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About Finance Design

Find a Competitive Mortgage for your Dream Property

With over 20 years of experience in the mortgage industry, Finance Design has become a trusted name for those seeking hassle-free home loans. Our team of seasoned mortgage brokers takes great pride in making the loan process simple and straightforward for our clients.

We work with an extensive panel of over 40 banks and lenders, giving you access to a wide range of competitive home loan products. Our deep relationships with these financial institutions allow us to negotiate the best possible rates and terms on your behalf.

Much more than home loans

It’s all about you. We understand that securing a mortgage can be daunting, which is why we take the time to understand your unique circumstances and financial goals. Our brokers will guide you through every step, ensuring you make informed decisions and feel confident throughout the process.

Best of all, our services come at no cost to you. Finance Design is compensated by the lenders, making our expertise accessible to everyone seeking a seamless mortgage experience.

Whether you’re a first-time homebuyer, refinancing, or an investor, we are committed to supporting you to find the right mortgage solution.

Our Process

We value and encourage transparency and open communication. Our brokers are always available to answer your questions and address any concerns, ensuring you have a clear understanding of the process from start to finish.

At Finance Design, we follow a proven process to ensure a seamless and efficient mortgage experience for our clients:

Initial Consultation

During our initial meeting, we’ll take the time to understand you, your financial goals, and preferences. This allows us to tailor our approach and provide personalised recommendations.

Needs Analysis

Based on the information gathered, our brokers will conduct a comprehensive needs analysis, taking into account factors such as your income, expenses, credit history, and borrowing capacity. This step helps us identify the most suitable loan options for your situation.

Product Selection

With access to our extensive panel of lenders, we’ll present you with a range of competitive home loan products that align with your needs. Our brokers will explain the features, rates, and terms of each option, empowering you to make an informed decision.

Application Process

Once you’ve selected the preferred loan, we’ll handle the entire application process on your behalf. Our team will gather the necessary documentation, liaise with the lender, and ensure a smooth and efficient approval process.

Settlement

As settlement day approaches, we’ll keep you informed every step of the way. Our brokers will coordinate with all parties involved, including the lender, real estate agents, and conveyancers, to ensure a hassle-free settlement.

Ongoing Support

Our relationship doesn’t end at settlement. We’ll continue to support you throughout the life of your loan, providing guidance on refinancing opportunities, investment strategies, or any other mortgage-related matters that may arise.

Meet the Team

At Finance Design, our team is our greatest asset. Nick and Scott, along with our entire team, are passionate about helping clients navigate the complexities of the mortgage process with ease. Their combined expertise, coupled with our extensive lender panel and commitment to transparency, ensures that you receive the best possible outcome for your home loan needs.

Nick Hayton

Senior Mortgage Broker

With over 20 years of experience in the mortgage industry, Nick is a true veteran in the field. His wealth of knowledge and expertise is unparalleled, making him a trusted advisor for clients seeking a seamless home loan experience. Nick’s commitment to excellence has earned him numerous accolades, including multiple industry awards for his outstanding performance.

Scott McPherson

Mortgage Broker

Scott brings a wealth of knowledge from his years of successfully running his own businesses. His entrepreneurial background has equipped him with a keen eye for detail, exceptional problem-solving skills, and a deep understanding of what it takes to deliver outstanding customer service. Scott’s fresh perspective and unwavering dedication ensure that clients receive personalized attention and innovative solutions.

Our Services

Refinance Now

Is your fixed-rate mortgage about to expire? Are you concerned about high mortgage rates? Or do you simply feel that you’re paying too much to your current lender? If any of these scenarios resonate with you, it might be time to consider refinancing.

Investment Loans

Building a successful investment property portfolio is a strategic endeavor that requires careful planning and expert guidance. There are unique challenges and considerations that come with securing financing for investment properties.

SMSF Lending

We understand the unique complexities and regulations surrounding Self-Managed Super Fund (SMSF) lending. Our team has in-depth knowledge of the SMSF lending landscape, ensuring that you can leverage your superannuation funds to build a diversified investment portfolio while adhering to all legal requirements.

First Home Buyers

Purchasing your first home is an exciting milestone, but it can also be an overwhelming and intimidating process. Our team is aware of the unique challenges and concerns that first-time homebuyers face, and we’re here to guide you every step of the way. We’ll leverage our extensive lender panel to find the most competitive rates and favorable terms, ensuring that your dream of homeownership becomes a reality.

Second and Third Homes

Whether you’re seeking a holiday home, an investment property, downsizing or a larger home for your growing family, purchasing a second or third home can be an exciting endeavor. We’ll collaborate with your accountants, financial advisors, and legal professionals to ensure that your investments are structured efficiently and in compliance with all relevant regulations.

Self-Employed

Securing a home loan when you’re self-employed can be a unique challenge. Lenders often have stringent requirements and documentation requests, making the process more complex than it is for traditional borrowers. Our team has extensive knowledge of the lending criteria and income verification requirements specific to self-employed borrowers. We’ll work closely with you to understand the nature of your business, your income streams, and your overall financial situation, ensuring that we present your application in the most favorable light.

Frequently Asked Questions

A mortgage broker is a qualified professional who acts as an intermediary between borrowers and lenders. Their role is to guide you through the home loan process, identify suitable loan products based on your circumstances, and assist with the application and approval process.

Working with a mortgage broker offers several advantages, including access to a wide range of lenders and loan products and understanding which lenders credit policies you fit within, to ensure the best chance of an approval, personalised advice and guidance, time savings, and ongoing support throughout the life of your loan.

The amount you can borrow depends on several factors, including your income, expenses, credit history, and the value of the property you wish to purchase. Our brokers will conduct a detailed assessment of your financial situation to determine your borrowing capacity and provide you with an accurate estimate.

To accurately assess your eligibility and borrowing capacity, our brokers will typically require documentation such as proof of income (pay slips, tax returns, business financials if self-employed), identification documents, details of existing debts and expenses, and information about the property you wish to purchase.

Our services are free to you, the borrower. We receive commissions from the lenders we work with, ensuring our expertise comes at no additional cost to you.

Absolutely. Our team has extensive experience in assisting self-employed individuals, as well as those with unique financial circumstances. We understand the specific documentation requirements and lending criteria, and we’ll work closely with you to present your application in the most favorable light.

We have access to a diverse range of home loan products, including owner-occupier loans, investment loans, interest-only loans, fixed-rate loans, and more. Our brokers will recommend the most suitable option based on your specific needs and goals.

Yes, we specialise in assisting clients with refinancing their existing home loans. Whether you’re seeking a lower interest rate, accessing equity for investment purposes, or consolidating debt, our brokers will guide you through the process and ensure you secure the best possible terms.

The timeframe can vary depending on individual circumstances and the capacity of the lender we’re working with, but typically, the process takes 4-8 weeks from the initial consultation to settlement. We work diligently to ensure a smooth and efficient process, keeping you informed every step of the way.

Absolutely. Our relationship with you doesn’t end at settlement. We’ll continue to provide guidance and support throughout the life of your loan, keeping you informed about potential refinancing opportunities, market trends, and strategies to optimise your financial position.

Let’s Chat

With offices on the Mornington Peninsula Victoria, and Sunshine Coast Queensland, we’re here to unlock your path to property investment and guide you every step of the way.

Nick Hayton

Mornington Peninsula

Diploma of Finance & Mortgage Broking

Cert. IV Finance & Mortgage Broking

Mortgage & Finance Association Australia – 16691

Australian Financial Complaints Authority – 51340

Scott McPherson

Sunshine Coast

Diploma of Finance & Mortgage Broking

Cert. IV Finance & Mortgage Broking

Mortgage & Finance Association Australia – 331332

Australian Financial Complaints Authority – 101983