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

FINALISTS IN 2 CATEGORIES!

--> Best New Office

--> Best Boutique Non-Franchise Office

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
  • 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
  • Mat Crossley has been absolutely outstanding through our whole buying process. From the beginning, we were so at ease with his immense knowledge and efficiency in helping us reach our goals. It has been a long process for us and Mat has always been supportive and kept us up to date about everything going on with our applications and what was coming up next. We are looking forward to our continued partnership with Mat as we start our house build. We would use Mat again and again! Thank you Mat you are amazing!

    Emma Biggs
  • If you're in need of a mortgage broker who goes above and beyond, look no further than The Happy Finance Company. Five stars all the way! Twice we have had the pleasure of working with Andrea. We are beyond impressed with her exceptional service and expertise. From start to finish, Andrea was available to assist us with what we thought wasn’t possible and fought for us to achieve the best possible rates. Andrea's knowledge of the mortgage industry is unparalleled. She took the time to thoroughly explain every aspect of the mortgage process, ensuring that we fully understood the terms and conditions. Her ability to simplify complex financial concepts made us feel confident and informed throughout the entire transaction. A shout out to Josh also, he makes things happen! Thanks guys.

    Loren Egan
  • 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
  • I’ve known Mat for over 10 years, and he’s provided me with exceptional service always. April is also fantastic. Always professional and always deliver against expectations. Fast reliable service. Thanks, Team.

    Emma Louise Bell
  • 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
  • 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

LATEST NEWS AND UPDATES

Unit prices and rents heading north
Things are looking up for owners of units, whether owner-occupiers or investors. After the national median unit price fell for 10 consecutive months, it increased in both March (0.6%) and April (0.7%), according to CoreLogic. CoreLogic economist Kaytlin Ezzy said this could signify “the start of a slow recovery phase, with inflation seemingly moving past […]
The ATO reminds property investors to take care with their tax returns
The Australian Taxation Office (ATO) has revealed it will have three key focus areas this tax time – one of which will be deductions claimed by property investors. The reason property investors are being targeted is that the ATO review found nine in ten property investors were filing faulty tax returns. Common errors included: As […]
RBA leaves cash rate at 4.10%
The Reserve Bank of Australia (RBA) has left the cash rate at 4.10% for the fourth consecutive month, as many commentators had expected. While the RBA has said in the past few months that it may increase the cash rate in the future, many commentators believe that rates have now peaked. Inflation will be the […]

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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

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In person - Outer Northern Suburbs, Brisbane

MATHEW CROSSLEY

Facetime

In person - Milton/ Coorparoo areas, Brisbane

MATTHEW GOODYEAR

Facetime

In person - Caloundra, Sunshine Coast