Home: Sufficient Funds

Home Loans

We're the mortgage brokers the best agents refer to

About You

  •  Don't want being a first home buyer to hold you back. Let's make your first purchase count
  • Want the process of purchasing a home or investment property to be easy
  • Are either new to purchasing a home, are a seasoned buyer, or want to look for a better deal
  • Want the option to ask for help explaining the process
  • Need the confidence that you're getting a loan best suited to your needs
  • Want your loan settled fast


About Us

  • We're Australia's most relatable money team, and are reliable AF
  • Understand the importance of the lending journey for you
  • Are the brokers that the biggest agents trust to get their deals done
  • We don't sell property. We're on your side to make sure your deal stacks up and you're not being screwed over by anyone involved in your purchase
  • We also have a strong financial planning/money coaching side to the business, making sure you have all of the additional services you need at your fingertips 

Reliable, Timely

What's Included


What we do for you:

  • Collect relevant information upfront including a questionnaire your lending preferences - we retain a coaching/education focus here so you are fully informed when making decisions
  • Align your stated needs and goals with the most suitable rate and loan structure available in the market. We access over 45 lenders including the big banks
  • Negotiate with lenders for the best deal available, often at more competitive rates than those available to the general public
  • Capitalise on First Home Buyer incentives for you, including completing the FHB application on your behalf and lodging this with the recommended lender
  • Prepare application forms and manage the entire application process on your behalf
  • Liaise with your solicitor/conveyancer to ensure a smooth settlement process. We can recommend a solicitor from our referral panel if you need
  • Review your lending needs periodically and make recommendations to vary the loan agreement over time where this is beneficial to you

Meet Our Head Mortgage Broker:
Randy Araya-Bishop

Our lending genius Randy is one of the finest mortgage brokers you'll find in the country.

With a Diploma of Finance & Mortgage Broking and a Bachelor of Business (Accounting), he has the formal qualifications and over ten years experience to set you up with a loan best suited to your needs. 

Randy joined the SF team in 2019 to take our Mortgage Broking service to the next level. Since then he's helped many of our clients find their first home, investment property, or refinanced existing loans to help them get ahead.

Ready to talk?

Book a call

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Credit Representative Number 479383 for James Millard and 486882 for Randy Araya-Bishop are authorised under Connective Credit Services, Australian Credit Licence 389328