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 and Mat (The Mat/ts!) 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:

Loan Options Widget

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!

SUBMIT A REVIEW

WHAT OUR CLIENTS SAY ABOUT US

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

anonymous
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
Matt helped me buy my first home in such record time! All though we were waiting for a while to hear back from the bank I had complete trust in the process and complete trust in Matt's work. I am so happy with my loan, and I will definitely use Matt again in the future and totally recommend him, he made it feel so easy for me! Thank you so much!

Georgia Lombardi
I have relied upon David's support through the purchase of 3 properties now (the most recent being through The Happy Finance Company), and I wouldn't look anywhere else! The service is 10/10, there are no silly questions, and I always know exactly where we stand and what is required. I couldn't recommend them more highly!

Shelby Lindsay
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
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

LATEST NEWS AND UPDATES

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 […]

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 […]

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: […]

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