and was so helpful in getting us our first home loan. He answered all of our questions and really found the best option for us. Would absolutely recommend!Jack GoodJack Good ★★★★★ James went above and beyond to help secure my first home loan. He made the process so easy! I couldn't be happier!ella breitfussella breitfuss ★★★★★ James has been a fantastic help with organising our home loan. He has incredible attention to detail and communication skills. We couldn’t recommend James highly enough!Matthew TeuschelMatthew Teuschel ★★★★★ James was very professional and knowledgeable. He was focused on finding out exactly what I was looking for for my specific business and the best way to get there. Would highly recommend.Drain AddictDrain Addict ★★★★★ James and his team are fantastic! A real pleasure dealing with a polite, courteous and professional person such as yourself James! A big thank you from all the tribe 👍Lisa SpearLisa Spear ★★★★★ Working with James on the entire process of arranging a loan, advice on house hunting and assisting me with guidance and advice was so welcomed and appreciated. A process that I believe is meant to be very stressful was in fact, enjoyable and no stress at all. Thank you.Grant SpearGrant Spear ★★★★★ James has assisted me with 3 home loans to date, and I'm sure there will be more in the future.Professional, competent, and easy-going.Give him a call!Margaret JohnsMargaret Johns ★★★★★ James is the best. Plain & simple.Adrian LeviAdrian Levi ★★★★★ Waves Financial set me up for an investment property. They were very professional right throughout the whole process. I can not recommend them enough.Lenora EstesLenora Estes ★★★★★ "Gave me a plan and within 1 week had it all sorted!!!Will use again. Thanks"Shawn MoreiraShawn Moreira ★★★★★ Could not ask for a better service, so friendly and made everything so easy. Highly recommend.Mansour SoltaniMansour Soltani ★★★★★ Great broker, very knowledgable - would highly recommendGilbert MpasiGilbert Mpasi ★★★★★ Kathleen BartlettKathleen Bartlett ★★★★★ Big Shout to James (again), what a great service, great input on the property, from appraisals to rental potential and detail on the historical suburb growth (within minutes of telling him the new address).Not only did he turn around the loan approval quickly for us he also offered great input for the decision to purchase.thanks again.Joao PintoJoao Pinto ★★★★★ James was great from day one. Aways available and ready to clarify any questions.Highly recommend Waves financial.Mitchell BrysonMitchell Bryson ★★★★★ James helped mutual clients understand the finance environment and achieve their lending goals. Thank you James.Nadine MorrisNadine Morris ★★★★★ As a buyers agent I have dealt with lots of mortgage brokers. James is someone I deal with regularly and it’s always a pleasurable and professional experience. His communication is regular and thorough which plays a big part in making the property buying journey smooth and successful. And he is always available for any questions that may arise. I never hesitate to recommend him to my clients.Corey CooperCorey Cooper ★★★★★ James was extremely helpful and professional.He found our first home and in the perfect location, I would recommend waves financial to any one, quality service.Thanks James, kind regards the Coopers.Billie-jo FielderBillie-jo Fielder ★★★★★ James is fantastic, always goes over and beyond and has helped us with our personal/home loans and setting up as a subcontractor. We couldn't recommend Waves Financial more!Grace AndrewsGrace Andrews ★★★★★ James made us feel at ease from start to finish. We had been turned away from another broker but James was able to help us with our mortgage, we admired his communication and positivity throughout the process.shaun andrewsshaun andrews ★★★★★ James helped out extremely with a purchase that was not easy. His guidance and calm attitude really helped.Thanks mate will talk soonali handali hand ★★★★★ James went absolutely above and beyond to help me refinance my loan and get my life back on track. When I met him I was deep in debt and no one would touch my loan, I was drowning. James stepped in, worked out an action plan and made it happen. He communicated with me throughout the whole process and was able to fix a situation that no other broker was willing to touch. I cannot recommend James highly enough and am so thankful for the service he provided me.Craig VaughanCraig Vaughan ★★★★★ Great refinancing service. I will definitely be recommending you guys to my friends. Thank you!Gregor DuncanGregor Duncan ★★★★★ Good team. Proactive and constructive financing service.Anita DengAnita Deng ★★★★★ Thank you James for helping me to refinance. I finally feel like I have some breathing space again and it's a huge relief.Cherith WithingtonCherith Withington ★★★★★ James helped us through every step of the process. James worked tirelessly to help secure a place on the First Home Owners Loan Scheme. We always felt like James had the time for us and answered all our questions. As first home buyers it was amazing having James in our corner fighting for us. We are so thankful! We would highly recommend James to anyone looking for a mortgage broker.Bryan KnightBryan Knight ★★★★★ Thanks heaps for the help, made a massive difference for me and my familyDaniel MillsDaniel Mills ★★★★★ Couldn't recommend James highly enough. Thanks for your help!Andrew RefaloAndrew Refalo ★★★★★ The Smart Refinance team were great and helped me get a really good deal on my home loan!Will SwayneWill Swayne ★★★★★ James is a great guy and easy to work with. He keeps a solid eye on which banks and lenders are offering the best rates and is able to quickly advise the best course of action. If you're wondering whether or not you're on a competitive home loan deal, I recommend you give James a call.R BurridgeR Burridge ★★★★★ James was amazing big fan of his work!Alex MooneyAlex Mooney ★★★★★ James from Smart Refinance is very thorough and professional. He's been able to get us two very difficult home loans approved where others weren't able to. I recommend him highly.Jan WithingtonJan Withington ★★★★★ Thanks so much for helping my Son and daughter in law in financing their first home. You worked magic for them and they are so over the moon. We cannot thank you enough.js_loader

6 Key Reasons Investors Choose Approved Property Finance Over Other Brokers and Banks

Real estate remains the leading method for wealth accumulation in Australia. The Australian Financial Review Rich List indicates that four out of the top ten wealthiest Australians, and almost a quarter of the top 200, have built their fortunes through property.

Conversely, those lacking proper knowledge or receiving poor advice often end up with unsuitable properties, inappropriate loans, and inefficient financial structures, leading to cash flow issues, or even more severe consequences.

Below are several ways in which we differ from other banks and brokers, aimed at assisting you in expanding your property portfolio and increasing your wealth:

Client-Centric Without Apologies

Regrettably, banks often suggest their own restricted set of loans, despite better savings available elsewhere. Similarly, brokers may be swayed to endorse lenders offering marginally higher commissions. However, we stand firmly committed to recommending only the top loan options for our clients because (a) our unwavering dedication is solely to our clients’ needs, and (b) our clients appreciate our skilled and sincere service so much that they typically refer two additional clients to us.

Sophisticated Loan Experts (Handling Complex Cases)

While many banks and brokers opt for straightforward loan cases for quick transactions, our approach is client-centric, not product-focused. This dedication allows us to secure larger loans, superior terms, and lower interest rates for you, even in unique or challenging financial situations or if you’ve faced rejections elsewhere.

Privileged Connections with Top-Level Lenders

Unlike typical brokers who have a standard array of lenders, our unique relationships with over 50 lenders grant us direct access to senior loan assessors. This results in expedited approvals, bespoke evaluations beyond automated processing, opportunities for larger loans at more competitive rates, and special handling of complex and unconventional loan applications.

Ongoing Lifetime Assistance

While other banks and brokers treat you like a number as soon as you sign the dotted line, we continue to support you with six monthly re-prices to ensure you always have the best loan, 12 monthly reviews to optimise your progress towards your financial goals.

 

Strategic Guidance for Enhanced Results

“Approved outdid themselves by expertly securing the best possible deal with the banks for us, and also ensured that our property finance approval moved ahead quickly. We are looking forward to building our portfolio more and a long term relationship with them.”

Free Professional Guidance and Active Assistance

That’s right – you don’t pay us anything (the banks give us a modest, transparent commission). Whether you’re starting or growing your property portfolio, or just want to check if your current property has the best loan and financial setup, contact us for a no cost, no-obligation Credit Assessment.

Would it be too much to ask for a 15-minute phone call?

To Gain a Significant Advantage in Your Journey Towards Owning a Home?
The fastest and simplest method to obtain detailed information and tailored advice for your circumstances is through a complimentary Credit Assessment, during which:
At Approved Property Finance, your Free Credit Assessment isn’t with a junior employee like at banks. Instead, you’ll meet with a lending expert who provides professional, unbiased advice tailored to your unique situation. Of course, we’re hopeful that you’ll choose our services to assist in finding, financing, and expanding your property portfolio when you’re ready. Until then, we’re happy to provide our support in this manner.

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