THE HAPPY FINANCE COMPANY MAKES HOME LOANS FUN!
It’s no secret that banking is big business, and there are many lending providers to choose from. It's not everyday you buy or refinance, and that in itself can make it an overwhelming process. A third party (aka a Happy Finance Company broker) can be your greatest asset when it comes to navigating loan options, as we are there to make you happy – not the banks.
Whether you’re new to home ownership, want to buy an investment property, or want to refinance your existing property, we are your team. We can provide you with property reports, valuations, suburb statistics and information on market trends to help you make an informed decision around buying, selling and/or refinancing. Home loans are our bread and butter, and we take great pride in making the loan process fun, educational and stress free.
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-fits-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 over 30 different lenders. We’ll find the right one for you.
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.
Our services to you are complimentary
We get paid by the bank when your loan settles, meaning the benefits of using a broker don’t come as an extra charge. And just to ease your mind…. The commissions paid by Australian lenders are all within a similar fee structure, so there is no benefit to us for choosing one lender over another. It’s ALL about you.
ANDREA PALELLA (O'SHEA)
DAVID FRENCH
MATHEW CROSSLEY
MATTHEW GOODYEAR
