strategy.
Before a loan, a plan.
Every engagement opens with a complimentary Lending Strategy Session — ninety minutes devoted entirely to your goals.
No. 01 — Strategy first
Building your financial future
A mortgage isn't a debt obligation. It's a tool — and how it's built decides whether your next decade is easier or harder.
For you, specifically
I need help with…
Pick the situation that fits you — we'll show you where to start.
500+ families helped
Avg. $11k saved per refinance
Portfolio lending across 40+ lenders
for first home buyers.
Borrowing Capacity
→See exactly what you can borrow before you fall in love with a house.
Deposit Strategy
→Low-deposit options, First Home Guarantee, LMI explained.
Pre-approval to Settlement
→We quarterback the whole process with your conveyancer and lender.
for refinancers.
Rate Review
→We benchmark your loan against 40+ lenders — no cost, no obligation.
Cashback & Offers
→Up-to-date switching incentives worth thousands.
Debt Consolidation
→Fold credit-card and personal debt into your mortgage at a far lower rate.
More than just a pretty rate®
By the numbers
Boutique by choice.
Boutique by choice.
National by reach.
Sydney-based, seven brokers, forty-plus lenders. Small enough to know you. Big enough to move.
$2.4B +
Total lent since 2004
4.9★
Google rating · 500+ reviews
How it works
Four elements. One outcome.
Inside every Financial Elements engagement there is the same four-part sequence. We never skip steps. We never re-order them.
- 01strategy.Session
- 02structure.Modelling
- 03solutions.Lender match
- 04support.Annual review
Stage 01 / 04FE Method
structure.
The part that compounds.
Offset, redraw, split, fixed, variable — structure is the part that compounds for or against you. We model fourteen.
solutions.
The right one. Not the loudest.
A careful match across forty-plus lenders for the strategy and structure already agreed. We negotiate the rate and the small print.
support.
Reviewed yearly. Always.
A relationship, reviewed annually — rate, structure, product. Most brokers vanish on settlement. We schedule the next twelve.
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“Their expertise and service was exceptional. From the initial consultation to securing the mortgage, their professionalism and knowledge made the process smooth and stress-free. I would highly recommend their services to anyone seeking a mortgage broker. Thank you Jaison and the team for their outstanding work!”
— Ace Evangelista (5 out of 5 stars)
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“I was assisted by Jaison who helped me through the full process of purchasing my first property. Even with my lack of knowledge, he educated me and made sure I understood each step. I am very pleased with how everything has turned out and I would highly recommend Jaison and the team!”
— Holly Fulton (5 out of 5 stars)
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“Cannot recommend Financial Elements enough! Jaison and his team go above and beyond to service their customers. They are transparent throughout the entire process, prioritising what's best suited to the customer and getting results. Look forward to dealing with them again in the future.”
— Bob Bob (5 out of 5 stars)
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“I was referred to Nicole by a close friend and from day one with the starting process of buying my first property to the day of settlement she has been nothing but excellent and helpful with every little question I had. Would recommend and use again.”
— Christian Milewski (5 out of 5 stars)
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“I have worked with Nicole on mortgage products a couple of times now and I will continue to come back in the future! Nicole is always wonderful to work with. Incredibly knowledgeable, always friendly and professional and it's clear she always keeps her clients' needs at the heart of everything she does. Highly recommend!”
— Laura Sluga (5 out of 5 stars)
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“We can't speak highly enough of Natalie's expertise and service as a mortgage broker. She has guided us through the purchase of our primary residence, not one, but two separate investment properties, and recently secured a loan for our third! Natalie's professionalism is exceptional. She is incredibly knowledgeable about the mortgage market and keeps us informed throughout the entire process. We feel confident in her guidance and appreciate her ability to explain complex financial matters in a clear and concise way.”
— Dino Pelaez (5 out of 5 stars)
FAQs
clear answers,
clear answers,
full transparency.
Everything you need to know about working with Financial Elements — clear, simple, and transparent.
Most lenders require a minimum deposit of 5% to 20% of the property’s purchase price. With a deposit of less than 20%, you may need to pay Lenders Mortgage Insurance (LMI), which protects the lender in case of default. However, government programs like the First Home Guarantee allow eligible buyers to purchase with as little as 5% deposit without paying LMI.
Lenders Mortgage Insurance (LMI) is a one-off insurance premium that protects the lender if you default on your home loan. It is typically required when your deposit is less than 20% of the property value. LMI can be paid upfront or capitalised into your loan. The cost varies depending on the loan amount and your deposit size.
You should consider refinancing when your current fixed rate period is ending, when interest rates have dropped significantly since you took out your loan, or when your financial situation has changed and you need to adjust your repayments. It is also a good time to refinance if you want to access equity for renovations, investments, or debt consolidation.
The refinancing process typically takes between two to four weeks from application to settlement, depending on the complexity of your situation and the lender’s processing times. Our team handles the majority of the paperwork and coordinates with both your existing and new lender to make the transition as smooth as possible.
No, our services are completely free of charge to you. As mortgage brokers, we are paid a commission by the lender when your loan settles. This means you receive expert advice, access to a wide panel of lenders, and ongoing support at no cost. Our goal is to find you the best deal, not charge you for it.
Getting started is easy. Simply contact us via our website, phone, or email to book a free consultation. During this initial meeting, we will discuss your goals, assess your financial situation, and outline the best lending options available to you. From there, we handle the application process and keep you informed every step of the way.
40+ lenders. One Lending Strategy Session.
Ready when you are
Ready to start?
Ready to start?
Let's chat.
Book a complimentary Lending Strategy Session. We'll spend ninety minutes on your goals, your structure, and what good actually looks like for your decade.