Sydney mortgage broker helping first home buyers get into the property market.
less bank talk,
MORE STRAIGHT TALK.
Hi, I’m Rachel, founder of Lifted Finance and a Sydney-based mortgage broker helping first-home buyers, property investors and homeowners make confident decisions about their property and finances.
I make home loans easier to understand by cutting through the jargon, explaining your options and helping you work out what makes sense for your situation.
With access to over 60 lenders, I’ll compare your options and guide you through the process, from understanding your borrowing capacity to securing a home loan that fits your needs and goals.
Your best interests at heart. Less bank talk, more straight talk.
50+ lenders to compare
Compare more,
choose with confidence.
60+ lenders to compare
how WE HELP
Home Loan Support at Every Stage.
First Home Buyers
Think you need a 20% deposit to buy your first home? Not necessarily.
Not sure how pre-approval works, what grants you might be eligible for, or where to even start? You’re not alone.
At Lifted Finance, we help first-home buyers understand their borrowing power, explore their options and navigate the home loan process, so they can move forward with more clarity and confidence.
Rentvesting
Love where you live, but can’t afford to buy there? You don’t necessarily have to choose.
Rentvesting lets you buy an investment property in an area you can afford while continuing to rent where you want to live.
At Lifted Finance, we’ll look at your borrowing power, compare your loan options and help you understand how rentvesting could fit into your property goals.
Refinancing & Loan Restructuring
Haven’t reviewed your home loan in a while? It might be worth seeing what else is out there.
Whether you want to reduce your repayments, consolidate debt or access equity to help fund your next move, we’ll compare options across 50+ lenders and help you work out what makes sense for your situation.
Ready for more space, or thinking about downsizing?
Whether you’re upsizing for a growing family, moving to a new area or downsizing to free up some cash, there’s more to consider than just buying or selling. We’ll look at your borrowing power, compare your loan options and help you understand how to make your next move work financially.
Consultation
Looking to buy, refinance, or figure out what your options are?
Let’s make sense of your options together. No judgment, no unnecessary jargon, just honest advice to help you make informed decisions.
Your best interests at heart. Less bank talk, more straight talk.
Let’s make sense of your options together. No judgment, no unnecessary jargon, just honest advice to help you make informed decisions.
Your best interests at heart. Less bank talk, more straight talk.
FAQs
What does a mortgage broker do?
Instead of going to one bank and trying to figure everything out yourself, you work with me. I compare home loan options across 50+ lenders to find what fits your situation, explain the costs and help you understand whether you could be eligible for government schemes or ways to reduce costs. I don’t just help you choose a loan. I guide you through the application process all the way to settlement, so you have someone in your corner from start to finish.
Is using a mortgage broker really free?
Yep! My time and advice won’t cost you a cent. So how do I get paid? The lender pays me a commission when your loan settles. You don’t pay me directly, and using a broker doesn’t mean you’ll pay more.
I’m also legally required to act in your best interests (BID), which means that means I must prioritise what’s right for you when recommending a home loan, not what’s best for me. Banks don’t have that same legal obligation when selling their own home loan products. That’s why I compare options across different lenders to help you find a loan that fits your situation and goals.
Do I need a 20% deposit?
Not necessarily. Plenty of first-home buyers can get into the market with less. It comes down to your income, your deposit, your goals and the loan options available to you.
Can you help me access Government Schemes?
There are grants and government schemes that could help you get into your first home, but figuring out what you qualify for can be confusing. We’ll look at what’s available, check your eligibility and help you understand which options could work for you.
When should I apply for a pre-approval?
Once we’ve worked out your budget and you have an idea of when you want to buy, we can look at getting pre-approval sorted. It gives you a clearer idea of what you can spend and helps you shop around with more confidence, knowing where you stand before you make an offer.
Is rentvesting actually a good idea?
It can be. You could buy a property in an area you can afford while renting somewhere you actually want to live. Over time, your investment may grow in value and build equity. But it’s important to understand the numbers, the costs and whether the strategy makes sense for your situation.
How do I know when it’s time to refinance?
If you haven’t reviewed your home loan in the last couple of years, it could be worth a closer look. We’ll compare your current loan with other options, taking into account interest rates, fees and any costs involved, so you can see whether switching lenders or renegotiating your existing loan makes financial sense.