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Visayab Financial Services

Finance that fitsthe life you are building

Mortgage and finance broking from Sydney— for first homes, next homes, investments and everything that needs a lender to say yes.

Straight answers about what you can borrow · Straight answers about what you can borrow ·

A broker who is stillthere after settlement

HOW WE WORK

Three things we hold ourselves to

Ask once

Tired of sending the same payslip to four different people?

Give us your information once. We handle the paperwork, the lender's questions and the follow-ups from there, so the process stops living on your to-do list.

Answer quickly

Tired of waiting days to hear anything back?

You get a named broker and a direct line to them. When something moves — or stalls — you hear about it from us rather than finding out at the worst moment.

Keep checking

Tired of a loan that quietly stops being competitive?

A loan that suited you three years ago may not suit you now. We review yours periodically and tell you plainly whether it is worth moving or worth leaving alone.

Let us walk you through it

Step 1

We start with a conversation, not an application

Step 2

We work out what you can borrow and what it costs

Step 3

We prepare the application and deal with the lender

Step 4

We stay across the loan long after settlement

GET STARTED

Work out the numbers before you talk to anyone — including us.

WHAT TO EXPECT

What working with a broker changes

What you get from us

  • A view across many lendersbanks and non-bank lenders, rather than one institution's product shelf.
  • An honest read on borrowing capacitybefore you fall in love with a property you cannot fund.
  • Structure, not just a rateoffset, split, fixed portion, repayment type — the parts that quietly cost or save money.
  • One point of contactthe same broker from first call to settlement, and afterwards.

What we will tell you plainly

  • When staying put is the better callrefinancing is not automatically worth the switching costs.
  • When the answer is not yetsometimes the useful advice is what to fix over the next six months.
  • What a lender will actually countdeclared income and real serviceability are not always the same number.
  • What it costs to get instamp duty, LMI, legals and the rest, before they surprise you.

OUR LENDER PANEL

A home loan is one of the largest financial commitments most people make. We compare across a panel of banks and non-bank lenders so the recommendation is based on your circumstances, not on who we happen to work for.

GET IN TOUCH

Tell us what you are trying to do, and we will tell you where you stand.

Would rather talk it through?

(02) 9659 1694
What would you like help with? *

Important information

The information on this page is general in nature. It has been prepared without taking your objectives, financial situation or needs into account, so it is not personal advice and you should consider whether it is appropriate for you before acting on it.

Any rates, figures or examples shown are indicative only. Lending is subject to approval, and lender eligibility criteria, terms, conditions, fees and charges apply. Talk to us about what your own circumstances allow.