Australian Financial & Mortgage Solutions

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Australian Financial & Mortgage Solutions Fast approvals. Clear strategy. No bank runaround.

AFMS Group is a multi-award winning Sydney mortgage broker

💰 $192M+ settled FY24/25
⭐ 470+ Five-Star Google Reviews

Helping professionals & families build wealth through smart lending.

Stop what you’re doing and call your broker today.Not next week. Not after the budget noise settles. Today.Here’s someth...
22/05/2026

Stop what you’re doing and call your broker today.

Not next week. Not after the budget noise settles. Today.

Here’s something nobody is talking about in the middle of all this budget chaos.

When a bank’s future lending pipeline shrinks, their existing clients become everything. Every loan they already hold becomes more valuable to them overnight.

Which means right now, banks are more motivated than they’ve been in years to keep you. And that motivation has a dollar value.

Your broker should be extracting it for you.

Last week I picked up the phone for three CBA clients.

Three calls. Three rate reductions.
Zero refinancing.
Zero paperwork.
Zero stress.

📉 Georgia - investment loan, 2 year mark. Down 0.22%
📉 Duncan - home loan, 12 month mark. Down 0.11%
📉 Alex - investment interest only loan, 3 year mark. Down 0.29%

Same bank. Same loans. Just a broker who knows when to ask, and how to ask.

This is what an annual review is worth in the real world.

Most people haven’t reviewed their rate since they signed their loan documents. The bank is quietly hoping that never changes.

Because every month you don’t ask is another month they keep the extra margin in their pocket.

The budget has shifted something. Banks need to protect their existing loan book more than ever right now.

That is your leverage. And the window to use it is open today.

If I haven’t called you in the last 12 months, I’ll be calling you this week.

And if you’re not my client yet, ask yourself why your current broker hasn’t called you either.

When did you last have your rate reviewed?

Drop it in the comments. I guarantee most people reading this are sitting on a rate they shouldn’t still be paying.

📅 Book your free annual review today.

This is what a smooth property journey looks like.No stress.No second guessing.No surprises.Just clear advice, constant ...
16/04/2026

This is what a smooth property journey looks like.

No stress.
No second guessing.
No surprises.

Just clear advice, constant updates, and a plan that actually works.

Dave trusted the process, and now he’s a first home owner.

That’s the difference when things are done properly from day one.

If you’re thinking about buying or refinancing, start with a conversation - it’ll save you time, money and headaches later.

📞 Book a free call to get started

One of the biggest differences we see between clients:Some buy one property…Others go on to build portfolios.It usually ...
10/04/2026

One of the biggest differences we see between clients:

Some buy one property…
Others go on to build portfolios.

It usually comes down to one thing:

Understanding how to use equity.

When your property increases in value, that growth can be leveraged to:

• Fund the next deposit
• Reduce the need to save again
• Accelerate your ability to invest

But this only works if the loans are structured correctly from the start.

Done properly, it creates momentum.

Done incorrectly, it can limit you.

This is why most experienced investors focus on:

Structure first. Strategy second. Rate last.

If you’re thinking long-term, it’s worth understanding how this actually works before your next purchase.

Contact us to discuss your options 📩

Helping clients secure their family home never gets old 🏡️Making the process simple, clear, and stress-free is exactly w...
01/04/2026

Helping clients secure their family home never gets old 🏡️

Making the process simple, clear, and stress-free is exactly what we aim for every time 🤝

Grateful for the trust, and even more grateful for outcomes like this.

If you’re looking for a broker who genuinely goes the extra mile, we’re here to help ⭐

1,000 home loans settled.That’s a milestone I’m incredibly proud of.Six years ago I started AFMS Group with a simple vis...
26/03/2026

1,000 home loans settled.

That’s a milestone I’m incredibly proud of.

Six years ago I started AFMS Group with a simple vision; help people make better financial decisions and build long-term wealth through property.

Since then, we’ve had the privilege of helping 1,000 families, professionals and investors purchase or refinance their homes.

But behind that number are real stories.

🏡 First homes.
📈 Investment properties.
💰 Refinances that saved families thousands.
🚀 Clients taking their next step forward financially.

And most importantly, trust.

Every single loan represents someone trusting us with one of the biggest financial decisions of their life.

That’s something I never take for granted.

To every client who has worked with us, thank you. Without you, none of this is possible.

And to the incredible AFMS team who work tirelessly behind the scenes to make every transaction smooth, fast and stress-free; this milestone belongs to you as well.

1,000 loans down.

Just getting started.

Interest rates will be moving again.The RBA has increased the cash rate by a further 0.25%, which means many mortgage ho...
18/03/2026

Interest rates will be moving again.

The RBA has increased the cash rate by a further 0.25%, which means many mortgage holders will soon see their repayments rise.

But here’s something most people don’t realise:

Thousands of borrowers are still sitting on uncompetitive rates simply because they haven’t reviewed their loan recently.

In the past few months alone, we’ve helped clients reduce their interest rates by 0.05 - 0.25%, even in a rising rate environment.

Banks rarely move your rate automatically.

If you haven’t reviewed your loan in the past 12–24 months, there’s a good chance you could improve your position.

A quick review can often save thousands per year.

📩 If you’d like us to review your loan, send us a message.

Service like this is exactly what we aim for, for every single client.Speed.Clear communication.No chasing banks.No conf...
11/03/2026

Service like this is exactly what we aim for, for every single client.

Speed.
Clear communication.
No chasing banks.
No confusion.

Just a finance process that actually works the way it should.

Buying, refinancing or investing in property is a big decision - our job is to make sure the lending side feels simple, efficient and stress-free.

Thank you for the kind words and trust in our team. It means a lot.

If you’re looking for a broker who moves fast and keeps you informed every step of the way, we’d love to help.

Many buyers focus on saving a deposit, but they forget about something equally important:Borrowing capacity.Three things...
04/03/2026

Many buyers focus on saving a deposit, but they forget about something equally important:

Borrowing capacity.

Three things we regularly see reducing borrowing power are:

Credit cards - even ones you don’t use - Banks assess the full credit limit, not the balance.

Car loans or personal loans

Buy Now Pay Later accounts

In some cases, simply closing unused accounts can increase borrowing capacity significantly.

Before applying for a home loan, it’s worth reviewing your finances properly so there are no surprises with the banks.

First home.Buying solo.Big decisions.That’s exactly when you need a broker who answers the phone, explains everything cl...
25/02/2026

First home.
Buying solo.
Big decisions.

That’s exactly when you need a broker who answers the phone, explains everything clearly, and makes you feel like a priority - not a number.

At AFMS Group, it’s not just about getting an approval.
It’s about guiding you from the very beginning - even before you’re “ready” - so when the time comes, you move with confidence.

Thank you Claire for trusting us with such an important milestone 🙏

If you’re thinking about buying (even if it’s 6-12 months away), let’s map out the right strategy now.

📞 Book your free call today.

SMSFs aren’t growing by chance.Over the past decade, Self-Managed Super Funds have nearly doubled in total assets across...
24/02/2026

SMSFs aren’t growing by chance.

Over the past decade, Self-Managed Super Funds have nearly doubled in total assets across Australia.

Why?

Because structure changes outcomes.

An SMSF gives you:

• Control over your investments
• The ability to purchase property
• The ability to leverage inside super
• A long-term strategy not dictated by daily market noise

For many professionals and business owners, it’s about removing uncertainty as retirement approaches.

It’s not about chasing hype.

It’s about strategy.

SMSFs aren’t for everyone - but when structured correctly, they can be one of the most powerful wealth tools available.

If you’d like to understand whether it makes sense for your situation, send me a message.

Andrew
AFMS Group

Address

Level 14/5 Martin Place
Sydney, NSW
2000

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+61417411708

Website

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