Hfinance - Sydney Mortgage Broker

Hfinance - Sydney Mortgage Broker hfinance is a local mortgage brokering service. Based in the Inner West, Sydney.

We service local home owners and Australian expats in achieving their property & financial goals.

Here's something worth understanding before you go looking for an investment property: the rate you're offered isn't the...
08/09/2026

Here's something worth understanding before you go looking for an investment property: the rate you're offered isn't the rate your loan gets tested against.

Lenders apply a serviceability buffer, typically around 3%, on top of the actual rate when working out whether you can afford the loan. So a 6.30% rate could mean your borrowing capacity is assessed closer to 9.30%.

Knowing this upfront means fewer surprises when it comes to what you can actually borrow.

Want to know your real borrowing capacity before you start looking? Let's talk it through.

You don't have to sell your home to access what you've built up in it.Home equity release lets you tap into your propert...
07/09/2026

You don't have to sell your home to access what you've built up in it.

Home equity release lets you tap into your property's value, whether as a lump sum, an income stream, or a mix of both. Some products don't even require regular monthly principal or interest repayments, depending on how it's structured.

It's not the right fit for everyone, but for the right circumstances it can open up options you might not have considered.

Want to know what your equity position actually looks like? Let's talk it through.

Thinking about buying property back home while you're overseas? These are the three things that trip up expat buyers mos...
06/09/2026

Thinking about buying property back home while you're overseas? These are the three things that trip up expat buyers most often.

Most lenders shade your foreign income by 20 to 30% when assessing what you can borrow. Currency movement between your income and your Australian repayments can catch people off guard. And tax residency plus CGT implications are often left unplanned until settlement, when it's too late to structure around them.

If you're an Australian living overseas and thinking about property back home, let's talk through your specific situation before you get started.

Fixed, variable or split? With fixed rates now moving somewhat independently of the cash rate, this decision comes up mo...
05/09/2026

Fixed, variable or split? With fixed rates now moving somewhat independently of the cash rate, this decision comes up more than ever.

Fixed gives you certainty on repayments. Variable gives you flexibility, offset accounts, extra repayments, but exposure if rates move. Split is a way to hedge your bets across both.

There's no single right answer. It comes down to your numbers and your plans.

Want to talk through what fits your situation? We're here to help.

While the national property market eased 0.3% in July, the Gold Coast posted a small gain, its median house price now si...
04/09/2026

While the national property market eased 0.3% in July, the Gold Coast posted a small gain, its median house price now sitting at $1.182m, making it Australia's second most expensive market after Sydney.

Local agents point to chronic undersupply as the reason the Gold Coast is holding its own, decoupling from the usual capital city cycle.

If you're buying, selling or just keeping an eye on the market, our Gold Coast mortgage broker team knows this patch inside out. Reach out and let's talk about what it means for you.

Rents rose 5.9% annually, wages grew 3.3%. That gap isn't closing anytime soon, with the national vacancy rate sitting a...
03/09/2026

Rents rose 5.9% annually, wages grew 3.3%. That gap isn't closing anytime soon, with the national vacancy rate sitting at just 1.7% and gross rental yields now at their strongest since 2019.

For investors, this is worth watching closely, particularly if you're considering where and when to grow your portfolio.

Thinking about an investment property? Let's talk about what's possible.

Here's a number worth knowing: a 0.50% gap between your current rate and what's available elsewhere is usually the point...
02/09/2026

Here's a number worth knowing: a 0.50% gap between your current rate and what's available elsewhere is usually the point where refinancing starts to pay for itself.

With 18+ lenders trimming rates for new customers since May, existing borrowers who haven't reviewed their loan this year could be paying more than they need to. On a $600K loan, that can work out to around $274 a month.

Want to see where you actually stand? Try our refinancing calculator, link in the comments, and get an estimate of your potential savings in seconds.

The RBA held the cash rate at 4.35% for a second straight meeting, but the big four banks are no longer reading from the...
02/09/2026

The RBA held the cash rate at 4.35% for a second straight meeting, but the big four banks are no longer reading from the same page. NAB is now forecasting a hike as early as September. ANZ and CommBank are pointing to November. Westpac still expects a hold through the rest of 2026.

If you're weighing up your next move, whether that's locking in a rate or reviewing your current structure, now's a good time to understand your options.

Read our full breakdown on the blog, link in comments.

The RBA hands down its next rate decision tomorrow at 2:30pm AEST. The cash rate has sat at 4.35% since June, and this i...
10/08/2026

The RBA hands down its next rate decision tomorrow at 2:30pm AEST. The cash rate has sat at 4.35% since June, and this isn't a routine call, it's one of four meetings this year with a full Statement on Monetary Policy attached, bringing updated forecasts for inflation, growth and jobs. Most banks are pricing in another hold, but a fourth hike this year hasn't been ruled out. We'll break down what it means for your repayments the moment the decision lands.

The best home always seems to come up at the worst time — beforeyou’ve sold your current one. And the moment you try to ...
17/07/2026

The best home always seems to come up at the worst time — before
you’ve sold your current one. And the moment you try to hold two
properties at once, even for a few months, the bank gets nervous.

If you’re equity-rich but the servicing numbers don’t quite stack up
on paper, you’ve got more options than your bank lets on. Here’s how it
works.

The timing trap
Most upgraders hit the same wall. You’ve found the next home. You
need the deposit, stamp duty and buying costs now, but the cash
is locked up in a property you haven’t sold yet.

A traditional bridging loan can help — but it usually comes with a
clock. You’re expected to sell within a fixed window, and if the
market’s slow or your sale isn’t ready, that pressure works against you.
Sell in a hurry and you often sell for less.

There’s a calmer way to bridge the gap.

A second mortgage that
buys you time
For homeowners with strong equity, a second mortgage through a
specialist lender can release the funds you need against your existing
home — with no monthly repayments and no fixed loan term. Interest
accrues and the loan is repaid later, typically from the sale of your
old home or a refinance.

https://bit.ly/4wRWWsM

Address

Railway Avenue
Stanmore, NSW
2048

Opening Hours

Monday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 11am

Telephone

+61405118464

Website

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