Sydney's Trusted Mortgage Broker

Your mortgage broker in Sydney from the very beginning. Helping first home buyers, investors, self employed borrowers, and refinancers get approved fast, and delivering a five-star experience every time.

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$100M+

Loan Value Approved

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99.4%

Loan Approval Rate

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200+

Australians Supported

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ORDE in large blue letters with FINANCIAL in smaller black letters below.

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$100M+

Loan Value Approved

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99.2%

Loan Approval Rate

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200+

Australians Supported

Supporting Everyday Aussies

5.0 Rating from 50+ Reviews

Zac W.

Property Investor

Peter T.

Business Owner & Property Investor

Peter M.

Business Owner, First Home Buyer

Our Core Services

First Home Buyers

Buying your first home is a daunting task that comes with a lot of questions. We break down each government scheme so you know exactly what they are, and which ones you're eligible for.

As a First Home Buyer, you may be eligible for the following:

First Home Guarantee Scheme (5% Deposit Scheme)
Stamp Duty Concessions
First Home Super Saver Scheme
First Home Owner Grants

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Refinancing

If it's been a couple of years since your loan was last reviewed, there's a decent chance it's no longer the best option available.

Refinancing could help you:

Secure a lower interest rate
Access equity in your property for renovations, lifestyle or investment purposes
Consolidate high-interest debts into one repayment
Switch to a loan structure that actually suits you

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Self Employed

Being a business owner often means fluctuating income, business deductions, and optimising for tax minimisation. We understand the reality of being a business owner and know how to get business owners approved.

We help business owners with:

Targeting lenders who actually understand self employed borrowers
Alternative ways to verify business income, outside of tax returns
Low doc and alt doc home loan options

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Investment property representing a growing loan portfolio

Investment Loans

Growing a property portfolio takes more than a good broker, it takes one who's actually done it. Initio Finance is led by someone who has scaled his own investment portfolio and helped dozens of investors do the same.

We help property investors with:

Borrowing capacity across multiple property purchases
Optimal loan structuring for borrowing capacity preservation
Equity release strategy
A lending roadmap built for the future

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Debt Consolidation

We help you bring your debts under control. Credit cards, a car loan, a personal loan, it adds up fast, both in cost and in mental load.

Consolidating your debt could help you:

Reduce your total monthly repayments
Bring multiple debts under one repayment
Simplify your finances into a single structure
Free up cash flow for other goals

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About Initio Finance

A good mortgage broker in Sydney does more than shop around for the lowest rate, they build a strategy around your actual financial position.

Steven founded Initio Finance after years working inside Australia's major banks, seeing firsthand how one lender means one set of policies and one appetite for risk.

That's why Initio Finance compares over 30 lenders, backed by a 99.4% approval rate and more than $100 million in loans settled for over 200 Australians.

Whether you're a first home buyer, refinancing, self employed, or building an investment portfolio, your situation deserves more than a one-size-fits-all product.

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