The right loan, from 50+ lenders, with someone who actually listens.
FinAus is a Sydney mortgage broker built on senior banking experience and direct access. You deal with Director Pankaj Angrish from the first call through to settlement. No fees. No call centres. Just the right loan, structured properly.
"I have relied on Pankaj's advice now for over 7 years. He is always responsive and isn't afraid to work hard to put everything together quickly to secure the right loan."
Saving and strategy. Connect and partner. Monitor and growth.
Three principles that shape how we work with every borrower, from your first conversation through to long after settlement.
Saving and Strategy
Understanding needs and working on a growth plan tailored for each individual case.
Connect and Partner
Building the connections that support the next stage. Because if you want to go fast, go alone. If you want to go far, go together.
Monitor and Growth
Helping manage changes in product and services for our client's financial gain.
At FinAus, we're ready to put our knowledge and experience to work for you.
Experience has taught us how to build strong professional relationships that are critical to your growth and success.
How we achieve this is by perceiving and understanding your needs, along with the areas where interests combine. Consequently, you will benefit through us creating the recipe for success that is right for you.
A family-owned brokerage with institutional banking depth.
Why thousands of borrowers across Sydney choose FinAus over their local bank branch.
$0 for You
No cost and no obligation. You will never pay a single dollar for our services. We are paid by the lender after settlement.
Lenders to Negotiate
We deal with almost all major banks, along with building societies, credit unions and specialised lenders. Our panel relationships let us negotiate sharper rates based on the strength of your application.
Years of Experience
Almost two decades of credit lending experience. We are committed to helping customers with unusual circumstances that traditional banks may turn away.
Tailored Solutions
A holistic approach to your financial situation and long-term goals. We look at your full picture, your future plans and the lenders most suited to your scenario.
Local, Family-Owned
We are not a bank. We are a small business based in your local community with a human face and values. No shareholders to answer to.
$0 LMI 100% Finance
Eligible professionals such as doctors and lawyers may qualify for 100% finance with no LMI. Other borrowers may secure 90% to 95% LVR loans without LMI through scheme or package eligibility.
Best Interests Duty
Our FBAA membership upholds professional standards in the mortgage broking industry, while our AFCA membership protects you as a consumer. By law, we work in your best interest.
Partner for Life
Residential, commercial and asset finance for individuals and businesses. We help you qualify for any property type anywhere in Australia, so you never have to look elsewhere again.
Every loan type. One specialist team.
From your first home purchase to commercial property through your SMSF, we have the lender access and the experience to support every stage. Click through to each service for full details.
First Home Buyer Loans
FHOG, First Home Guarantee, stamp duty concessions, guarantor pathways and Family Home Guarantee, all explained.
RefinanceRefinancing
Reduce your rate, lower repayments, release equity or consolidate higher-interest debts.
Equity ReleaseEquity Loans
Access your home's equity for your next investment, debt consolidation or major life goals.
Build & RenovateRenovation Loans
Equity release, construction-style draw-downs or top-ups for kitchens, extensions, granny flats.
TrustTrust Loans
Lending through discretionary trusts, family trusts and unit trusts with specialist lender access.
MultilingualHindi & Punjabi Service
Full home loan service in English, Hindi and Punjabi for the South Asian community.
Not Sure?Speak to a Specialist
Book a free, no-obligation strategy session. We will identify the right path for your situation.
$0 LMI with 100% finance for eligible professionals.
Doctors, accountants, lawyers and other professional roles may qualify for premium packages with no Lenders Mortgage Insurance, special interest rate discounts and waived fees, even at higher LVRs.
Check Your Eligibility →Direct access to a Director who has spent two decades inside the banks.
At FinAus, borrowers have direct access to Director Pankaj Angrish and his experienced team. With over 15 years of experience in the banking and finance industry, including senior positions at Commonwealth Bank, Pankaj brings a wealth of knowledge and expertise to the table.
Having worked in various locations throughout Sydney, including Martin Place, Parramatta, Castle Hill and Penrith, Pankaj has developed a detailed understanding of the local market. This local knowledge is invaluable when it comes to securing a home loan tailored to a borrower's individual circumstances and long-term goals.
Pankaj's experience as a Senior Relationship Manager in CBA Premier Banking, where he managed clients of high net worth, is an asset that sets him apart as a leading mortgage broker in Australia. His experience working with specialists from Commsec, CommInsure, Private Banking and Corporate Banking has given him a deep understanding of how financial success can be achieved by working as a team.
His passion for property and his extensive experience in the industry have enabled him to assist hundreds of clients in fulfilling their dreams of purchasing their first home, upgrading, building property investment portfolios and maximising their wealth. His track record speaks for itself: five-time CBA Diamond Lender and three consecutive years as a CBA Elite Broker.
From first call to settlement, and beyond.
A seven-step process designed to remove uncertainty at every stage, and to make sure your loan keeps working for you long after settlement.
Strategy Session
We meet by phone, video or in person to understand your goals, deposit, income and timeline. Free and no obligation.
Borrowing Power
We model your capacity across multiple lenders. Variance for the same applicant can exceed $100,000.
Document Prep
A clear, tailored checklist. We help you present your application in the strongest possible way.
Pre-Approval
Lodged with the most suitable lender. A clear price ceiling and confidence to negotiate.
Property Selection
Upfront valuations, postcode policy checks and property suitability before you sign contracts.
Formal Approval
We manage valuation, loan documents and conditions, and coordinate with your conveyancer.
Settlement & Reviews
We confirm settlement and review your loan annually so you never pay the "loyalty tax".
Start with Step 1
Book your free strategy session today. No fee. No obligation. Just clarity.
Book Now →We want to share our client's success stories.
"Pankaj from FinAus was knowledgeable, professional, and fought for our settlement. We are glad he is on our side and highly recommend him."
"FinAus is the most customer oriented firm that I have EVER worked with. They provide the best deal for the customer, very professional and are always available to provide the best advice with quick results. HIGHLY RECOMMENDED!"
"We received Pankaj's reference from a close friend and initiated our first conversation about our PPOR. Pankaj is very responsive and even answers queries over the weekends. The entire process went smoothly."
"Pankaj provided excellent advice, timely follow-up and careful preparation for my home loan refinance. He really cares about his clients and about doing the best for them."
"Great service and very good communication. A big thanks to Mr. Pankaj Angrish for going above and beyond to find me the best deal on my home loan."
"Thank you very much Pankaj for all your patience and ability listening client's silly questions! You have helped a lot to get one step closer to our dream house. Really have never regretted to have business with you last 8 years!"
From Penrith to Camden. Local knowledge, every postcode.
Specialist mortgage broking across the Penrith to Blacktown corridor, the North-West growth corridor and the South-Western Sydney growth belt. Click through to your suburb for local market insights and lender knowledge tailored to your area.
Western Sydney
North-West & The Hills
South-Western Sydney
Macarthur Region
Also servicing borrowers Australia-wide by phone and video consultation.
Free upfront valuations and credit reports.
Access to this information before lodgement gives you a clear indication of how much the bank will allow you to borrow, and how to overcome any barriers to home loan approval.
The right loan starts with one conversation.
In your first session, you receive a clear view of your borrowing power, the lenders most suited to your scenario, the schemes and packages you qualify for, and the path forward. No cost. No obligation. No pressure.
