HOME LOANS
Secure a Home Loan with Sydney’s Award-winning Home Loan Broker
Whether it’s your first property or your 10th investment property, AFMS home loan brokers do the legwork to help you maximise your finances, structure loans and secure fast loan approvals. With end-to-end application advice, rate negotiations and 6 and 12-month follow-ups, we help you navigate the property market and secure your dream home.
We know the market moves fast, so we’re open on evenings and available weekends to ensure we’re with you at each stage of your loan application. Our super-fast approvals, response times and communication style are just a few of the reasons we were awarded Top 10 Mortgage Brokers in Australia in 2025 and received over 400 5-star reviews.
Why I started AFMS
“After years inside the banking system, I saw borrowers being pushed into products that suited the bank, not the buyer. I started AFMS to fix that.
I’m Andrew Hadjidemetri, founder and director of AFMS. I personally advise on every home loan. No junior brokers, no call centres. You work directly with me and my five-person support team from first call through to settlement.
As an active property investor, I’ve sat where you’re sitting and dealt with the same lenders. That perspective shapes every recommendation I make.”
Andrew Hadjidemetri, AFMS Group Director
If you are searching for a home loan mortgage with a broker you can trust, contact us.
If you’re unsure about the ins and outs of home loans and how they can work to your advantage, we’re here to guide you. Home loan brokers play a crucial role in helping you secure funds for various purposes, whether it’s purchasing a new house, refinancing an existing loan, or releasing equity from your property.
We specialise in simplifying the home loan process and helping home buyers maximise their money when purchasing property. Our mortgage broker experts can help you analyse and choose the right first-home buyer scheme for your personal circumstances and financial situation. Gain confidence in your deposit amount, stamp duty and borrowing capacity, all with zero broker fees.
Negotiate better interest rates and terms with expert home loan brokers on your side. We handle the entire refinance process and push for approval and settlement in just a few weeks. With access to 30+ lenders and products not widely available, we can help you refinance your home loan to suit your financial goals better.
Whether you have a portfolio of properties or you’re just dipping your toe into investments, our expert brokers can help you set short, medium and long-term goals to maximise your investment potential. With a mortgage broker on your side, you can choose from an extensive network of lenders to secure a hassle-free investment loan.
Building your own home is an exciting but complex process. With stricter lending terms and higher deposits, it pays to have financial experts helping you maximise your money. From first home loan deposit schemes to construction-to-permanent loan options, we can do the legwork so you can spend more time designing your dream home.
We can help match you with lenders who understand freelancers’ or business owners’ ABN history, cash flow, and deposit size. With many documents to prepare, our in-depth checklist and end-to-end management can help you secure a home loan with ease.
Some lenders offer better rates, lower deposits and LMI waivers for stable, high-income professionals. We specialise in helping busy lawyers, healthcare workers, and key workers find an eligible “professional packages” loan. We take care of the documents, eligibility criteria and process so you can concentrate on the work that matters.
WHY CHOOSE US?
Our high-level accreditations with major lenders and a dedicated five-person support team mean we process applications faster than most brokers. You get a conditional offer in days, not weeks.
We commit to responding within 3 hours — including evenings and weekends. We’re open 8am–8pm on weekdays and available for weekend appointments.
Rather than spreading thin across 50+ lenders, we maintain deep relationships with a curated panel of major lenders. This means faster processing, better negotiation leverage and access to products not available direct.
Our clients consistently highlight our proactive communication, personal attention and willingness to go beyond settlement. We follow up at 6 and 12 months to ensure your loan still works for you.
Our service is completely free to you. We’re paid a commission by the lender when your loan settles. Under Australian Credit Licence obligations, we’re legally required to act in your best interest — not the lender’s.
AFMS director Andrew Hadjidemetri was ranked in the Top 10 AFG Mortgage Brokers nationally and Top 5 in NSW. We also received the 2025 MFAA Customer Service Award.
CLIENT TESTIMONIALS
Our founder and director, Andrew Hadjidemetri, has over a decade of experience in the finance industry. When you partner with AFMS, you are choosing a licensed and passionate professional with deep knowledge of finance and the Sydney property market:
HOW DOES IT WORK?
We’ll discuss your situation, goals and timeline. No documents needed at this stage — just a conversation to understand what you’re trying to achieve. Andrew will give you an honest assessment of your options and whether AFMS is the right fit.
If you decide to proceed, we’ll send you a simple document checklist and start assessing your borrowing capacity. Andrew will map out a loan strategy tailored to your circumstances — not a one-size-fits-all recommendation.
We compare products across our panel of 40+ lenders and negotiate the best rate and structure for your situation. You’ll receive a clear comparison so you can see exactly why we’re recommending a particular lender.
We handle all paperwork and liaise directly with the lender. Most pre-approvals come through within 1–3 business days, giving you the confidence to make offers.
Once you’ve found your property, we push for formal approval and coordinate with solicitors and conveyancers to ensure a smooth settlement. Full approvals typically take 4–8 weeks depending on the lender and loan type.
Our service doesn’t end at settlement. We check in at 6 and 12 months to review your rate, assess whether your loan still fits your goals and renegotiate if a better deal is available.
Our home loan consultations are completely free, so you can kick off your home-buying journey with ease. Discuss your financial situation and property ownership goals and gain tailored, expert advice to help you navigate the complexities of the home loan process.
With zero obligation to use our services, our flexible consultations are designed to bring you peace of mind. If you decide to use AFMS for your home loan search, you gain a simplified onboarding process, specialised advice and personal care and check-ins up to 12 months after purchase.
Use our interest-ing calculators to see your upfront costs, borrowing capacity and repayments.
READ THROUGH OUR MOST
Our deep financial and mortgage broker expertise allows us to find personal solutions for every type of home buyer, including:
AFMS brokers can save you time by doing most of the legwork for you. We compare loans from over 30 lenders, negotiate rates and structures and guide you through the paperwork and pre-approval process. By leaning on our experience and expertise, you can gain confidence in your application and avoid a lot of back and forth with the bank.
No, you don’t need to prepare your documents before speaking with us. Our first consultations are obligation-free. If you decide to go ahead, we provide an easy document checklist and a smooth onboarding process to kickstart every assessment.
Depending on the type of loan, your documentation and the lender, we can get an approval within 4-8 weeks. Our super-fast pre-approvals (often in 1-3 days) can help you understand your borrowing power and get a conditional offer so you can start making offers on your dream home.
Yes, AFMS mortgage brokers can help freelancers and self-employed business owners find a home loan that suits them. We simplify the complex loan structures and approval process so your home-buying journey is smooth and hassle-free.
Yes, our top-rated brokers can help landlords refinance a portfolio of properties. With over 10 years of financial experience, we specialise in helping investors navigate complex structures to maximise their investment potential.
Yes, we have access to over 30 lenders to help find a professional package and negotiate rates. We can help lawyers, health care workers, financial specialists and key workers secure a home loan with a competitive rate, lower deposit or LMI waiver.
AFMS Group mortgage brokers are free of charge for consultation. We make money from the commercial relationships we have with lenders.
No. We offer fully flexible consultations — video call, phone, or in person at our Sydney CBD office. Most of our clients complete the entire process remotely.
We check in at 6 and 12 months to review your rate and ensure your loan still suits your goals. If a better deal is available, we’ll renegotiate or refinance on your behalf. Our service doesn’t end at settlement.
No, we do not hide any fees. As an ASIC-listed company, all of our commissions and fees are outlined to you upfront. We don’t charge consultation fees as we make money from the relationships we have with over 30 lenders.
