Your Local Mortgage Brokers | The Happy Finance Company

Expert mortgage brokers in Australia, minus the beige advice

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 you learn, grow and ultimately PROFIT in this big scary world of "finance". What's not to be happy about?!

FINALISTS IN 2 CATEGORIES!

--> Best New Office

--> Best Boutique Non-Franchise Office

Exciting news! We have recently been added to The Best Brisbane, a trusted platform connecting you with a wide range of businesses and professionals. Visit our profile on thebestbrisbane.com to explore our services and stay updated with our latest news

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

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.

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

If Carlsberg did mortgages, it'd probably be the best in the world. Infinitely Happy with the HFC making complicated things easy! Thanks yet again Mat and the team

Helen Holcroft
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
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
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
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
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
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

Big loan goals? Let’s make them feel doable

Finance doesn’t need to feel like a 40-page form with a personality problem. At The Happy Finance Company, you get experienced mortgage loan brokers, real human support and options from a wide lender panel. We explain the tricky bits, handle the back-and-forth and keep things moving without the bank-speak. If you’re buying, refinancing or untangling something complex, we’re in your corner. Reach out today and let’s get happy!

Frequently asked questions

Yes, especially if you prefer not spending your evenings decoding bank jargon. A mortgage loan broker can compare products across multiple lenders, explain what actually suits your situation and guide you from application to settlement. At The Happy Finance Company, we add the human bit too: real conversations, smart strategy and support that makes the whole process feel less like a financial obstacle course. Our team can also review and provide additional support after settlement.

Getting approved starts with knowing what lenders want to see: income, expenses, your credit history, how much deposit or equity you need and whether you need genuine savings or not. The not-so-fun bit? Every lender assesses things differently. That is where a seasoned mortgage broker in Australia helps. We review your situation, tidy up the details, compare lender options and guide the application so you’re not left refreshing your inbox and stress-eating biscuits.

No, not all mortgage brokers in Australia have access and authority to use the same banks as we do. Our team also gets priority service over other brokers with certain lenders due to our quality submissions, high volumes and relationships with the banks. At Happy Finance, we also have a big support team behind us, ensuring that clients are looked after.