Who We Are and the Functions That Define Us

APW Finance Pty Ltd has more than ten years of experience in the financial industry and responsibly leverages its strategic partnerships to always offer you the finest products and services, no matter your situation or position.

With years of expertise in the financial and real estate services sectors, our dynamic group of Principal Mortgage Advisors offer a variety of financial solutions and guidance that are specially designed to meet the demands of our clientele.

We can assist you whether you’re looking to purchase your first home, your next home, or a used automobile. You will speak with an experienced principal mortgage advisor since we understand that achieving the best results requires a broker with the ability to assist in offering the finest recommendations.

What do we do?

Our Values and Vision

Honesty and integrity are the cornerstones of the service we offer to our clients at APW Finance. We honour our obligations and uphold our promises, keeping your informed every step of the way.

By offering an incredible mortgage experience, we aim to help improve the lives of our customers and the communities in which they live. 

Our vision of improving lives encourages us to strive toward our values. We pride ourselves on innovative solutions, doing the right thing, and offering quality services. We do this with dedication and a continued passion to always strive for the best.

Accredited Lenders
Why Choose us

How is a Mortgage Broker Different from a Lender?

A broker doesn't impact your credit score.

A key factor in getting a mortgage is your credit score. A credit check is performed when you apply for a loan directly with a lender; this inquiry is noted in the borrower’s credit file. Your score could be negatively impacted by several inquiries. On the other hand, mortgage brokers’ inspections don’t leave a trace because they aren’t marked as inquiries. Therefore, employing a broker will ensure that there is no influence on your credit score while you are conducting research and considering your options.

A mortgage broker can ease your loan application process.

Mortgage brokers are significantly more accommodating in terms of work hours and are
frequently available to meet when and where it is most convenient for you. They also give you access to a variety of products at one time. A mortgage broker can help borrowers navigate the home loan process to make it simpler and less stressful for them. The likelihood of the borrower receiving a mortgage can also be improved.

A mortgage broker negotiates on your behalf.

The finest mortgage broker will be familiar with lending banks. The majority of banks actually do negotiate certain loan terms. However, the items that different banks will compromise on for mortgages can vary.

But when you work with a broker, you are able to obtain better terms for any specific loan than you could on your own.

A mortgage broker comes with expertise.

A mortgage broker can handle the process and solve any issues that arise during the home or any other loan application process for the borrower. A mortgage broker can help borrowers locate competitive loans that they are more likely to be approved for, for instance, if they have credit problems, are self-employed, or don’t meet the ideal borrower’s profile for several reasons.

A mortgage broker is a reliable financial advisor.

Most first-time homebuyers overestimate their ability to pay for a home. They might fail to consider things like taxes, rushed improvements, or upkeep expenses.

A mortgage broker can act as a voice of reason for you. They can review your financial data and provide you with a straightforward appraisal of what you can actually afford. To assist you in finding the ideal home, they might even put you in touch with a real estate agent.

A mortgage broker saves you precious time.

The market for mortgage loans is rather cutthroat. There are numerous lenders out there that provide appealing lending programmes and various loan types. Finding the ideal credit can take a lot of effort because of how competitive the market is.

Your queries can be addressed by a mortgage broker when you deal with them in order to help you narrow down your options and choose the mortgage that is best for you. This improves the time required to consider your options and select the right loan.

A mortgage broker assists you with pre-qualification.

All borrowers should be aware that any time a lender rejects a loan and leaves a record on a borrowers credit history, this could have negative implications.

Mortgage brokers utilise specialised software to acquire loan information from multiple lenders and compare it to the borrowers’ unique circumstances. This provides us with insight on how much the applicant can afford to borrow and which lenders are likely to be prepared to loan the borrower the money. This makes it easier for borrowers to find lenders willing to consider their loan requests and lowers the likelihood that their loan application will be denied.

A mortgage broker saves you thousands of dollars.

Mortgage brokers can assist borrowers in locating the most cost-effective loan because they have good relationships with numerous lenders and access to a variety of home loans. The mortgage lenders will assess the loan’s actual cost after taking loan fees, charges, and other expenses into consideration rather than just directing you toward the loan with the lowest interest rate.

A mortgage broker will advise a borrower of any changes during the loan process and inform them if there will be additional fees in case the loan is repaid early or if there will be any upfront expenditures, such as establishment fees.


How can we help


    +61 447 959 546


    38 Curtis Rd, North Kellyville NSW 2155, Australia

    Contact Us