Home hunting in Penrith can be complex, but finding a home loan with AFMS Group can be simple. With no broker fees, we’ll help you navigate the home loan process with simplified expert advice at every stage.
Access tailored solutions, flexible business hours and in-depth knowledge of the Penrith property market when you choose the award-winning AFMS team. It’s our dedication to satisfied clients that has earned us the Top 10 Mortgage Brokers in Australia Award in 2025, as well as over 400 5-star customer reviews.
Whether you’re navigating the process as a first home buyer or building out your Western Sydney portfolio, our mortgage broker services can help you move with confidence.
AFMS Group is a financial brokering firm which provides recommendations on a full range of finance products.
THE AFMS ADVANTAGE
AFMS director, Andrew Hadjidemetri, has over 10 years of experience in the Greater Sydney finance industry and is a top-ranked broker. All Penrith clients gain strategic advice directly from Andrew for both peace of mind and a mortgage-ready advantage.
The property market moves fast in the more affordable Western Sydney market, and you can make smarter moves with an expert mortgage broker on your side. Responsiveness is one of our core principles, so we ensure all client inquiries are acknowledged within 4 hours. Navigate the search for the right home loan with a super-fast application process and turnaround.
Finding a home loan or investment loans around a full-time, busy schedule can be tough. We make it easy with flexible appointments via phone, video call or mobile appointments at a time and place that suits you. No broker fee. Just award-winning advice.
With over 450 5-star customer reviews, you can see for yourself the personalised, exceptional service you can gain throughout the entire process. Our Western Sydney mortgage brokers work to take the stress out of your home loan search, so you can buy with confidence.
“The Australian property market is a dynamic and ever-evolving landscape, and being able to make a tangible difference in my clients’ lives by helping them secure their future is incredibly fulfilling. My inspiration comes from seeing the positive impact that property ownership can have on a person’s financial well-being and knowing that my expertise can help them navigate this journey with confidence.”
Andrew Hadjidemetri,
AFMS Group Director (Accountants Daily Interview)
Buying your first home is both exciting and daunting. Our service is tailored to first-time buyers, so everyone can navigate the property market with certainty. Our award-winning mortgage brokers in Penrith will guide you through the process and stamp duty schemes, all with zero consultation fees. Back yourself with a top-rated mortgage broker, with over 40+ local lenders, and find your new home keys with ease.
Jordan Coelho is a Senior Credit Adviser at Australian Financial & Mortgage Solutions and a trusted partner to founder Andrew Hadjidemetri. He supports clients across Penrith and Western Sydney with strategic, personalised lending advice that helps them navigate lender policy and secure confident approvals. With a reputation for detail and clarity, Jordan guides first home buyers, upgraders and investors through every step of the process — from structure and strategy to settlement. His local market understanding and client-first approach make him a key part of the AFMS team delivering strong outcomes in Penrith and beyond.
Andrew Hadjidemetri is the founder of AFMS Group and a multi-award-winning mortgage broker with over 12 years of experience in the finance industry. He’s helped hundreds of Australians, including many in Penrith and across Western Sydney, achieve smarter property and financial outcomes. Known for integrity, responsiveness and sharp lending strategy, Andrew provides direct, personalised advice backed by real-world investment experience. Today, he manages over $700 million in home loans and leads a trusted team focused on transparent guidance, fast approvals and long-term wealth creation — with deep familiarity of the Western Sydney lending and property landscape.
Nicholas has over a decade of experience in the mortgage and finance industry and brings that depth to every client’s case. Working with clients in Penrith and across Western Sydney, he takes the time to understand your goals and delivers clear, personalised strategies that support both immediate and long-term financial success. He’s MFAA-accredited, an AFCA and AFG member, and is known for making the process simple, proactive and stress-free. With extended weekday hours and select weekend consultations, Nicholas helps clients move quickly from plan to approval to settlement.
With over five years of experience in the wider Sydney region, our mortgage brokers bring deep knowledge of the property market to Penrith and the surrounding areas. We have a strong relationship with over 40 home loan lenders, so we can negotiate and find the best loan every time. Combining personalised service and expertise, we guide every client through the approval process to make it hassle-free and straightforward.
Our consultation is flexible and convenient. We can set up a phone call, Zoom or mobile meeting in a place that suits you. Our Sydney CBD office is also conveniently located just a 3-minute walk from Wynyard Station in Sydney CBD, on the direct train line from Penrith. We would be happy to host your consultation at our office to discuss your Penrith property dreams.
HOW DOES IT WORK?
In our first consultation, we’ll understand your goals and aspirations for buying in the Coogee property market. This helps us find the best solutions tailored to achieving your Coogee property goals.
Using insights from our first consultation, we’ll conduct in-depth research into the Coogee market and create strategic finance solutions based on reaching your goals effectively.
Based on our analysis, we present a recommendation along with three tailored options for you to choose from.
After selecting the ideal solution, we prepare and submit your application to the chosen lender on your behalf.
Once the lender approves your application, the loan is finalised, allowing you to move forward with confidence & certainty.
With your journey complete, we continue to support you through regular check-ins to ensure the solution remains the best suited.
THE AFMS BLOG
READ THROUGH OUR MOST
Yes, Penrith is considered a growth area whilst remaining one of the most affordable suburbs in the Greater Sydney region. Penrith houses have seen a 6.18% growth annually (as of the 2025 Property Report). With the boom in infrastructure and the new Western Sydney International Airport, the Penrith housing market is steadily growing.
AFMS Group mortgage brokers in Penrith are free of charge for consultation. We make money from the commercial relationships we have with lenders.
Yes, we have extended hours between 8am and 8pm midweek and can arrange weekend appointments for clients. We understand how tricky a property and home loan search can be, so we work to fit into your schedule.
Yes, our mortgage brokers have extensive experience in finding the right lender and loan for clients buying land. Whether it’s your first property or an investment opportunity, we can assess your financial goals and find the right solution to start building your property dream.
Yes, our expert mortgage brokers have deep knowledge of the available grants and exemptions in New South Wales. Throughout the assessment process, we will assist you with all grant and exemption eligibility tests and applications, enabling you to purchase your dream house at the best possible deal.
We assess your financial circumstances, including your income, savings, investments, and debts, as well as your lifestyle expenses and financial goals, to provide thorough borrowing capacity advice. Feel free to use home loan calculator to get an indication of our assessments.
AFMS is director-led and offers expert advice from the top down. Every client receives personalised advice from award-winning director Andrew Hadjidemetri, ensuring our applications are managed at the highest level.
SIMPLIFY THE PROCESS
No matter where you are in your home loan journey, you can book a free, no-obligation 15-minute strategy call with our Penrith professional mortgage brokers. Whether you’re refinancing, investing or looking to secure your first home, an AFMS mortgage broker can assist in finding the best home loan you may not find on the open market.
Make smarter moves with a top-rated mortgage broker on your home search side.
