Mortgage & Finance Broker
More options. Better advice. Finance built around you.
Buying, refinancing or funding your business? Answer a few quick questions and we'll compare options across a panel of 40+ lenders, then contact you with a plan.
- MFAA accredited broker
- 40+ lenders compared
- No broker fee on home loans
On our lender panel
One broker for your home, your investments and your business
Refinancing
Lower your repayments, release equity for a renovation, or roll debts into one loan.
Refinancing options →First home buyers
Pre-approval, grants and the 5% Deposit Scheme explained in plain English, right through to getting the keys.
First home guide →Owner occupier home loans
Fixed, variable or split. We match the loan and its features to how you live.
Home loan options →Investment home loans
The right lender and, just as important, the right structure to keep your portfolio growing.
Investment loans →Asset & equipment finance
Cars, utes, trucks, machinery and technology, financed to suit your cash flow.
Asset finance →Business loans
Commercial property, expansion, new projects and working capital.
Business lending →Three steps from first chat to settlement
Chat and assessment
We talk through what you're after, where you are financially and where you want to get to. Then we tell you exactly which documents we need and assess your position.
Choose your loan
We compare rates and features across our panel of 40+ lenders and bring you a short list of recommended options, with time to ask every question you have.
Approval to settlement
We prepare and lodge your application with the lender you choose, keep you updated along the way, and stay with you until your loan settles.
Bank experience, on your side of the table
Azendo Finance was founded by a broker with more than 10 years inside Australian banks, including Commonwealth Bank, Macquarie Bank and Westpac. We know how lenders assess an application, and we use that to get yours right the first time.
We're accredited with the Mortgage & Finance Association of Australia and compare a panel of 40+ lenders across home loans, commercial finance and asset finance.
What our clients say
Good to know before we talk
Do you charge for your home loan services?
No. You don't pay us anything. As your mortgage broker we are paid by the lender you choose.
How much can I borrow?
Every lender works it out differently. They look at your household income, existing credit commitments, living expenses and dependants, and each has its own rules for different types of employment. A quick assessment will give you a real answer for your situation.
Should I get a pre-approval?
Yes, especially if you're unsure how much you can borrow, your income varies or you're self-employed. It gives you a clear budget and confidence when you start looking.
Home loan refinancing
Refinancing can cut your repayments, shorten your loan or free up equity for what's next. We check whether it genuinely stacks up for you before you change anything.
See what you could save
Estimated saving each month
$0
- Repayment now
- $0
- Repayment at the new rate
- $0
- Saving each year
- $0
Why people refinance
- Lower monthly repayments. Move to a sharper rate or a loan that fits your budget better.
- A better interest rate. Even a small drop can add up to a large saving over the life of a loan.
- Different loan terms. Switch between fixed and variable, or change the length of your loan.
- Access to home equity. Fund a renovation, an investment or consolidate other debts.
Is refinancing right for you?
It depends on your situation. The first thing to compare is the rate you're on now against what's available in the market today. A lower rate is only part of the picture though. Fees, your remaining loan term and the features you actually use all matter.
We'll compare your current loan against options from across our lender panel and tell you plainly whether switching is worth it, and by how much.
First home buyer loans
Buying your first home is a big step and it's normal to have plenty of questions. We explain your options in plain English, work out what you can comfortably borrow, and look after the loan from your first chat through to settlement.
Start with a pre-approval
Before you start house hunting, work out your budget, the upfront costs and how much a lender will actually lend you. A pre-approval answers all three.
We compare what's available across our panel of lenders, get your pre-approval under way, and you can start looking with a firm budget in mind. Whether you're ready now or just exploring, you'll know where you stand before you commit to anything.
Government grants and concessions
Government support can save first home buyers a significant amount. The First Home Owner Grant (FHOG) provides financial help to eligible buyers, and states and territories offer their own incentives such as stamp duty concessions or exemptions.
What you can claim depends on your state, the property and its price. See firsthome.gov.au for the official details, or ask us and we'll check what you're eligible for.
Use the stamp duty calculator to see the duty on your price in any state and what the first home buyer concession could save you.
The Australian Government 5% Deposit Scheme
Formerly known as the First Home Guarantee, this scheme lets eligible first home buyers purchase with a deposit as low as 5% without paying Lenders Mortgage Insurance (LMI).
LMI is a one-off fee that protects the lender, not you, and usually applies when you borrow more than 80% of a property's value. Under the scheme the government guarantees part of your loan, so that cost is avoided.
Who can apply
- Australian citizens or permanent residents aged 18 or over
- Buyers who will live in the property as owner-occupiers
- First home buyers, or people who haven't owned property or land in Australia in the past 10 years
There are no income caps and no limit on places. Property price caps apply and vary by location. In NSW the cap is currently $1.5 million for Sydney and regional centres and $800,000 elsewhere.
Scheme rules as at November 2026. They change from time to time, so check Housing Australia for the latest, or ask us to confirm your eligibility.
Owner occupier home loans
Loans for the home you live in. They typically come with more competitive rates and more flexible terms than investment loans, and may qualify for smaller deposits and government incentives.
Types of home loan
- Variable rate. Your interest rate moves up and down over time with the market.
- Fixed rate. Your rate is locked for a set period, usually one to five years, so your repayments are predictable.
- Split loan. Part fixed and part variable, giving you some of the benefits of each.
Features worth considering
- Offset account. Savings held in a linked account reduce the balance you pay interest on.
- Redraw facility. Access any extra repayments you've made if you need them later.
- Extra repayments. Many loans let you pay more without penalty, so you can clear your loan sooner and save on interest.
The cheapest rate isn't always the best loan. We'll work through which combination suits your goals and how you manage your money, across the lenders on our panel.
Investment property loans
Whether it's your first investment property or the next in your portfolio, we help you choose the right lender and product. We also review and refinance existing portfolios to improve cash flow.
Why loan structure matters
Finding a sharp rate is important. Getting the structure right is arguably more important. Structure covers:
- How the loan is secured
- How you repay it, principal and interest or interest-only
- The features attached to it, such as an offset account
With the right structure you may be able to refinance after a few years, release the equity you've built and use it as the deposit on your next property. Repeat that and you have a portfolio.
Get the structure wrong and you can run into trouble when you try to refinance or fund the next purchase. We explain it all in simple terms and recommend a setup that fits your plans.
Types of investment loan
- Variable rate. The rate moves with the market, offering flexibility and lower repayments when rates fall.
- Interest-only. Pay only the interest for a set period, lowering your repayments and improving cash flow.
- Fixed rate. A constant rate for a set period, for stable and predictable repayments.
- Added features. Redraw, offset accounts and extra repayments can give you more flexibility and savings.
Asset & equipment finance
Get the vehicles and equipment your business needs without a large upfront outlay. Spreading the cost over time protects your cash flow and keeps working capital free for everything else.
What you can finance
- Cars for business use
- Utes and vans
- Trucks
- Machinery
- IT systems
- Medical equipment, and much more
Types of finance
- Chattel mortgage. Your business owns the asset from day one and the lender holds a mortgage over it as security, which is removed once the loan is repaid.
- Finance lease. The lender buys the asset and leases it to you for an agreed term, with the option to buy it at the end.
- Commercial hire purchase. You hire the asset from the financier for an agreed term, and ownership transfers to you when you take up the option to purchase at the end.
The best choice depends on your cash flow, the tax treatment and your plans for the business. Your accountant or tax adviser can help you decide which works best, and we'll find the lender to match.
Business and commercial loans
Buying commercial property, expanding, investing in assets or managing cash flow. We find finance that fits what your business needs and where it's heading.
Commercial property
Commercial real estate can expand your business footprint, earn rental income or grow in value over time. We arrange finance for:
- Retail. From standalone shopfronts to multi-tenant shopping centres.
- Offices. Office suites, co-working spaces and executive suites of every size.
- Industrial. Warehouses, distribution centres, manufacturing facilities and logistics hubs.
- Hospitality. Hotels, motels, resorts and bed-and-breakfasts.
- Medical. Clinics, diagnostic centres and specialised treatment centres.
- Specialised property. Childcare centres, aged care, petrol stations, dealerships, boarding houses and more.
We do the hard work
Securing the right commercial loan can be challenging, because lending policies and interest rates aren't set in stone or widely published. We search the commercial market on your behalf, negotiate with lenders and manage the application from start to finish.
Need vehicles or equipment rather than property? See asset & equipment finance.
About Azendo Finance
Azendo Finance is a Sydney-based mortgage and finance brokerage helping individuals, families and businesses find the right finance solutions for their goals.
With access to a panel of more than 40 lenders, we compare a wide range of home loans, investment property loans, refinancing options and business finance solutions to help you secure a loan that suits your circumstances. Whether you're buying your first home, upgrading, investing in property, refinancing an existing mortgage or growing your business, we make the lending process straightforward and transparent.
At Azendo Finance, we believe getting finance should be simpler. We take the time to understand your financial goals, explain your options and guide you through every stage of the lending journey – from the initial consultation and loan comparison through to application, approval and settlement.
With extensive experience across Australia's major banks and lending institutions, we combine industry knowledge, personalised service and access to a diverse lender network to help you make informed financial decisions.
Your goals. Our guidance. Finance made simpler.
Director
Andrew Zhang
Director · Mortgage & Finance Broker
Andrew is the Director and Founder of Azendo Finance and an accredited broker with the Mortgage & Finance Association of Australia (MFAA).
He has more than 10 years of experience in banking and financial services, having worked at major banks including Commonwealth Bank, Macquarie Bank and Westpac.
His background covers a wide range of lending, with a specialisation in residential home lending, commercial finance and asset finance. That breadth means one broker can look after your home loan, your investments and your business.
How we work
As mortgage and finance brokers, we guide you through securing the right finance for your needs. A good loan is more than a good rate. We study your situation, compare lenders, handle pre-approvals, negotiate on your behalf and manage your application through to approval and settlement.
And we don't disappear afterwards. We keep checking that your loan still fits your goals, and we'll tell you when refinancing or restructuring makes sense.
Home loan calculators
Quick estimates for repayments, refinance savings and stamp duty in every state and territory. The figures shown are examples, so replace them with your own.
Loan repayments
Estimated monthly repayment
$0
Refinance savings
Estimated saving each month
$0
- Repayment now
- $0
- Repayment at the new rate
- $0
- Saving each year
- $0
Stamp duty calculator
Estimated stamp duty (transfer duty)
$0
These calculators give estimates only, based on the figures you enter. They assume principal and interest repayments unless you choose interest only, that the interest rate stays the same for the whole term, and they don't include lender fees or charges. The stamp duty calculator uses each state and territory revenue office's published rates and assumes you meet the eligibility rules for any concession shown. It doesn't include foreign purchaser surcharges, off-the-plan or pensioner concessions, conveyancing, inspections or lenders mortgage insurance, and registration fees are shown for NSW only. They are not a loan offer, a quote or an approval. Talk to us for figures specific to your situation.
We can't find that page
The page may have moved or the link may be out of date. Here's where most people are heading.
Mortgage broker questions, answered
Straight answers to the questions we hear most. Can't see yours? Get in touch and we'll answer it.
Do you charge for your home loan services?
No. You don't pay us anything. As your mortgage broker we are paid by the lender you choose for providing our service.
What does a mortgage broker do?
A good broker does far more than find a loan with a low rate. Searching online will show you rates, but it won't tell you which loan is actually right for you, and focusing on the rate alone means overlooking other things that matter.
We study your situation and search across lenders for the best fit. We work in your favour, handling pre-approvals, negotiating rates and guiding your application through approval to settlement.
The support continues after settlement. We keep checking that your loan suits your long-term goals and look at refinancing or restructuring if it doesn't, because structure matters as much as whether a rate is fixed or variable.
Why use a mortgage broker instead of going straight to the bank?
- More choice. A wide range of lenders and products means better rates, unique offerings and more flexible lending policies.
- Problem solving. We understand the policies of many banks, not just one, so we can find a solution where a single bank might struggle.
- Personal service. We're available when banks are closed. You may not get to choose your banker, but you can choose your broker.
- Continuity. Branch staff change roles and banks often. A broker who owns the business typically stays with you for the long term.
How much can I borrow?
Each lender will lend you a different amount. When they assess your borrowing capacity they consider your total household income, current credit commitments, monthly living expenses and any dependants.
Australian households often have a mix of employment types, and lenders have specific criteria for each. Get in touch and we'll work out a figure for your circumstances.
Should I get a pre-approval?
We highly recommend it if you're unsure how much you can borrow, your income varies, you're self-employed or your situation is unusual. A pre-approval gives you a clear understanding of your borrowing capacity and confidence when you're house hunting.
Let's talk
Buying your first home, refinancing or just curious about your options? Consultations are free and we're happy to chat.
Call
0461 353 330The free assessment takes about a minute and gives us what we need to call you with real answers.
Tell us what you're after
Four quick steps. Once we've reviewed your answers, we'll call you within one business day to talk through your options.
Disclaimer
Disclaimer and liability limitation
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances, and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Lenders' terms, conditions, fees and charges and eligibility criteria apply.
Content
The content of this website (www.azendofinance.com.au) includes text, software, graphics and advertisements provided by Azendo Finance, its affiliates, third parties and its independent contractors. Whilst Azendo Finance takes reasonable steps to ensure that the information on its websites is correct, it makes no representations that the content will be complete, accurate, reliable, suitable or up to date, that your access to the website will be free from interruption or errors, or that the website or the hosting servers are free of viruses or any other harmful components. Azendo Finance does not accept any responsibility or liability for any actions taken as a result of, or in reliance on, information on its websites.
In addition, Azendo Finance reserves the right to change information on its websites at any time and without notice in its absolute discretion. Azendo Finance does not warrant or guarantee that its websites or web services will be available uninterrupted or free from errors or viruses and accepts no liability for any loss or damage suffered by any user. Users use Azendo Finance websites and web services entirely at their own risk. If you believe any information on Azendo Finance websites is inaccurate, out of date or misleading, please bring it to our attention by email to andrew@azendofinance.com.au.
Exclusions
To the extent allowable by law, Azendo Finance and its affiliates exclude all warranties, circumstances and terms implied by regulation, general law or worldwide convention including, without restriction, any and all implied warranties with respect to merchantability, suitability of purpose, title and non-infringement; and liability to you or any person in respect of any loss or damage arising out of or in connection with any use of the website or the information on or provided through the website, as well as, without limitation, all liability in respect of consequential, incidental, indirect, extraordinary, punitive or exemplary damages (such as loss of profits or loss or corruption of data and loss of goodwill) even if it has been advised of the likelihood of such loss or damage.
Where the law implies any term in relation to your use of the website or any understanding arising out of your accessing the website and that law prohibits exclusion of that term, then that term is included. If and to the extent permitted by law, however, Azendo Finance and its affiliates limit their liability for breach of such term to the resupply of services.
Intellectual property
The Azendo Finance name and logo are the intellectual property of Azendo Finance and/or its licensors. All other trademarks displayed on this website are trademarks of their respective owners. Nothing contained on the website should be construed as granting any licence or right to use any trademark displayed on the website without the express written permission of Azendo Finance or the relevant third-party owner.
Copyright
The copyright in the content is owned by Azendo Finance, its suppliers and/or licensors unless specifically indicated otherwise on the website. The content is protected by Australian and international copyright and trademark laws and is supplied for information use only. Except as explicitly provided for above and separately from any fair dealing permitted under the Copyright Act 1968, Azendo Finance grants visitors to the website a licence to download, display, print and reproduce this material for private use or within your organisation, for non-commercial purposes only.
Privacy Policy
Azendo Finance Pty Ltd (ACN 674 014 790) Credit Representative Number 555144 is authorised under Australian Credit Licence Number 389328.
At Azendo Finance Pty Ltd, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
What information do we collect and how do we use it?
We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us, e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
We may also use your information internally to help us improve our services and help resolve any problems.
What if you don't provide some information to us?
If you don't provide us with full information, we can't properly advise or assist you with your credit needs.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or exposure. Access to your information is restricted to those employees whose job requires that information.
We will take reasonable steps to destroy or de-identify your personal information when it is no longer required for our business functions.
Will we disclose the information we collect to anyone?
We do not sell, trade or rent your personal information to others.
We may need to provide your information to our credit licensee, e.g. for administration and supervision activities, to contractors who supply services to us, e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
Disclosures to overseas recipients
Some of the recipients to whom we disclose your personal information may be based overseas. It is not practicable to list every country in which such recipients are located but it is likely that such countries will include the Philippines, India and Nepal.
From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications. You can unsubscribe ('opt out') by notifying us and we will no longer send information to you.
The information we obtain from you is used, subject to compliance with Australia's privacy and credit reporting laws, only for the purposes listed in this policy and is not disclosed to any other person except with your permission or as permitted, or required, by law.
How can you check, update or change the information we are holding?
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
If you wish to access or correct your personal information please contact us anytime. In some limited circumstances, we may need to refuse access to your information or refuse a request for correction. If this is the case, we will advise you as soon as possible after your request and provide you with our reasons for the refusal.
We do not charge for receiving a request for access to personal information, for complying with a correction request, or for providing access to personal information.
Your consent
By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
Tell us what you think
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact us anytime. For more information on your privacy rights please visit www.oaic.gov.au.
Terms & Conditions
Operator of the website
This site is owned and operated by Azendo Finance Pty Ltd.
General statement
The following Terms and Conditions regulate your use of our website. Please read these Terms & Conditions carefully before accessing our website. Your access to or use of this website is conditional upon your acceptance and compliance with the terms, conditions, policies and disclaimers contained on this page and elsewhere on the site ("general conditions"). Your access to the site constitutes your agreement to be bound by the general conditions.
The provision by Azendo Finance, its affiliates and suppliers of the data, information and services on our site to you is expressly conditioned on your acceptance (without modification) of the terms and conditions contained herein. Your use of our website constitutes your agreement to all such terms and conditions. The materials and information on our website are provided to give you general guidance in the operation of our finance brokerage services. Azendo Finance and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on our website. Whilst Azendo Finance takes reasonable steps to keep the information on our website accurate, complete and up to date, Azendo Finance and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
Azendo Finance considers privacy of paramount importance and no attempt is made to identify you, unless you expressly choose to do so. You are aware that your use of our website is monitored. This is undertaken to improve our website, and to make your visit to our website a more relevant experience.
Azendo Finance reserves the right to amend the general conditions at any time and you should periodically refer to them on this page and elsewhere on the site.
Copyright
The copyright in the content is owned by Azendo Finance, its suppliers and/or licensors unless specifically indicated otherwise on the website. The content is protected by Australian and international copyright and trademark laws and is supplied for information use only. Except as explicitly provided for above and separately from any fair dealing permitted under the Copyright Act 1968, Azendo Finance grants visitors to the website a licence to download, display, print and reproduce this material for private use or within your organisation, for non-commercial purposes only. No licence to republish, transmit, reproduce, communicate, modify, commercialise or alter this material is granted without written permission.
Contact and form terms
Further to the general Terms & Conditions of use for the Azendo Finance website, the following apply. Azendo Finance provides a simple method for visitors to the website to contact Azendo Finance. By using this service you understand and agree that:
- The information provided will only be used for the purpose for which it was requested and its use is subject to the Privacy Policy.
- For a response to be provided, contact information must be provided.
- Azendo Finance will respond within 5 business days.
Please direct all enquiries to andrew@azendofinance.com.au.
Feedback
Compliments and concerns. Both help us do better.
We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.
Compliments
We are always delighted to know that we have made your experience a pleasant and successful one. If one of our representatives has provided you with exceptional service in any way, please let us know using the contact details on this site.
Concerns
If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have developed a process that makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly. If you choose to contact us by mail or email, please provide as much detail as possible about your complaint.
Need an update on your complaint?
If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Please refer to your earlier communication so that we can respond effectively.
Resolution
We will write to you to acknowledge your complaint within 24 hours and will work to resolve your complaint as soon as possible. In the rare event we are still investigating your complaint after 30 days, we will write to you to explain why and to let you know when we expect to have completed our investigation. When we have completed our investigation, we will write to let you know the outcome and the reasons for our decision.
Taking it further
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, you can have your complaint heard by an independent party, the Australian Financial Complaints Authority (AFCA):
- Online: www.afca.org.au
- Email: info@afca.org.au
- Phone: 1800 931 678 (free call)
- Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Time limits may apply to complain to AFCA, so you should act promptly or consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.