AFMS Group is a financial brokering firm which provides recommendations on a full range of finance products.
Our Services
Approval speed varies wildly: some lenders take three days, others three weeks. We know which lenders are moving fast right now, lodge your application within 24 hours of receiving your documents, and chase it daily until you have an answer.
Every client works directly with our principal, Andrew Hadjidemetri, ranked in Australia's Top 10 Brokers by MPA in 2025. Your file is never handed to a junior.
Our panel includes CBA, Westpac, NAB, ANZ, Macquarie, ING, St.George, and Bankwest, plus more mutuals and specialist lenders. We compare them on rate, fees, and policy, then negotiate so you never settle for the first offer.
We charge no consultation or brokerage fees on residential loans. The lender pays us after your loan settles, and we disclose any commission upfront.
We have settled over $1 billion in home loans across Sydney. After that many deals, very little surprises us: chances are we have seen your situation before, and we know which lender said yes to it.
Available 8am to 8pm on weekdays, and by appointment on weekends. We work around your schedule, not the other way around.
Buying property in Australia today is harder than it’s ever been. With Sydney’s median house price now sitting at $1.6 million and lender policies tighter than ever, borrowing capacity is more sensitive to your income structure than at any point in recent memory. The difference between a good outcome and a bad one can run into tens of thousands of dollars over the life of your loan.
That’s where we come in. AFMS Group has helped hundreds of Australians, from first-home buyers to seasoned investors, secure the right loan in a market that doesn’t forgive mistakes. We work across the full lending market to find a loan that actually fits your circumstances, not just one that gets approved.
No fees. No runaround. Just direct, experienced advice from a team that does this every day.
With 500+ five-star Google reviews and recognition as one of Australia’s top mortgage brokerages, our track record speaks for itself.
Speak to the AFMS Group team today.
Award-winning Sydney mortgage brokers with $700M+ in loans settled and 500+ five-star Google reviews. We stay in your corner from pre-approval through to settlement and beyond.
AFMS Group is an MFAA-accredited mortgage broker, licensed by ASIC, and a member of AFCA and AFG. We work with 30+ lenders across the Big 4, second-tier banks, and specialists, giving you genuine choice and the protections of Australian consumer law on every deal.
Planning to purchase your first home or an investment property? Utilise our online calculators to forecast your realistic maintenance costs so you can make an educated decision. Contact us for a personalised consultation!
HOW DOES IT WORK?
We begin by understanding your goals and aspirations during a detailed consultation. This step helps us identify the best solutions tailored to achieving your objectives.
We research your options across 30+ lenders and build a strategy around your situation — not a one-size-fits-all recommendation.
We present three tailored options with a clear recommendation, so you can compare and choose with confidence.
We prepare and submit your application, handling all the paperwork and lender communication.
Your loan is formally approved and you can move forward with certainty.
After settlement, we stay in touch with regular check-ins to make sure your loan still works for you as rates and circumstances change.
NSW schemes are complex and change often, and some can be stacked for the same property. We make sure you take full advantage of everything you are entitled to. Answer three quick questions for an instant indication.
Answer all three questions for your instant indication.
General guide only, not financial advice. Eligibility criteria, price caps, and income limits change; we confirm what currently applies to you in a free consultation.
We identify the schemes you qualify for, work out how they stack, and manage your application from pre-approval to settlement, at no cost to you.
Explore First-Home Buyer Broking Free GuideEvery grant, scheme, and step of buying your first home in Sydney, explained in plain English in our full walkthrough.
Read the GuideREAD THROUGH OUR MOST
Australian Financial and Mortgage Solutions offers comprehensive financial services to clients across Sydney. This includes:
Our Sydney-based team of experts works to find the right mortgage solution tailored to your specific financial circumstances and purchase price range.
At AFMS, we’ve streamlined the mortgage process for Sydney homebuyers into six simple steps:
We’ll take care of paperwork and negotiations so you can enjoy a smooth and stress-free buying journey.
Relying on your current bank for home loan advice comes with some drawbacks. We compare options across the Sydney market to secure better rates and terms than what’s typically available through a single bank.
Working with us provides you with access to numerous lenders and loan products that you might not find on your own. Plus, our service comes at no cost to Sydney residents. We’re paid by the lender you choose.
To improve your mortgage approval chances in Sydney’s competitive property market, focus on:
For the best chances of mortgage approval, you need advice that’s tailored to your situation. When you work with us, our Sydney-based team will provide personalised insights on strengthening your application.
At AFMS, we pride ourselves on providing personalised service to Sydney homebuyers and investors with a focus on long-term financial health. Our Sydney brokers take the time to understand your unique circumstances and future goals. We provide tailored solutions you might not find with other brokers.
We also maintain relationships with our Sydney clients after your loan is settled. We offer ongoing support and regular check-ins to ensure your mortgage continues to meet your changing needs.
The timeline depends on the lender and your individual circumstances, but on average:
To ensure you stay on top of this fast-paced process, we provide fast turnarounds and guide you through every step. This ensures a smooth process to getting your dream home.
No, we don’t charge fees for our consultation with you. We make money based on commercial relationships with the lenders we work with.
We’re a Sydney-wide mortgage broker, helping clients from the Inner West to the Eastern Suburbs and the North Shore. We regularly work with buyers and investors in Parramatta, Randwick, Coogee, Chatswood and North Sydney – but we can assist wherever you’re based across Greater Sydney.
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