Buying your first home
Deposit, borrowing power and the government schemes you might qualify for — worked out before you go to an open home.
- What you can actually borrow
- Guarantor and family pledge options
- Pre-approval before you bid
40+ lenders on panel
No cost to you
Sydney based
The right loan, and a straight answer about why.
We are mortgage and finance brokers. We compare the market, tell you plainly which loan suits you and what it will cost, then do the paperwork and chase the lender — so you are not doing it between meetings and school pick-up.
We are paid by the lender when your loan settles, not by you. If a loan is not right for you, we will say so.
40+
Lenders compared, from majors to specialists
$0
Our fee to you on a standard home loan
9
Brokers and support staff, all in Sydney
2016
Looking after the same families since
What we arrange
Finance for the whole of your life, not just the first purchase
Most people meet us for one loan and stay for the next four. Buying, refinancing, investing, or funding a business — it is the same team and the same file.
Refinancing & rate reviews
Coming off a fixed rate, or just quietly paying more than you should? We check what your lender will do before we suggest moving.
- Repricing with your current lender first
- Debt consolidation and restructures
- Cash-out for renovations
Investment lending
Structure matters more than the headline rate once you own more than one property. We plan the portfolio, not just the loan.
- Equity release for the next purchase
- Interest-only and offset structures
- Lender choice for future borrowing
Commercial & asset finance
Vehicles, plant and equipment, commercial premises and working capital — for the businesses our home loan clients run.
- Vehicle and equipment finance
- Commercial property purchases
- Cash flow and working capital
How it works
Five steps, and you always know which one you are on
No mystery, no chasing us for an update. You will get a message when something moves, and you can check the portal any time.
Talk it through
A 30-minute conversation about what you are trying to do, what you earn and what you owe. In person, by phone or online.
We compare
We check what you can borrow across our panel and come back with a short list — with the real cost of each option, not just the rate.
You choose
We explain why we are recommending what we are recommending, in writing. You pick. Then we collect the documents through the portal.
We lodge and chase
We package the application properly the first time, then handle the lender's questions, the valuation and the conditions.
Settlement, then reviews
We coordinate with your solicitor to settlement — and then check your rate every year, before you have to ask.
Why a broker, and why us
We work for you. The lender pays us, but they do not choose for us.
A bank can only offer you what a bank has. We are obliged to act in your best interests, and to be able to show why the loan we recommended was the right one for you — so we write it down and give you a copy.
- You see the options, not just the answer More than one choice, with the fees, the repayments and the total cost side by side.
- We tell you when to stay put If your current lender will match it, refinancing costs you money and earns us nothing. We will say so.
- One team, one file, for years Your details, documents and history are already with us next time — you are not starting again.
- We chase, you do not Valuations, conditions and the lender's questions are our job. You get an update, not a task.
Start online
Tell us what you need, and we will come back the same business day
Every enquiry lands with a real broker, not a call centre. Nothing you send here affects your credit score.
About 3 minutes
Home loan enquiry
Buying, or thinking about it. Tell us roughly what you earn, what you owe and what you are looking for, and we will come back with what you can borrow.
About 2 minutes
Free rate review
Already have a loan. Send us your lender, balance and current rate and we will tell you whether you are paying too much — and whether it is worth moving.
About 2 minutes
Refer a client
For agents, accountants and buyers agents. Send the referral through and you will get a confirmation, then updates as it progresses to settlement.
Portals
Already working with us? Everything is in one place.
Secure sign-in for clients and referral partners. You only ever see your own file.
Client portal
Track your application from enquiry to settlement, and send us what we need without digging through email.
- See exactly which stage your loan is at
- Upload payslips and statements securely
- See what is still outstanding, in one list
- Find your loan details and review date
Partner portal
For agents, accountants and buyers agents who send us work — see what happened to every referral you have made.
- Submit and track referrals
- See progress without ringing us
- Settlement outcomes by month
- Your co-branded materials
Trouble signing in? Call (02) 8000 0000 or email hello@acmefs.com.au and we will sort it out.
For referral partners
Send us a client and you will actually hear what happened
Most brokers take the referral and go quiet. We give you a portal, a named contact and an update at every stage — because your client is still your client.
- Same-day contact Your client is called the day the referral lands, and you are told when it happens.
- Progress you can see Pre-approval, approval and settlement, visible in your portal without chasing anyone.
- Co-branded material Flyers and calculators with your branding alongside ours, for your listings and newsletters.
About us
A small Sydney brokerage that answers the phone
ACME Financial Services has been arranging home and business finance from Parramatta since 2016. There are nine of us. You will have one broker who knows your file, and a support team who knows it too when your broker is with a client.
- How we are paid The lender pays us a commission when your loan settles, and a smaller ongoing amount while it stays open. We will tell you what we are paid before you apply.
- What we are obliged to do Act in your best interests, consider the cost of the options, and put the reasons for our recommendation in writing.
- What we are not We are not a bank and we do not lend our own money. We arrange finance from lenders on our panel.
Contact
Talk to a broker
Call us, email us, or send an enquiry and we will call you. If you are mid-application, the portal is usually faster.
Phone
Email
Office
Suite 12, 45 Phillip Street
Parramatta NSW 2150
Parramatta NSW 2150
Hours
Monday to Friday, 8.30am – 5.30pm
Evenings and Saturdays by appointment
Evenings and Saturdays by appointment