We’re not just a Finance Broking firm but the financial partner to your personal, professional and business goals.
Most finance brokers work solo with limited support. This creates a dependency risk for you if the broker is sick, goes on holiday or simply has a bad day.
At SF Capital, you will always have at least 2 points of contact for every loan application. We work as a leveraged team with an accredited broker holding full accountability for your matter and one or more support staff to assist. This ensures an exceptional level of service where your loan is processed efficiently and with no errors.
Some brokers claim to be “professionals” but have undertaken no or minimal tertiary education. We take pride in the fact all accredited broking staff are tertiary qualified.
Our team chose to be finance brokers specialising in personal and business finance, whereas they could have had their choice of top jobs in professional services, technology companies and large corporations.
We take getting you the best rate as given. Instead we focus on understanding your requirements and the key issues in your scenario that will help you achieve your goals.
We then work on developing the strategy and identifying the most competitive lenders that provide solutions to your challenges, negotiating your rates at the same time. By contrast other brokers will simply focus on the lowest rates or the products they are familiar with, not knowing if they are the right solution for you.
Some brokers “try their luck”, submitting your loan not knowing if it will get approved. At SF Capital, we will always make sure we submit your strongest application first, ensuring your loan will be approved the first time with your preferred lender.
Wherever possible, your submission will be backed by our Approval Guarantee and On-Time Guarantee.
Many brokers will set up your loan, and forget about it indefinitely. By contrast, we will monitor your loan each year to make sure you are getting the best possible rate from your nominated lender, and also check-in on your property and finance goals.
Where there is a material financial or strategic benefit, we will help you smoothly refinance your loan to another lender to optimise your loan portfolio, release equity for your next property purchase, or assist with your investment goals.
We provide both Residential and Commercial Broking Services whereas most broking firms and solo brokers have experience in Residential lending only.
We can handle the full spectrum of lending requirements and scenarios, from expat lending, construction loans, smsf loans and bridging loans for Residential borrowers, to commercial property, property development finance, and private lending for Commercial clients.
For First Home Buyers – we will teach you how a loan works, the basics of loan structuring, important loan features, and the steps to purchasing a property.
For Experienced Home Buyers & Business Owners – we will advise you on how to optimise your loan portfolio, the key steps and considerations for more advanced transactions, and learning opportunities from other clients.
Many brokers place deals in the “too hard” basket, deeming a scenario too complex or not worth their time. In reality, many do not have the technical ability to assess complex financials or understand your scenario in the first place.
SF Capital Brokers thrive on the complex and solving niche scenarios. We apply rigorous analysis, research and data to find you the answers, and are committed to putting in the hard work to present you with solutions to your challenges.
We take pride in the network of clients we have served and the talented business partners we have worked with. As you get to know us, our staff will actively work to introduce our contacts and network that will benefit you beyond just finance.
We also hold many formal and informal gatherings where we get clients and partners together solely for the purposes of relationship building, strengthening networks and joint learning.
Our experience covers the full spectrum of lending, no matter how tricky or complex, especially for residential home lending. For clients that follow our process and where our in-house assessment yields a positive result, we will GUARANTEE your loan gets approved, settles on time and you get the most competitive rate for your chosen lender.
We are leaders and achievers in our own right. In July 2016, SF Capital was awarded the Mortgage and Finance Association of Australia’s National Newcomer Award.
