ABOUT US
We are a mortgage and finance broking team based in Parramatta, working with buyers, owners and investors across Sydney.
WELCOME
A mortgage broker is a credit adviser who works between you and the lenders. We look at your income, your commitments and your plans, work out what is realistically achievable, and then find and arrange a loan that fits it — dealing with the lender's process on your behalf.
Most people come to us because the alternative is opaque. One bank shows you one shelf of products, in language designed for people who already understand it. We compare across a panel, explain the trade-offs in words that mean something, and stay accountable for the recommendation afterwards.
Visayab Financial Services is based in Parramatta and works with clients across Sydney and New South Wales, in person or over a video call, whichever suits you.
OUR APPROACH
Why does a panel matter?
Lenders differ in how they treat overtime, bonuses, casual income, HECS debt and existing commitments. A loan declined at one can be straightforward at another. Breadth of panel turns that from bad luck into a solved problem.
Who will you actually be dealing with?
The person who takes your first call is the person who prepares your application and calls you at settlement. Nothing gets handed to a queue, and you never re-explain your situation to a stranger.
Is the lowest rate the best loan?
Not always. Offset arrangements, split loans, repayment type, fee structures and flexibility to make extra repayments can matter more over the life of a loan than a small difference in the advertised rate.
WHY WE EXIST
Property is the largest transaction in most Australian households, and it is routinely entered into with less advice than a modest share portfolio would attract. People end up in loans that were fine at the time and are quietly wrong three years later.
We started this practice to do the unglamorous part properly: understand the household, structure the debt to match it, and revisit it as circumstances change.
Step 1
We start with a conversation, not an application
Step 2
We work out what you can borrow and what it costs
Step 3
We prepare the application and deal with the lender
Step 4
We stay across the loan long after settlement
The useful part of a broker is not access to a rate. It is someone who can tell you what a lender will do with your particular income before you find out the hard way.
WHO WE WORK WITH
First home buyers trying to work out whether the deposit is enough. Owners wondering whether their rate has quietly drifted. Investors weighing up the next purchase. Self-employed people whose income is perfectly good and simply does not fit a standard template.
What they have in common is limited patience for financial theatre. They want to know what they can borrow, what it costs, and what to do next.
ABOUT BROKERS
A broker assesses your financial position, compares loan options across the lenders they are accredited with, recommends one that suits your circumstances, and then manages the application through to settlement.
The practical value is twofold: comparison across many lenders instead of one, and someone who knows each lender's policies handling the process for you.
Yes. Credit assistance is regulated by the Australian Securities and Investments Commission under the National Consumer Credit Protection Act. A broker must either hold an Australian Credit Licence or be an authorised credit representative of a licensee.
Brokers are also subject to the Best Interests Duty, which requires them to act in the consumer's best interests and prioritise the consumer's interests when providing credit assistance.
For most residential home loans, brokers are paid a commission by the lender once the loan settles, rather than a fee by the borrower. Where a fee does apply — which is more common in complex commercial, development or specialist lending — it is disclosed to you in writing before you commit to anything.
You will receive a Credit Guide setting out how we are paid and who we are accredited with.
A formal loan application involves a credit enquiry, which is recorded on your credit file, and multiple applications in a short period can affect how a lender views you.
Part of a broker's job is to avoid that: we assess your position against lender policy first, so an application is only submitted where there is a reasonable prospect of approval.
It varies with the lender, the complexity of your income and how quickly documents come together. A straightforward pre-approval can move quickly; a self-employed application with several entities takes longer.
We will give you a realistic timeframe for your situation at the start rather than an optimistic one.
MORE ABOUT US
GET IN TOUCH
Would rather talk it through?
(02) 9659 1694The information on this page is general in nature. It has been prepared without taking your objectives, financial situation or needs into account, so it is not personal advice and you should consider whether it is appropriate for you before acting on it.
Any rates, figures or examples shown are indicative only. Lending is subject to approval, and lender eligibility criteria, terms, conditions, fees and charges apply. Talk to us about what your own circumstances allow.
