From your first home to your growing investment portfolio, we find finance that meets you where you're at and gets you where you want to be.
From your first pre-approval to settlement day, we explain the numbers in plain English and structure your loan around your budget and goals.
Selling and buying at once is stressful. We line up your finance so timing, budget and school zones all work together.
Progress-payment loans coordinated with your builder's schedule, so funds land where and when your build needs them.
We structure finance with an eye on serviceability and long-term strategy, so an investment property fits around family life, not against it.
Every client gets the same thing: a clear comparison, straight answers, and someone who picks up the phone.
Grants, guarantees and lender options explained simply, from pre-approval through to settlement.
Structuring finance to grow a portfolio, with an eye on serviceability and long-term strategy.
A health check on your current loan to see if your rate, structure or lender still stacks up.
Progress-payment loans for owner-builders and new builds, coordinated with your builder's schedule.
A free, no-obligation chat about your situation, your goals, and what's realistic.
We go through options across our panel of lenders and lay out the strategy.
We manage the paperwork and keep you updated, so nothing falls through the cracks.
We'd been sitting on our old rate for years because refinancing felt like too much hassle. Ellis ran the numbers, found us a better deal and helped us pull out some equity for a renovation. Whole thing took a few weeks and about a dozen text messages, that's it.
First home buyers here, so we didn't have a clue what LVR or LMI even meant going in. Ellis just talked us through it like a normal person instead of a bank brochure. We got the keys in July and still can't quite believe it's ours.
Selling our unit and buying a bigger place at the same time had us stressed about timing more than anything else. Ellis structured the loan so we weren't stuck carrying both, and kept us in the loop the whole way rather than going quiet for a week at a time.
Firma Finance is run by Ellis, based right here in Wollongong. As a local broker who genuinely understands the Illawarra, you get advice built around your family's actual circumstances, whether that's your first home, a growing household, or your next investment.
No jargon, no pressure, and no disappearing after settlement. Just straight, honest advice from someone who picks up the phone.
Pick a time that suits you below — no cost, no obligation, just a straightforward conversation.
Prefer to just call or email? 0401 313 331 or ellis@firmafinance.com.au
