Best Mortgage Broker for Sydney’s Leaders and Achievers

Let our Award Winning team of mortgage brokers help you

Award Winning Team

SF Capital is an award winning mortgage and finance broking firm based in Sydney’s CBD. SF stands for “Service First”. We pride ourselves in hiring only the best and brightest people, our honest culture, and technical expertise.

Award badges

WATCH OUR LATEST VIDEO ON AUSTRALIA’S HOUSING CRISIS

What our customers say

Winnie Zheng
Winnie Zheng
1711538003
Tommy and the SF Capital Team provided exceptional guidance throughout our home loan application process. They expertly guided my partner and I from start to finish, promptly addressing all our inquiries. Special thanks to Priscilla and Lucais for their invaluable support throughout the entire journey.
Romin M
Romin M
1702458868
I had a great experience with SF Capital. It was a pleasure dealing with Priscilla, she always attended to my queries and made herself available in a timely manner. Her assistance was always present throughout the whole process, and she was always proactive in getting things done. I never felt the need to chase anyone and felt welcomed to raise anything that needed clarification. I would highly recommend SF Capital services and would definitely be a returning client.
Jason Ng
Jason Ng
1700783462
Priscilla was a joy to work with. She was always patient in working around my schedule and answering lots of questions with clarity and knowledge. She's been responsive and professional the whole time and very much look forward to engaging her support again in future.
Tara H
Tara H
1693520527
Priscilla and the SF capital team have been amazing! Never once was I made to feel like I asked too many questions and every time I had a question, I always felt i was in the best hands possible! We refinanced at a significantly better rate and realised we were in a position to buy another investment!I highly highly highly recommend SF Capital!Thanks so much for your help guys!
Sarah Park
Sarah Park
1689679887
Luke and the team at SF Capital were incredibly helpful, informative and responsive throughout the process of assisting with the purchase of our first home. Their proactive communication gave us peace of mind and we were able to settle on our home quickly and smoothly thanks to their expertise. Thank you, Luke and SF Capital!
Rayan Davari
Rayan Davari
1688286629
I highly recommend the SF Capital Team for anyone who is in need of a broker or advisor. Luke were absolute godsends and helped us to transfer my house loan to a better bank, got a car loan for me and also got pre-approval for the next house. They were responsive and ensured we understood each step of the process in detail. we're very grateful for their continued support.
Sandy Masen
Sandy Masen
1686829269
I highly recommend the SF Capital Team for anyone who is in need of a broker or advisor. Luke and Lucais were absolute godsends and helped us to secure our first property. They were highly attentive and responsive and ensured we understood each step of the process in detail. It was an amazing journey and we're very grateful for their continued support.
Andrew Ye
Andrew Ye
1685094853
Can't recommend SF Capital enough, especially Luke and Lucais! Throughout the whole process they were both patient and prompt. Their 'client first' approach meant I always felt like a priority, going the extra distance to educate me which helped tremendously with seeing the bigger picture - the next step and the options after that.Professionals in every sense of the word.
Patrick
Patrick
1680120746
I needed car financing for a new ute and Luke made the whole process very easy and enjoyable. He had a wide network of dealerships and lenders which meant that I got a great price for my car at a low rate.Excellent work Luke and I can't wait for the next car loan!Patrick from Pro Duplex
B S
B S
1679897994
I highly recommend SF Capital to anyone looking for a mortgage, especially Aussie expats overseas. Priscilla and Tommy were an absolute pleasure to work with, and their level of service was top-notch. They were always available to answer my questions, even when I was working in a different time zone. They were also very creative in providing financing options, and took the time to understand my complex financial circumstances (e.g. multiple income currencies and offshore investments etc). Finally, they moved the application along super fast. Together with their knowledge of the private banking divisions, we were able to get a loan approved very quickly and for a higher amount than we were expecting. I definitely recommend them for expats and would not hesitate to use their services again in the future.
Richard Lee
Richard Lee
1679724328
Luke and his team at SF Capital were nothing but helpful and informative. Being new to the process, Luke and his team were proactive, educational and genuine every step of the way.I have already advocated for Luke within my personal circles and would do the same for anyone else looking for a new Financial Broker.
Carmen Kwok
Carmen Kwok
1679280010
Luke, Lucais and the team at SF Capital were amazing to work with. The communication is always prompt and detailed making sure we understood each step of the refinancing process. Thanks again! 🙂
Ivan Kwok
Ivan Kwok
1674470052
Highly recommend Luke and the SF Capital team! They looked after our refinancing of properties and managed to achieve a wonderful result, in a tough market, which has saved us a lot of money. Great communication, diligence and attention to detail throughout the process.
Andrew Quach
Andrew Quach
1667782466
Thanks to the team at SF Capital, in particular Luke Xie, who recently assisted my wife and I with my most recent loan application. They are experienced in all types of loan applications and helped assess our situation which included trusts and business ownership structures. The loan settlement was stress free and seamless. I would highly recommend SF Capital for their services. They have been looking after our financing needs since 2013, and no doubt they will continue to do so.
Luke have been amazing throughout the process. He was very patient with us with all our questions. We highly recommend SF Capital and we will be glad to work with them again in the future.
detroit leelaw
detroit leelaw
1661418647
Would highly recommend SF Captial. They were very helpful with our first home loan and glad we went through them. No question was too silly and they always made sure we understood everything along the way. 5 🤩A special thank you to Priscilla, Tommy and Nathaniel. The A team. Thanks again for all your hard work, patience and knowledge! I’m sure we’ll be back for more help in the future!
phil mason
phil mason
1660175775
The team at SF Capital helped me navigate through what was a terrible experience with another broker firm. What was initially a very difficult experience getting a home loan as a self employed business owner, became much easier with the team at SF Capital taking the helm! They turned everything around and assisted me in getting across the line and securing my loan with a major bank. Big thanks to the team for helping me get my dream home! Highly recommended!!
Michelle Cheng
Michelle Cheng
1657118067
Pris Tan recently helped my husband and I with our loan and we could not be more grateful. Purchasing a home can be extremely daunting but Pris made it easy and fun! She was energetic, had a good sense of humour and explained everything really well. She was also patient and happy to answer any question. Nathanael also helped us and to no surprise provided amazing service too! Thank you again for helping us!
Ines Van Butsel
Ines Van Butsel
1656035182
Luke and Brij helped us refinance and navigate this complex banking world seamlessly. From the start, Luke was on the ball, professional and quick to respond and answer any questions and concerns we had. I would highly recommend the SF Capital team to everyone and we look forward to engaging them again in the future.
Walid Yassine
Walid Yassine
1653630381
Excellent process and care by the team at SF capital making somewhat cumbersome paperwork and detail straight forward and simple to digest. Also quite proactive in their approach to ensure the best rates and changes are applied to best suited circumstances. Great work all round and couldn't recommend more
Pav Siva
Pav Siva
1652660203
Great people and great service. Despite the issues caused by the Bank Luke and Brij were extremely helpful in dealing with the Bank and ensuring their clients were well taken care of. It would have definitely been much harder and slower going directly. Would definitely recommend the team at SF Capital.
Linda Robson
Linda Robson
1652426711
I can totally see why SF Capital receive five stars and quite frankly, if I could give more stars, then I would.My niece used them for purchasing her property and had no hesitation in recommending their service to me. And I can see why.Right from the beginning, the team of Luke and Brij exceeded my expectations; always putting my needs first and negotiating a phenomenal rate at time when my own bank wouldn't budge despite being with them for more than 30 years.The team were responsive, honest and caring. It was as though they were brokering a deal for a family member.I am ecstatic about the results they achieved for me and would have no hesitation in recommending them to family, friends or strangers.Thanks team! If I am ever in the position to buy another property, I will be back 🙂
John Lee
John Lee
1651211925
SF Capital were recommended by a good mate. My broker representatives were Luke Xie and Brij Parekh.They were very professional from the start and proactive in both preventing potential issues that may have risen and dealing with them promptly. Being first time purchasers, they really helped put our mind at ease - this may not be quantifiable but those of you that know...you know how valuable this is!We purchased an off-the-plan apartment that was part of a large development (> 500 units). COVID / flood issues resulted in our settlement being delayed by c.6 months. Through it all, SF Capital were proactive in trying to give us updates as real-time as possible while taking the time to address all of our concerns and queries. I'm one of those annoying types so I ask 99999 questions - thanks for your patience Luke!Despite the frustrations with the delay, Luke and Brij used this as an opportunity to structure a loan that better met our needs within the context of the impending interest rate rises (notwithstanding the sunk cost of the fixed rate lock-in from the original loan). Brij was incredibly impressive and helped us get approval VERY quickly.Thank you very much SF Capital. Look forward to utilising your services more in the future!
Grace Jeong
Grace Jeong
1649803401
Thanks Priscilla and the team for your great service! Your help has been incredible and I'd highly recommend to anyone. Thank you again!
Eric Feng
Eric Feng
1646960395
Great home loan advice and service from the SF capital team.The support was detailed, I was taken care of throughout the process and it was evident the team puts a lot of effort into curating the best strategy for your personal needs.Would highly recommend to anyone seeking a home loan for the first time.
Alice Dai
Alice Dai
1646647417
Thank you Luke and Brij for helping us purchase our home. Your proactive and informative approach made the process easy and seamless. Thanks again guys!
Laura Sharpe
Laura Sharpe
1643665516
The Team went above and beyond for us. They helped explain things and talked us through every step of the way. I would highly recommend them to everyone and would use them again in future. Thanks so much SF Capital .Laura and Phil Sharpe
Gina Yoon
Gina Yoon
1642720664
Highly recommend SF Capital! Priscilla was super attentive and responsive throughout the whole loan process and made my first home purchase a very easy one. Would 100% recommend them onto anyone who is looking to purchase their first/next home.
Eliza Leedow
Eliza Leedow
1642505919
Seriously could not speak more highly of SF Capital - and particularly the work of Priscilla. We spent 2 years looking for our perfect home and she and the team were patient, helpful, kind and so supportive. We honestly could not have bought a place without their team behind us. If you’re in need of a broker, or even if you’re just thinking of buying, these are your guys!!
Orrin Huang
Orrin Huang
1638964133
Super positive experience with Luke and Brij. Super thorough and kept me informed and updated the entire way through the loan process. They made it as painless as could be. Couldn't be happier with the service! Great work SF Capital, keep doing what you're doing.
Cindy Lie
Cindy Lie
1615279624
Excellent broker got us great deals and process of getting the mortgage went smoothly
Siobhan Casey
Siobhan Casey
1598236868
Excellent support and guidance throughout the whole process... highly recommend SF Capital for any financial assistance - thx Tommy & Priscilla.
Shanell Teua
Shanell Teua
1590752534
I couldn't recommend the SF Capital team highly enough. Luke and Tommy provided exceptional customer service, especially during these trying Covid pandemic times. Luke consistently followed up when we were experiencing delays and kept us informed every step of the way. Couldn't ask for more! Thanks guys, look forward to dealing with you again shortly ?
Daniel Chang
Daniel Chang
1590473862
A good friend and colleague of mine recommended SF Capital. I had my hesitations at first on using a mortgage broker, as I felt as though I could do my own research and borrow directly from a bank. However, given the complex documentation and the range of options available, SF Capital were extremely helpful in making the process easy, understandable and actually enjoyable. They were prompt with their responses, they were pro-active with their solutions and often went above and beyond to ensure my wife and I were comfortable and well informed at every step of the process. Tommy, Priscilla and the team are extremely good at what they do. They're professional, intelligent and hard-working, and their efforts to provide the best outcome for their clients has resulted in my wife and I securing a great property with a great bank and at a competitive rate.
Sukhy Bansal
Sukhy Bansal
1589075448
We dealt with Luke Xie at SF Capital who helped the company I work for secure Motor Vehicle finance. The process was seamless and each step of the way Luke kept us informed and was very proactive in sourcing information and the right finance solution for us. He also ensured all relevant stakeholders we're kept in the loop at all times. We we're very happy with the services and are looking forward to using SF Capital again.
Melissa Ran
Melissa Ran
1586271057
Highly recommend getting help from Tommy and the team at SF Capital for financing your property purchase! Extremely professional and prompt service, goes the extra mile, great rates. Look forward to working with them again for future purchases.
Brad Wong
Brad Wong
1583569101
Living overseas, I had a more complex case than perhaps was normal. Tommy, Priscilla and the team helped us navigate through this, providing exceptional advice and service throughout. Would highly recommend!!
Juan Chiang
Juan Chiang
1583371962
First timer with SF Capital for home loan. Tommy and Priscilla are very professional, good explanation of the loan process etc and friendly. I thought the communication was flexible and efficient via whatsapp/email/phone call especially when I was overseas pending settlement. I've already planned to deal with Tommy and Priscilla again for next financial service. Highly recommended.
Donna Currie
Donna Currie
1582257024
I would highly recommend selecting S F Capital to help you secure a new loan or refinance your existing. They worked extremely hard on working with my very complex financial situation and delivered an outstanding result. The process was proactive and seamless. The team were responsive and extremely diligent and thorough. I would absolutely refer them to all my network with complete confidence.
Nima White
Nima White
1581886539
We highly recommend the team at SF Capital. They helped us find the best rates on offer, were professional, diligent and easy to work with throughout the process. We loved working with both Priscilla and Tommy.
Walid Yassine
Walid Yassine
1581492359
Excellent process and care by the team at SF capital making somewhat cumbersome paperwork and detail straight forward and simple to digest. Also quite proactive in their approach to ensure the best rates and changes are applied to best suite circumstances. Great work all round and couldn't recommend more
Kenny Wong
Kenny Wong
1580443651
SF Capital were always responsive, worked hard to deliver a premium service and were proactive in managing the whole process. We felt confident the team had things under control for us throughout the process. Thanks again!
Hazel Tan
Hazel Tan
1576675583
I engaged Tommy back in 2015 for a mortgage, and have had no regrets. He made the process efficient for me, and has continued to review and provide annual updates which I appreciate.
Jessica Reilly
Jessica Reilly
1574395118
We cannot recommend SF Capital highly enough! We had the pleasure of dealing with Tommy and Luke who assisted us from start to finish with our home loan. They went above and beyond the call of duty and we were extremely happy with the overall service, communication, reliability and the options available to us that were explained clearly. We have continued to use their services for our business needs also, and we have already recommended Tommy and Luke. If you're after easy, reasonably quick and great service, you have found the right place!
paul lee
paul lee
1571874582
Amazing team to be working with. Luke and Tommy were very informative and helpful with our home loan. I will definitely be using their services in the future. Highly recommend SF Capital. Thanks a bunch!
For a no-fuss personal and professional experience I definitely recommend using SF Capital. They made the whole borrowing and purchasing process much easier and they were extremely flexible and helpful (even when some banks were not!) Thanks for helping me buy my first home and investment property!Apple
Chloe Uy
Chloe Uy
1571037213
The SF Capital team has helped me through the process of purchasing my off the plan property. They provided really clear details of what can be expected when. They accommodating with my questions and explaining the different loan options. Two thumbs up!
Naresh Hirani
Naresh Hirani
1570760455
Will, Priscilla and Catherine have been an absolute pleasure, they've gone the extra mile to make what would have been a hectic and stressful time that much easier. They kept us updated and well informed throughout each stage of the process. I have no hesitation in recommending the SF Capital team to anyone who is looking for exceptional service from a trustworthy and professional team! Kind regards, Naresh & Jayna Hirani.
Colin Hockey
Colin Hockey
1569995115
Very Professional and efficient. The team did a outstanding job at presenting and following up the application process. Thank again for your help. Colin
Amanda Kandilis
Amanda Kandilis
1567377830
Professional, efficient and all round fantastic service provided by SF Capital. The team helped me with what could have been an incredibly overwhelming process of purchasing my first home. Would 100% recommend them onto anyone who wants a seamless process of obtaining finance for their first/next property purchase!
Les Cohen
Les Cohen
1566975229
Highly recommend the team at SF Capital. They provided us with great advice and professional service from start to finish!
Tracy Yu
Tracy Yu
1566217867
Tommy and Priscilla are so humble and helpful - I had a great experience dealing with them. Would definitely recommend!
Luke Martin
Luke Martin
1565181736
Priscilla & Tommy exceeded our expectations. They were informative and realistic and helpful to educate us in our options. Then patient while we saved for 9 months. When we found a property they prepared all documents and assisted us seamlessly. They refinanced investment loans and new loans. Priscilla held off to get the best rates. Couldn't recommend them more.
Joe Kim
Joe Kim
1565016631
Fantastic and prompt service in assisting for my first loan. Easy to deal with, flexible and professional!
Chris Sponiar
Chris Sponiar
1562211637
I worked closely with both Tommy and Priscilla on a property purchase, and couldn't have asked for a higher, or more personalized, level of service. I'm based abroad the team were extremely responsive and flexible across multiple channels of communication. They put together extremely thoughtful and clear analyses that guided my decision making, and navigated some headwinds like true professionals. Very highly recommended.
Chris Sponiar
Chris Sponiar
1562211636
I worked closely with both Tommy and Priscilla on a property purchase, and couldn't have asked for a higher, or more personalized, level of service. I'm based abroad the team were extremely responsive and flexible across multiple channels of communication. They put together extremely thoughtful and clear analyses that guided my decision making, and navigated some headwinds like true professionals. Very highly recommended.
Nader Eltom
Nader Eltom
1562143087
Very thorough, Excellent service and above and beyond all expectations. The team is knowledgeable and accommodating, and have delivered excellent results in a tough climate.
Very Very Good Service! Always available, friendly and happy to help.
Alan Tan
Alan Tan
1558003884
Excellent, Friendly, Knowledgeable - Great personalised service - would recommend!
Kevin Wong
Kevin Wong
1551831807
I had the pleasure to work with Luke, who was very experienced and professional in all dealings. I came in, wanting a loan with no prior knowledge or experience and Luke was just able to guide me in a way that made me understand the whole process a lot easier. I managed to get the loan amount I required and my property was able to settle with no issues.I do want to thank SF capital and it's team again for always going above and beyond their 'mortgage broker' duties to ensure their clients are satisfied.
Lang Duong
Lang Duong
1550115267
Had the pleasure of dealing with SF Capital to assist us with refinancing our home loan. Luke was very approachable and organised the process from beginning to end smoothly. Would recommend.
We have already used SF capital twice and we are really happy with the work they have done for us. They are really professional, reliable and friendly. I felt I could trust them all along the process.
Wayne Zwar
Wayne Zwar
1498810043
Tommy leads a great team who really make the process easy to get the perfect loan for your situation
Next Reviewsjs_loader

SERVICE FIRST GUARANTEES

Approval Guarantee

SUBMITTED. APPROVED

CERTAINTY IN UNCERTAIN TIMES

We specialise in getting your application approved the ​first time​ – saving you time and giving you confidence.

Best Advice Guarantee

ADVICE YOU CAN BANK ON

WE ARE PASSIONATE PROBLEM SOLVERS

Our team are trusted professionals committed to giving you the highest quality advice, allowing you to make an informed decision every time.

Best Rate Guarantee

BEST RATE GUARANTEES

MORE MONEY IN YOUR POCKET

We leverage our relationships, network and experience to secure you the best rate with your preferred lender.

FINANCE MADE EASY

We have developed a time-tested approach to making finance easy. Our 8 steps ensure we are consistently achieving outstanding results for our clients.

 

finance made easy

THE PROOF IS IN THE PUDDING

New to home buying, commercial financing or property development? Not sure if you will get approved? Learn from other successful clients that have gone before you.