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We’re more than
mortgage brokers

We’re advocates for Australia’s business community.

Our diverse range of specialist financing services caters to the unique needs of leading businesses and achievers of Australian business.

Home
Loans

Service Home Loans

Whether you’re a first home buyer or adding to your portfolio, we’re focused on helping self-employed borrowers secure the best home loan deal possible, no matter how complex your income is.

Commercial
Property Loans

Commercial Property Loans

Give your big ideas the space to grow. From office spaces to warehousing, a retail storefront, or a high potential development site, we’ll help you navigate the intricate process of securing financing for your next premises.

Business
Loans

Business Loans

With fast, flexible, and tailored financing solutions, businesses of any size can rely on our expertise. We work with traditional banks, specialist lenders, and private lending to find financing that helps you seize opportunities and grow your business.

Financing tailored to your entrepreneurial journey

Conventional lenders often don’t cater to self-employed clients with complex financial circumstances

That’s why we’re here—to give you the certainty of finance needed to confidently move forward in your personal and business life. With over a decade of experience in the industry, we specialise in navigating the unique challenges faced by big thinkers and fast movers.

Learn More

Achieving Certainty of Finance for Australian Business Owners in their life’s most important transactions

Simple solutions to complex financial needs

More than mortgage brokers, our team empowers entrepreneurship. We’re with you every step of the way, supporting your business growth and personal goals so you can confidently plan and secure your financial future. With strategic advice and actionable plans, your success is in expert hands.

Meet the Team
Simple solutions to complex financial needs
Founded in 2013
Settled $1 Billion
Over 40 lenders

Industry
Specialties

We work with self-employed professionals, business owners and talented entrepreneurs in every field.

Our diverse experience allows us to go deeper, think differently, and rely on specialist expertise to deliver confidence and reliability, no matter what industry you’re in.

self-employed professionals

Leading The Future of Mortgage Broking

Our video content offers a deep dive into the expertise, strategies, and innovative solutions that set us apart.

Discover how our team is redefining the mortgage experience for self-employed clients and business owners, providing clarity, confidence, and tailored financial solutions in every transaction. Subscribe to our YouTube Channel to see how we lead the way in modern mortgage broking.

Visit Our Channel

Stay in the know with our Expert Resources

At SF Capital, we believe informed clients make empowered decisions. Our Resources hub is your trusted destination for expert insights, informative videos, and practical guides on all things finance and property.

Whether you’re navigating the complexities of securing a loan or simply looking to expand your financial knowledge, our curated content is designed to help you every step of the way.

Self-Employed
Lending Guide

Everything the business owner needs to know to get their loan approved.

The Self-Employed Lending Guide

Next Home
Buyers Guide

This guide is for existing homeowners looking to upsize and upgrade to their next home.

Next Home Buyers Guide

Useful
Calculators

Explore our lending calculators to estimate your borrowing power, compare loan options, and plan your repayments.

Useful Calculators
5
Based on 192 reviews
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  • I’ve known Tommy Lim of SF Capital for many years and I’m so impressed with his service and knowledge of the finance Industry. Highly recommended.

    Bruce Whall

    Tommy and the team were awesome throughout the process of getting a business loan; I found Tommy understood the nuances of small businesses and how to extract the maximum loans from the numbers. Even though NAB threw a last minute curveball, Tommy diligently worked through the details and got it... read more

    Nav Lal

    Tommy, Priscilla and Alexey (and the lovely crew behind the scenes) are true professionals. They were collectively a bright spark in a pretty rough and rapid first home buying journey. We really, truly appreciated their kindness and expertise in guiding us to make strong decisions that we feel really good about and... read more

    Kanil Fernando

    It is now some 4-5 years since SF Capital have been taking care of my mortgage needs. We have worked on multiple mortgages, both personal and investment, in that time. They are a skilled and professional team. Excellent communication. Priscilla and Alexey have been fantastic to work with and I... read more

    Nirosha Paramanathan
  • Super professional and a safe pair of hands to get you the best loan for your needs. Six star experience with Tommy and the team at SF Capital! Highly recommend for both simple and more complex borrowers.

    Godfrey

    I had an exceptional experience working with SF Capital! From start to finish, Tommy made the entire mortgage process straightforward, transparent, and stress-free. Tommy took the time to thoroughly understand my financial needs and goals, offering expert advice and answering all my questions with patience and clarity. The level of... read more

    Neil Marshall

    Tommy is the ultimate professional. Very well versed in complex lending options and has the ability to speak with a lot of clarity on them. He is also a diligent and communication focussed professional and can endorse him to meet your lending needs!

    Daniel Bligh

    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... read more

    Tara H
  • 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... read more

    phil mason

    Such good service from start to finish! Highly recommend Tommy and his team!

    Mitchell Kim

    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

    Walid Yassine

    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... read more

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    Linda Robson
  • 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

    Laura Sharpe
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