Mortgage and finance broking
Your first home, your next investment, or a better deal on the loan you already have. I'll show you what's actually available and explain the trade-offs in plain English.
Move the sliders for an indicative repayment.
Estimate only, based on principal and interest repayments at a constant rate. It doesn't account for fees, offset accounts or rate changes, and it isn't an offer of credit. More calculators.
About Afkar
Most brokers can quote you a rate. Fewer can tell you why a lender assessed your income the way it did, and what to do about it.
What I help with
How much can I borrow, what will it cost me, and am I in the right structure? Here's where I do that work.
Variable, fixed or split – compared side by side, with the trade-offs spelled out rather than glossed over.
Deposit, grants, guarantees and LMI, explained once and properly, including what applies in your state.
House and land packages, fixed-price contracts and progress payments. Building works differently from buying.
Structure matters more than the headline rate. We look at how this purchase affects the next one.
If you haven't reviewed your loan in two years, you're likely paying for the privilege.
You don't always need 20%. Family security, government guarantees and low-deposit options, with the risks made clear.
Company income, trusts, ABN income, multiple entities. My accounting background earns its keep here.
Access equity for a purchase, renovation or investment. Borrowing against your home carries real risk, so we plan it carefully.
Government schemes and grants
Eligibility rules, price caps and thresholds differ by state and change regularly. Here's the shape of what exists – we'll check what actually applies to you.
Helps eligible first home buyers purchase with a lower deposit and without paying Lenders Mortgage Insurance.
A shared-equity scheme where the government takes an equity interest in the property while you own and live in it.
Administered separately by each state and territory, so the amount and the eligibility rules depend entirely on where you buy.
Depending on your state, you may be eligible for a full exemption from transfer duty or a significant concession.
Eligibility criteria are set by government, not by us. See all schemes or talk to me about what applies to you.
Islamic home finance
Islamic home finance generally avoids conventional interest and instead uses structures based on co-ownership, leasing or cost-plus arrangements. The exact structure, fees and ownership arrangements vary between providers, and I can help you compare them properly.
How it works
Fifteen minutes on where you are now and where you're trying to get to. No cost, no obligation, no paperwork.
I work out what you can genuinely borrow and what that means in the market you're buying in.
A shortlist of lenders and structures with the trade-offs spelled out, so the decision is yours to make.
I manage the application, chase the lender, and stay in touch afterwards to review it annually.
Just say so when you book. A home loan is the largest commitment most people ever make, and it's worth having that conversation in the language you think in.
Client feedback
I had a fantastic experience with Afkar. He was incredibly professional and knowledgeable. Despite a tight timeline, they managed to get everything approved for us quickly and smoothly. Their clear communication and dedication made the whole process stress free.
I highly recommend Afkar to anyone looking for expert financial assistance.
Chamika KarunanayakaFacebook recommendation · October 2025I was busy working and by the end of the day it was all sorted. Fantastic and positive and friendly communicated. He has done my loan application process within 4 days. Highly recommended. Afkar you are a absolutely legend. Thank you again.
Raveen De SilvaFacebook recommendation · November 2024Afkar was a pleasure to work with! He went above and beyond for us to get the results. So thank you again.
Dilanka PereraFacebook recommendation · November 2024I recently had the pleasure of working with Afkar as my broker, and I couldn't be more satisfied with the experience. Afkar's skills as a broker are truly exceptional.
From the moment we began, he demonstrated a deep understanding of the market and provided invaluable insights that guided me through every step of the process. With my borrowing capacity he has demonstrated me with multiple different lenders who can accept Afkar went above and beyond conducted wide range of searches.
What impressed me the most was his efficiency and speed. Afkar was always prompt in his responses, handled all the paperwork seamlessly, and ensured everything was completed ahead of schedule.
If you're looking for a broker who is knowledgeable, efficient, and dedicated to delivering outstanding service, I highly recommend Afkar.
Major banks, non-banks and specialist providers, through the AFG lender panel – spanning residential, commercial, asset and personal finance.
