Whether it is your first property or your tenth, AFMS Group does the legwork: 30+ lenders compared, rates negotiated, and approvals kept moving, with an award-winning broker leading every file.
No cost to you · No obligation · Seven days, 8am to 8pm
The easiest way to apply for a home loan in Sydney is to have someone who does it every day run the process for you. AFMS Group structures your loan, negotiates your rate, manages the application end to end, and checks back in at 6 and 12 months to make sure it is still the right deal. The market moves fast, so we work evenings and weekends, and commit to a four-hour reply time.
Start with a free 15-minute call. No documents needed, no obligation.
Book a ConsultationAll of it at no cost to you. Brokers are paid by the lender when your loan settles, and every commission is disclosed upfront.
The right broker is the one who has done your kind of loan before. Whatever your situation, we match you with the lenders whose policy actually fits it.
We simplify the whole process: choosing the right government scheme for your circumstances, confirming your deposit, stamp duty, and borrowing power, and guiding you from pre-approval to keys. Start with our first home buyers guide and the First Home Guarantee explainer.
Better rates and terms, negotiated for you. We handle the entire refinance, often reaching approval and settlement within weeks, with access to products that are not widely advertised.
From your first investment property to a multi-property portfolio, we structure investment loans around your short, medium, and long-term goals, including equity release and SMSF lending.
Building comes with stricter lending terms and higher deposits. We manage the extra complexity, from deposit schemes to construction-to-permanent structures, so you can focus on the build. See how construction loans are assessed.
We know which lenders understand ABN history, variable cash flow, and business structures, and our document checklist takes the pain out of the paperwork. More in our self-employed home loan tips.
Some lenders offer sharper rates, lower deposits, and LMI waivers to doctors, lawyers, and other stable, high-income professionals. We confirm your eligibility and run the process while you concentrate on work.
Your bank can only offer its own products. A home loan broker compares 30+ lenders against your situation, negotiates the rate, structures the loan properly, and manages the application for you, at no cost to you, because brokers are paid by the lender at settlement.
The difference shows up in the outcome: the same borrower can be offered very different amounts, rates, and conditions by different lenders, and the gap is rarely visible from the outside. It also shows up in the workload. We handle the paperwork, the lender queues, and the back and forth, so approval does not depend on you chasing a call centre. If you are weighing it up, read our plain-English guides on what a mortgage broker does and broker vs bank.
Not sure where your situation fits? That is what the free 15-minute call is for.
Book a ConsultationHere is exactly what happens when you work with AFMS Group, so there are no surprises at any stage.
We talk through your financial situation and property goals. No documents needed, no obligation, and appointments flex around you: in person at Martin Place, on video, or by phone, evenings and weekends included.
We assess your income, deposit, debts, and expenses the way a lender's credit team will, then design the loan structure around your goals, whether that is your first home, an upgrade, or an investment portfolio.
We shortlist the lenders whose policy fits your situation, negotiate rates and terms, and recommend the strongest option. You see the reasoning, not just the recommendation.
Our document checklist makes onboarding painless. We package and lodge one complete application; pre-approvals often come back in one to three days, and full approvals typically land within four to eight weeks depending on the loan and lender.
We drive the file through valuation, unconditional approval, and settlement, coordinating with your conveyancer and keeping you updated at every stage, with a four-hour reply time when you have questions.
The service does not stop at settlement. We review your loan at 6 and 12 months, re-check the market, and flag when refinancing or restructuring would leave you better off.
Every client gets strategic advice directly from principal broker Andrew Hadjidemetri, a Top 10 Broker in Australia (MPA 2025) with more than a decade in finance and over $1 billion in home loans settled for AFMS Group clients.
A four-hour reply time, pre-approvals often within one to three days, and high-level lender accreditations backed by a dedicated support team that keeps applications moving instead of sitting in queues.
Award-winning service at no cost to you: brokers are paid by the lender at settlement. Appointments run in person, on video, or by phone, weekdays 8am to 8pm and weekends by appointment.
Winner of the 2025 MFAA Customer Service Award, with 800+ five-star reviews across Google and BrokerPages. Clients consistently mention proactive communication and a team that goes the extra mile.
AFMS Group is principal-led. Founder and director Andrew Hadjidemetri works your file personally, supported by senior credit adviser Jordan Coelho and finance broker Nicholas Del Duca.
See the full trophy cabinet on our awards page, read our 800+ five-star reviews, or meet the whole AFMS Group team.
My name is on every loan we write. Clients come to us for the rate, but they stay because the structure is right, the communication is fast, and we are still reviewing their loan long after settlement.
Get a working picture of your upfront costs and repayments before we talk, then we will turn the estimates into real figures from real lenders.
Estimate your weekly, fortnightly, or monthly repayments at different loan sizes and terms.
Budget for the biggest upfront cost of buying in NSW, including first home buyer concessions.
See how much time and interest extra repayments could take off your loan.
Work out what an offset account could save you over the life of the loan.
Calculator outputs are estimates only, not financial advice. Lenders assess every application on its own merits.
From our Martin Place office in the heart of the Sydney CBD, we work with buyers, upgraders, and investors right across the city. Appointments run in person, on video, or by phone, so where you live never limits the service.
We provide local mortgage broking support in the Eastern Suburbs (Coogee and Randwick), the North Shore and Northern Beaches (Chatswood and Manly), and Greater Western Sydney (Parramatta and Penrith).
Talk through your financial situation and property goals with an award-winning Sydney broker. Zero obligation, zero broker fees, and if you go ahead, a simplified onboarding process with personal check-ins up to 12 months after purchase.
We arrange loans for every kind of buyer: first home buyers, refinancers, property investors, land and construction loans, self-employed and freelancer applications, and professional package loans for high-income professionals such as doctors and lawyers. If your situation is complex, that is usually where a broker adds the most value.
We do the legwork for you. We compare loans from 30+ lenders, negotiate rates and structures, prepare the paperwork, and manage pre-approval and approval directly with the lender. You avoid the back and forth with bank call centres, and your application lands complete the first time, which is what keeps approvals fast.
No. The first consultation is obligation-free and needs no paperwork at all; it is a conversation about your situation and goals. If you decide to go ahead, we give you a simple document checklist and a guided onboarding process to kickstart the assessment.
Pre-approvals often come back within one to three days, which confirms your borrowing power so you can start making offers. Full approval typically takes four to eight weeks depending on the loan type, your documentation, and the lender. Because we know which lenders are moving quickly at any given time, we route your application accordingly.
Yes. We work with lenders who understand ABN history, variable cash flow, and business structures, and we manage the extra documentation end to end. Self-employed loans are one of our specialisations, and having the application structured correctly upfront makes a significant difference to the outcome.
Yes. With access to 30+ lenders, we help lawyers, healthcare workers, financial specialists, and other eligible professionals secure competitive rates, lower deposits, or LMI waivers under professional packages. We confirm your eligibility, handle the criteria and documents, and negotiate the pricing.
No. Consultations and our broking service are at no cost to you; we are paid a commission by the lender when your loan settles. There are no hidden fees: we hold Australian Credit Licence 389087 and disclose our commissions and any lender fees to you upfront, as required.
It depends on your circumstances. Fixed rates give repayment certainty but less flexibility; variable rates move with the market and usually allow extra repayments and offset accounts; split loans combine both. We model the options against your budget and goals in your consultation so the structure fits you, not the other way around.
Completely up to you. Consultations can run in person at our Sydney CBD office at Martin Place, on video, or by phone, weekdays 8am to 8pm with weekend appointments available. Most loans can be arranged fully online if that suits you better.
This page provides general information only and does not take into account your personal objectives, financial situation, or needs. It is not financial or credit advice. Calculator results are estimates only. Approval times are indicative and depend on the lender and your circumstances. AFMS Group provides credit assistance only. Australian Credit Licence 389087, Credit Representative 523450. MFAA member.
