Commonwealth Bank
Major Bank
Australian lending, personally guided
Fund Your Today.
Home loans, refinancing and commercial finance. Expert guidance, a broader lender perspective and solutions tailored to your goals.
Home Loans
Guided borrowing
Refinancing
Clearer options
Commercial Finance
Tailored structures
40+ Lenders
On the panel
Hawthorn HQ
Hawthorn, VIC
Unbiased Lending Choice
Access to 40+ Australian Banks & Non-Bank Lenders
We compare rates and policy options across leading institutions so you don't have to negotiate alone.
Westpac
Major Bank
National Australia Bank
Major Bank
ANZ
Major Bank
Macquarie Bank
Specialist & Premier
Bankwest
National Lender
ING
Direct Lender
St.George
National Bank
Suncorp Bank
National Lender
Pepper Money
Specialist Lender
Liberty
Flexible Solutions
ME Bank
Customer-Owned
Major banks & customer-owned institutions
Specialist, commercial & non-bank lenders
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Covered by Australian Best Interests Duty (BID)
Selected lenders shown. Lending panel, product availability and eligibility vary by applicant and loan type.
Borrower Toolkit
Australian Mortgage Repayment Calculator
Calculate your estimated repayments across varying loan sizes, interest rates, and frequencies to find a comfortable budget.
$50k
$5M
Example 6.14% · enter your rate
%
1%
15%
30 Years
Optional voluntary amount paid on top of your scheduled repayment.
Add an amount to compare its potential impact.
Slider to $5k · type up to $100k
Model a bonus, inheritance or savings injection at year end.
Leave at $0 to exclude a one-off repayment.
Keep a constant cash balance to reduce the interest-bearing loan balance.
Assumes the same balance stays in the offset account for the life of the estimate.
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Estimated P&I Repayment
$4,564.36
/ month
Based on 6.14% p.a. over 30 years (P&I).
Loan Amount (Principal):
$750,000
Total Interest Payable:
$893,166.19
Total Repayments:
$1,643,166.19
Repayment strategy impact
Add a monthly extra payment, one-off lump sum or offset balance to see potential interest savings and an earlier finish date.
Principal (46%)
Interest (54%)
Total cost structure
Updates with every scenario change
Interest
0%
Principal · 0%
Interest · 0%
Broker Insight: This frequency control re-calculates repayments over the same selected term. Paying half a monthly instalment every fortnight is a separate accelerated strategy (26 half-payments equal 13 monthly payments a year); check lender terms.
Free assessment · No impact on credit score · 40+ lenders compared
Direct download · no print dialog
Comprehensive Financial Guidance
Lending Solutions Tailored to Your Real Life.
Every property journey is unique. We match your specific scenario with the most suitable lender policies, terms, and competitive rates.
Most Popular
Residential Home Loans
First Home Buyers & Property Purchases
Navigate the Australian property market with clear borrowing power calculations, government scheme assistance (First Home Guarantee, FHOG), and competitive rate options tailored to your family's future.
First Home Buyer 5% deposit scheme support
Pre-approval for auction and private sale confidence
Access to basic and feature-rich offset accounts
$0 standard broker fee for residential lending
High Savings
Smart Mortgage Refinancing
Rate Reduction & Equity Release
Don't pay loyalty tax to your bank. We benchmark your existing home loan against 40+ lenders to secure lower interest rates, cashback incentives, and equity release for renovations or investing.
Free annual mortgage health check
Cashback offers up to $2,000–$4,000 when available
Unlock home equity for renovations or investments
Consolidate high-interest debts into one low payment
Tailored Structures
Commercial & Business Finance
Offices, Retail, Warehouses & Capital
Practical commercial financing pathways structured around your business cash flow, tax positioning, and commercial property acquisition needs across bank and private institutional funders.
Owner-occupied and commercial investment loans
Flexible loan terms up to 25–30 years
Asset, vehicle and heavy machinery finance
Working capital and trade finance facilities
Wealth Strategy
Property Investment & SMSF
Portfolio Growth & Super Fund Borrowing
Scale your real estate portfolio with tax-effective lending structures. We assist sophisticated investors and SMSF trustees with Limited Recourse Borrowing Arrangements (LRBA).
Interest-only options to maximise cash flow
Cross-collateralisation vs standalone structuring
SMSF residential and commercial property lending
Borrowing capacity optimisation across lenders
Progress Drawdown
Construction & Renovation Loans
Knockdown Rebuilds & Multi-Stage Builds
Specialised progress payment financing that releases funds as builder milestones (slab, frame, lockup, fix, completion) are reached, keeping interest costs minimal during construction.
Progressive drawdown schedule management
Interest-only repayments during building phase
Expert liaison with registered builders and valuers
Fixed-price contract and turnkey package solutions
Specialist Approved
Self-Employed & Alt-Doc Lending
Low-Doc & Non-Standard Income Verification
Traditional banks often struggle with complex business financials. We specialise in alternative documentation (accountant letters, BAS statements) to get business owners approved.
Low-doc lending using 1-day or 6-month BAS
Accountant declaration letter loan options
Lending through Family Trusts and Company entities
No penalty for write-offs or depreciation
Not sure which loan structure fits your scenario?
Our brokers will analyse your borrowing capacity and shortlist suitable lender options at no obligation.
The FC Financials Advantage
Why Working with an Accredited Broker Makes All the Difference.
Walking into a single bank branch gives you only their products. At FC Financials, we work for you—comparing options across the Australian market to find the loan that actually fits.
Real Independence
“We don't work for the lenders. We work for you.”
Legally Bound by Best Interests Duty
Unlike direct bank branches who can only sell their own products, Australian mortgage brokers are legally bound to act in your best interests, ensuring you get the right deal, not just any deal.
40+ Banks & Specialist Lenders
We have direct accreditation with Australia's big four banks, mid-tier regional lenders, customer-owned credit unions, and non-bank commercial funders.
$0 Out-of-Pocket Fee on Standard Loans
For standard residential home loans, our service is paid directly by the chosen lender upon settlement. You receive experienced, strategic guidance at no extra charge.
Fast Pre-Approvals & Paperwork Relief
We manage all the heavy lifting: income verification, loan packaging, valuation ordering, and lender follow-ups, saving you dozens of hours of stress.
Personalised, Long-Term Care
We don't disappear after settlement. We conduct annual loan health checks to ensure your interest rate remains competitive as market conditions evolve.
Flexible Consultation Times
Available for phone, video, or in-person consultations at times that fit around your work and family schedule, including after-hours and weekends.
Ready to find out your true borrowing power?
Speak with a licensed mortgage specialist today. No credit file impact, zero obligation.
A Transparent Experience
How We Guide You to Settlement.
No banking jargon, no confusing paperwork. Our proven 4-step framework keeps you informed, in control, and confident every step of the way.
01
Discovery & Capacity Check
We start with a relaxed 15-minute conversation to understand your property goals, cash flow, income structure, and calculate your exact borrowing power.
Step 1 of 4
02
Lender Comparison
We scan 40+ banks and specialist lenders, shortlisting the top 3–4 loan options with transparent interest rates, fees, features, and approval criteria.
Step 2 of 4
03
Application & Approval
We package your application to meet lender underwriting policies, lodge the submission, and manage all back-and-forth communication until formal approval is issued.
Step 3 of 4
04
Settlement & Ongoing Care
We coordinate with your conveyancer and lender for a smooth property settlement, then run annual rate reviews to keep your mortgage competitive over time.
Step 4 of 4
Google client feedback
Guidance That Borrowers Trust.
A direct selection of publicly available Google reviews from the FC Financials Pty Ltd - HQ profile.
“Fantastic experience here! Glad to get my existing home loan refinancing and new purchase home loan together with $ 5,000 cash rebates from their Team! Their consultants help me to get the incredible offers which better than the Banks’ branch!”
Jack
2 Google reviews · Google review
“The professional team they are！ As a new immigrant, I encountered great difficulties in getting a loan to buy a house in Australia. We were lucky enough to meet a Broker from the FC team who helped us analyze the latest bank policies and provide long-term solutions.”
Zoe
6 Google reviews · Google review
“I had a great experience with FC Financials. Their team was professional and knowledgeable, and they provided excellent financial services. I was impressed with their attention to detail and commitment to helping me achieve my financial goals.”
Ben Li
2 Google reviews · Google review
All excerpts are publicly available on the FC Financials Pty Ltd - HQ Google Business Profile.
0.0
Google rating · 0 reviews
0+
Lending Panel Partners
0%
Australian Best Interests Duty
$0
Residential Broker Fee to You
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We are growing a network of thoughtful advisers and professional partners who believe finance should feel clear, considered and personal.
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Let's Start a Conversation
Book a Free, No-Obligation Loan Assessment.
Speak directly with an accredited mortgage specialist. We will assess your borrowing power, review your loan structure, and answer your questions with zero sales pressure.
Direct Broker Access
Call or email our Hawthorn advisory team directly, or send an enquiry and we will get back to you within one business day.
Call Our Advisory Desk
1300 003 999
Direct Email
info@fcfinancials.com.au
Office & Service Area
Hawthorn, VIC · Serving Clients Nationwide
Operating Hours
Mon – Fri 9:00 AM – 6:00 PM (AEST)
Evenings & weekends available by appointment
All consultations strictly confidential and protected by Australian privacy standards.
Zero Obligation Promise
Our initial borrowing capacity assessment and lender comparison does not trigger a hard credit check on your file and commits you to nothing.
