Partner with your finance
and property A-team
FINR Advisory combines mortgage broking, property planning, and buyer's advocacy — one team, one strategy, built around you.
The borrowing capacity strategies you just learned aren't theory. They're exactly how we've helped thousands of Australians unlock more borrowing power and keep building their property portfolios.
35+ Lenders to give you more choice
Most brokers advertise access to 35+ lenders. Few actually use them. Our credit team researches lender policy every day — so no matter your situation, we'll know exactly which lender to put you in front of, and why.
★★★★★
We've been investing for many years, but it came to a point where our serviceability ended and we just couldn't get any more funding. No matter which banks we spoke to, they all had the same answer, and that was we couldn't get access to any more funding. However, along our journey, we met Derrick from FINR Advisory, and he was able to come up with some really creative strategies for us to access some additional funding. So from there, were able to secure a site, and then went and got some more lending, more funding, where we built this project. Now we've finally finished the site. We're really happy with the way it's transpired and really happy that were able to get that funding from FINR Advisory.
- Jamie & Maxine Hildebrand
★★★★★
“Derrick has exceeded expectations of what can be achieved for any client. Whereas many brokers have come and gone said it was not possible, Derrick has exceeded expectations time and time again. He goes out of his way to push every possible avenue to find the best outcome for his customers, and takes personal pride in achieving the best results. This guy just won't rest till he has gotten you the best outcome! 'Highly recommended' just doesn't amply describe what you will experience with Derrick and Finr Advisory. He sets a bar way higher that that. Derrick is our trusted partner in our business and a great recommendation for anyone looking for a a broker with a difference.”
- Andre Yeo
★★★★★
"We had a fantastic experience working with Paul. He helped us refinance and completely restructure our home loan, introducing a debt recycling strategy that we hadn’t previously considered. At the same time, he was able to release a significant amount of equity for future investment, which has put us in a really strong position moving forward.
The process wasn’t simple, but Paul guided us through every step and made everything easy to understand. His knowledge, attention to detail, and ability to think strategically really stood out. We always felt like he had our best interests at heart and was focused on setting us up not just for now, but for the long term.
We wouldn’t hesitate to recommend Paul to anyone looking for clear, strategic mortgage advice."
- Davina Wong
★★★★★
"I recently worked with Paul Kelly from FINR Advisory, and I couldn’t recommend him more highly. Paul processed my loan in record time, even while navigating some fairly complex and challenging circumstances. Throughout the entire process, he was professional, responsive, and incredibly efficient. He kept everything moving forward without delays and communicated clearly at every step, which made a stressful situation feel completely under control.
What really stood out was his ability to problem-solve and push things through when others might have slowed down. His attention to detail and commitment to getting the best outcome made a huge difference.
Beyond just assisting with my current mortgage, Paul also took the time to outline clear next steps for future lending and financial positioning. This forward planning will genuinely save me a significant amount of money and has put me in a much stronger position moving forward.
I will definitely be using Paul and the FINR team again. If you’re looking for a mortgage broker who is reliable, sharp, and genuinely committed to delivering results, Paul is the person to go to."
- Sam Forestier
★★★★★
We have had a difficult last few years, and have been thru ALOT of Mortgage Brokers who mostly said no we can't help you due to our situation. I am so glad I didn't give up, kept trying and found Finr Advisory. Derrick and Paul didn't bat an eyelid at our complicated situation that most brokers didn't want to deal with, their attitude was just finding a way to make it work.
They made it seem so easy. I honestly was doubting it was actually going to happen throughout the process since all the other brokers didn't even want to look at it. They not only got us a great result by getting us a loan with one of the best rates on the market at the time they also went further once the loan was secured and their job was done and sought out a 5K refund from the bank which we were not even expecting and just made the whole experience even better.
Do yourself a favour - HONESTLY - If you're looking for a mortgage broker looking out for your best interest with a can do attitude that are willing to put in the work FINR Advisory are the people you need to speak to.
- Trish Perez
Our Services
Loan Structuring
Whether you're embarking on your journey as a first-time homebuyer or you're a seasoned investor, the structure of your loans and finances are crucial to ensure long-term success. Your finances are more than just a single transaction and we understand that the wrong setup can cost you time and money. Therefore we ensure we take the time to craft a tailored solution that will suit your current circumstances and future goals.
Refinancing
Refinancing your loan is a strategy that can unlock significant financial advantages, and at FINR Advisory, we're here to guide you through the process seamlessly. Whether you're looking to lower your interest rates, consolidate debts, or tap into your home's equity, our expert team is dedicated to finding the most favorable financing options for your unique situation. We prioritize understanding your financial goals to tailor a solution that not only reduces your monthly payments but also positions you for long-term financial success.
Solutions Focused
We pride ourselves on being solutions-focused and always putting our clients' best interest first. This means doing what's right, not what's easy. By partnering with us and aligning our goals and ambitions, we will ensure our clients receive the right support and are set up for long-term success.
Company & Trust Structures
Buying a property that is not in your individual name may come with asset protection or tax advantages. However, not all lenders will consider Company and/or Trust borrowers for those that do, there may be some policy restrictions that will limit your lending depending on the set-up of your structure. At FINR Advisory we work with structures daily and know exactly which lenders will suit your setup ensuring you don’t waste time or money.
Equity Release
Not all lenders are created equal and a big reason for that is due to their differing lending policies. Some lenders have more flexible policies around equity release or ‘cash-out’ allowing you to get access to and control more funds with satisfactory commentary and without detailed documentary evidence.
Independent Loan Advice
At FINR Advisory, we don't advocate for specific banks; instead, we take the time to identify a lender that aligns best with your individual situation, needs, and goals. Our impartial approach ensures that your loan is not just a transaction but a tailored solution crafted to suit your unique personal and financial circumstances. By thoroughly evaluating the full suite of lending options, we not only secure the most competitive rates but also ensure a pathway that propels you towards success.
★★★★★
"We could not be more happier with our experience with Derrick who assisted us with obtaining finance for our first home. We can honestly say the experience has been stress free and enjoyable (not something you usually hear when it comes to buying a home) Derrick works hard, is transparent and genuinely cares. No matter how busy he was he was always reachable. From our initial call right through to settlement, the service provided by Derrick has been exceptional. Highly recommended."
- Tony Pritchard
★★★★★
"Derrick has assisted me with structuring various complex deals and is my go-to broker for every project. Derrick is very solutions-focused and always makes time to walk us through different options and issues. Derrick is always very prompt, even in the evening and on weekends, and even worked during Easter to ensure that we were ready to settle during a very short settlement period. Thank you so much for a l your help, wi l definitely be back for the next project!"
- David Indula
★★★★★
"Working with Paul Kelly was one of the best decisions I made during my home buying journey. From start to finish, he made the entire mortgage process smooth, clear, and stress-free. Paul took the time to explain everything in detail, always making sure I felt informed and confident at every step.
He worked hard to find the best loan options tailored to my financial situation and were incredibly responsive, organised, and proactive throughout the process. Even when things got complicated or time-sensitive, Paul remained calm, professional, and solution-focused.
Thanks to his expertise and dedication, I was able to secure a great deal and settle on time without any surprises. I truly felt like I had someone in my corner the whole way through.
If you're looking for a mortgage broker who genuinely cares, communicates well, and delivers results, then seek no further and contact Paul Kelly at FINR Advisory. A true professional who goes above and beyond!"
- Novak William
★★★★★
"We’ve had the pleasure of working with Paul from FINR Advisory on two occasions now, and both experiences have been nothing short of excellent.
The first time was for our initial home loan. Despite multiple delays with our builder that required the process to be done three times, Paul and his team handled everything seamlessly and made the experience stress-free for us. His professionalism and patience stood out right from the beginning.
Most recently, Paul reached out to us for a loan review to explore refinancing and investment opportunities. What impressed us most was his commitment to going above and beyond—he didn’t just secure one valuation, but went to three different valuators for our home to make sure we received the best possible valuation and rate in the market. That extra effort shows how much he prioritises his clients’ best interests.
Even when another bank offered us a direct rate, we chose to stay with Paul and FINR Advisory because of the trust, dedication, and personalised service we’ve consistently experienced.
We first met Derrick in 2021, and from that point on, we’ve been recommending FINR Advisory to friends and will continue to do so.
If you’re looking for someone who genuinely works with your best interest at heart, we highly recommend Paul and the team at FINR Advisory."
- Joyce