Home loans are complicated.

We make them easy.

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?!

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


INTRODUCING.... OUR LEARNING CENTRE!

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.


Fixed rate period ending soon?

Don't stick your head in the sand...

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!

WHAT OUR CLIENTS SAY ABOUT US

  • Matt Goodyear is an absolutely phenomenal human! He has been our mortgage broker for a few years with a couple of refinances and some very amazing ideas with how to manage the money side of our lives! Such a highly personable human that is really good at explaining stuff and helping us decide the right thing to do.

    Chandni
  • 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
  • I understand how cliché this paragraph will sound for a review, but I actually can’t recommend Andrea and the team highly enough, or anyone else that’s closely comparable in not just what they offer, but more importantly, what they deliver. I first came by Andrea through a reputable and respected Real Estate agent in 2015. Since then, Andrea has not only created brilliant work with efficiency and speed, it’s backed up with execution (all highly desirable attributes in this field of work), there has also been occasion where she’s saved some deals that were on the brink of loss (deals initially setup elsewhere, only to fail at the eleventh hour. This is where Andrea was introduced to me and came to the rescue). I might also add, that all the work we’ve done, then and since, has been over the phone, and interstate. We’ve not yet met in person, though this shows the assurance and trust she’s equipped with. And with the new venture into The Happy Finance Company, I’ve been fortunate enough to experience the teams A grade work once again in 2021 (and again this year 2022, facilitating a property purchase for a family member). The work is very personalized, and understanding of each clients situation. They’re much more than the great rates and products… There’s Brokers, and then there’s The Happy Finance Team;):) I can only encourage you to avoid headaches, hassles and precious/wasted time (or worse, biggest deals of your life lost) with others in the brokerage field, and instead work with the best I’m sure I’ve more than made my point ~ but if you do want quality work and outcomes, these guys are pick of the bunch

    Jason Lynch
  • 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
  • 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
  • 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
  • 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

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Congratulations Mat Crossley
We’d like to take a moment to recognise and celebrate Mat Crossley's 10 year membership of the Mortgage & Finance Association of Australia. Established in 1980, the MFAA represents over 15,000 members and contributes to a healthy, competitive mortgage and finance industry through advocacy, education and business-building support. MFAA finance brokers operate within a professional Code […]
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The Ultimate Guide to Finding a Trusted Removalist
Moving can be exciting but stressful, especially when you’re unsure how to find the right removalist to help with your big move. Whether you’re moving across town or to another state, one thing’s clear: you want a removalist you can trust with your belongings.  The last thing you need is someone showing up late, damaging […]
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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: […]

You don't win awards for being AVERAGE. Here are just a few of our recents...

CONTACT US

Reach out to us using the form below and we'll contact you within 24 hours

THFC contact form - homepage

ANDREA PALELLA (O'SHEA)

Facetime

In person - Inner Northern Suburbs, Brisbane

DAVID FRENCH

Facetime

In person - Outer Northern Suburbs, Brisbane

MATHEW CROSSLEY

Facetime

In person - Milton/ Coorparoo areas, Brisbane

MATTHEW GOODYEAR

Facetime

In person - Caloundra, Sunshine Coast