Home loans are complicated.

We make them easy.

I WANT TO BUY A HOME

I WANT TO REFINANCE

I WANT SOMETHING ELSE

Hi! We are Andrea, Matt, Mat (The Mat/ts!) and David (Frenchie), and we are the directors and founders of The Happy Finance Company. Our goal is to use our collective experience and expertise to help our clients learn, grow and ultimately PROFIT in this big scary world of "finance". What's not to be happy about?!

MORE ABOUT US

DID YOU KNOW?

We do more than home loans! Get started with:

FINALISTS IN 2 CATEGORIES!

--> Best New Office

--> Best Boutique Non-Franchise Office

The latest award to add to our armoury -

Mortgage and Finance Association of Australia

Excellence Awards 2024

Customer service award

Here you'll find heaps of informative content about

all things property, loans and finance.

Choose your goal:

BUY A NEW HOME

We're here to help you qualify for a home loan package that meets your needs to finance a property.

BUY MY FIRST HOME

If you're feeling daunted about buying your first property, you're not alone! Learn more about the process here.

REFINANCE MY HOME LOAN

We can assist you in exploring your refinancing choices with fantastic cashback offers.

BUY A CAR / VEHICLE

There are many options for vehicle finance, from car loans through to consolidation with your home loan.

BUILD A HOUSE

Construction loans are not the same as regular home loans. Learn about the differences and how to apply here.

I'M UNSURE - HELP ME PLAN!

We have over 30 years of collective experience in lending and can help you work out your next steps.

WHY CHOOSE US?

We know our sh*t

We have over 30 years of collective experience and are working in the thick of it every day. We know the application process inside out – the bank policies, the timeframes, possible delays, and the forms. All those FORMS. While there’s no getting around them, we’ll make them easier to understand and complete.

We find your right match

Loans are not a one-size-fit-all. Many people focus on the interest rate, and while this is important, it’s not the be-all-end-all. Your loan type will depend on things like your age, savings, equity, future business/work plans and family plans. Did you know, some banks offer a break from repayments when you take maternity leave? We have access to hundreds of loan products across 40+ lenders. We’ll find your fit!

We find competitive options

While the interest rate isn’t always the be all and end all, we still strive to get you the best possible rate and loan package to fit your circumstances. Even a savings of 2-3% of a home loan over a five year loan period can reduce your payments significantly.

We do the hard stuff

Once we’ve worked out which lender and which product is right for you, we prepare the application for you. We are your single point of contact so that you don’t have to sit on hold with various banking departments and explain your story to numerous representatives. We do the forms and the liaison so you don’t have to.

We love teaching

Whether it’s your first home and you need help understanding the basics like interest rates and LMI, or your tenth property and you want to talk strategy, capital gains and LVRs, we’re here to help. Diagrams, scenarios, spreadsheets… whatever you need.

We work for YOU, not the banks

Our service doesn’t end once your loan settles. We’ll be in touch when interest rates drop, when your fixed interest period expires, and every few months to touch base. New cars, home renovations and other big life events may mean we can swap your loan conditions to more favourable options.

Love our company? Give us a shoutout!

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WHAT OUR CLIENTS SAY ABOUT US

I would recommend these guys 100 times over and if I could give David 10 stars I would. They have the best communication and extremely high level of customer service.

Brendan Moss
We met Matt Goodyear when we were looking for our first home on the Sunshine Coast. He was very helpful and knowledgeable when it came to getting the best home loan available to us at that time. Even the bank manager was amazed that Matt got us a 1% lower than his bank’s variable rates for the lifetime of our loan. When it came time to buy our 2nd house, we didn’t hesitate to give Matt a call, knowing full well that he was going to get us the best deal in town…and he did. Both our investment property and the house we lived in were on Owner Occupier rate…how did you negotiate that, Matt? A few years down the road, we refinanced our existing loans and with in-depth knowledge of our finances, Matt managed to almost halve our monthly repayments with great juggling of our new loans. Thanks, Matt!

Kevin Sim
Andrea got in contact with me after I had left a message about wanting to find a competitive rate for my mortgages. Andrea was extremely knowledgeable about the different products on the market and gave me some great advice about how best to proceed. Whilst I did not end up using the Happy Finance Company, as I decided to stay with my existing bank, I would confidently recommend their services to others. Thanks Andrea!

Ben Donovan
Andrea is an amazing professional, who can guide you through this complicated and time consuming journey of getting mortgage for your dream house. I would highly recommend Andrea’s services for anyone looking for a best in class mortgage broker in Brisbane! Andrea was able to make the whole process extremely smooth and simple, we will definitely be back to Andrea once we are ready for our next house! 🙏

Ekaterina Skinner
Thanks so much, Mat and team for such professional service with a great and friendly attitude. Thanks to them I achieved the required refinance with a fantastic outcome! Lower rates and better product! I really appreciate their outstanding service. I highly recommend The Happy Finance Company to everyone!

Tatiana Oliveira
David is always polite and friendly and provides professional service for all your Property Financial Lending Needs. He is always Prompt and Punctual and will Bend over Backwards to find the Best Deal for you. Chez always stays connected with all the Information and always keeps you informed with every step of the Borrowing Process, right to the very end with a final Checklist, all I can say in all Honesty is that they are very thorough. Many thanks to David, Chez, and the whole team for helping us with our Investment Port Folio once again, very much appreciated 😀 👍

Rohan Lambert
Emma and myself cannot thank Andrea and Josh enough for making the process of buying our home so much easier. Nothing was too much trouble for them, and we felt completely supported throughout the entire process. I would definitely recommend them to anyone. They were both professional and friendly. Thankyou guys! We are so happy!

Kelly Bridges
Securing a mortgage was an absolute breeze with this lender. Smooth process, great rates, and excellent customer service. Highly recommend!

anonymous

LATEST NEWS AND UPDATES

Exciting news for First Home Buyers in Queensland!

The Miles Labor Government is making it easier for Queenslanders to buy their first home with new concessions on transfer duty! The threshold for the first homeowner concession has been increased by $200,000 to $700,000. This means eligible first home buyers can save up to $17,350 on a $700,000 property! Key Highlights: 📈 Examples of Savings: […]

Why interest rates have climbed

While interest rates have increased significantly over the past 18 months, this increase, thankfully, has been less than one might have expected, due to competition, according to the Reserve Bank. Between April 2022 and September 2023, the cash rate increased by 4.00 percentage points. However, banks increased their variable rates by, on average, only 3.32 […]

Property market keeps growing despite high interest rates

A new report from CoreLogic has found that median property prices increased in 82.4% of local markets in the three months to October, based on a sample of 4,506 suburbs across Australia. That included price increases in 83.1% of house markets and 80.6% of unit markets. Focusing just on house markets, prices increased in: CoreLogic's […]

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