For over 17 years, FinanceOnly has helped Australians secure smarter lending outcomes — from first homes to complex investment portfolios. We're brokers, not generalists.
FinanceOnly was founded in 2007 with one clear conviction: that Australians deserve mortgage advice built around their specific situation — not a product that's convenient for a bank.
Holding an Australian Credit Licence from the start, we have operated as an independent mortgage brokerage with access to a panel of 30+ lenders. This independence means our recommendations are driven by your goals, not commission incentives.
Over the years we have helped hundreds of clients navigate home purchases, investment portfolios, self-managed super fund lending, and complex commercial transactions — all under the same roof, with the same commitment to tailored loan structures.
From your first home to a self-managed super fund property or commercial facility — we structure lending across every stage of your financial journey.
Owner-occupier finance for first home buyers, upgraders and downsizers. We compare across 30+ lenders to find the right structure for your circumstances.
Learn more →Residential and commercial investment property financing. We help you structure loans to maximise serviceability and portfolio growth over the long term.
Learn more →Progressive drawdown loans for new builds, knock-down-rebuilds and major renovations. We manage lender requirements at every stage of the build.
Learn more →Limited recourse borrowing arrangements (LRBAs) for self-managed super funds purchasing residential or commercial property within the super environment.
Learn more →Commercial property loans, business finance and asset lending. We work with SMEs, developers and investors requiring commercial-grade structuring and lender access.
Learn more →Unlike banks or diversified financial planners, mortgages are all we do. That singular focus means deeper lender relationships, sharper product knowledge, and loan structures tailored to your specific situation — every time.
A lower rate on the wrong loan structure costs more in the long run. We focus on building the right foundation — loan type, offset, redraw, fixing strategy — before discussing rate.
We are not owned by a bank or tied to a product shelf. Every recommendation is driven solely by what fits your goals and financial position.
We believe informed clients make better decisions. Our free video library explains mortgage concepts in plain English — offset accounts, construction drawdowns, SMSF borrowing and more.
Three principles that guide every client engagement — from first call to settlement and beyond.
We compare the full market across our 30+ lender panel and present options that fit your situation — not products that are easiest for us to place. Our licence and MFAA membership hold us to that standard.
No two borrowers are the same. We take time to understand your income, assets, plans and risk appetite before recommending a structure — because getting it right upfront saves you money over the life of the loan.
Our relationship doesn't end at settlement. We review your lending regularly to ensure it keeps pace with your circumstances — rate changes, portfolio growth, life events — and act when it should change.