IFA Mortgages & Finance

Business Details

17 Years

experience

Your Trusted Mortgage Broker in Sydney

IFA Mortgages & Finance has been a trusted name in the mortgage broking industry since 2009, delivering tailored financial solutions to clients across Sydney and New South Wales. Our team of experienced brokers, including industry veterans with over 30 years of combined expertise, specialises in navigating complex loan markets to secure optimal outcomes for homeowners, investors, and first-time buyers. We maintain a client-centric approach, offering access to a panel of 40+ lenders while implementing proactive annual loan reviews to ensure ongoing financial alignment.

Our commitment to transparency, regulatory compliance, and continuous market analysis has earned us a 5-star service rating from 50+ Google Reviews. With dedicated operations and retention teams, we provide end-to-end support from initial consultation through settlement and beyond, ensuring clients benefit from competitive rates and evolving financial strategies throughout their homeownership journey.

Services

Refinancing First Home Buyers Loan Portfolio Review Investment Purchases Home Loan Purchases Family Guarantor Loans Renovation Loans Self Managed Super Funds Debt Consolidation Asset Finance

Details

Year established: 2009

Highlights and features

We offer 16 years of mortgage broking expertise with 40+ lender partnerships
Our team includes brokers with over 30 years of combined industry experience
We guarantee annual loan portfolio reviews to maintain financial alignment
Our retention team ensures ongoing compliance and rate optimisation
We provide tailored strategies for first-home buyers and property investors

What people say

5-star service Annual loan reviews Expert guidance Dedicated support 40+ lenders

Website

Update Listing

Services

Refinancing

Our refinancing service helps homeowners secure better interest rates, reduce repayments, or access equity. We analyse market trends and negotiate with lenders to optimise loan terms. Clients benefit from lower monthly payments and improved financial flexibility through tailored refinancing solutions.

First Home Buyers

Specialised support for first-time purchasers navigating government grants, low-deposit schemes, and loan applications. We simplify the process through 5% deposit options and LMI waivers. Clients receive strategic advice to enter the property market with confidence and financial security.

Investment Purchases

We facilitate property investments with strategies for rental income optimisation and capital growth. Services include portfolio diversification and tax-effective structuring. Investors gain access to commercial property opportunities and equity leveraging techniques for long-term wealth creation.

Debt Consolidation

This service combines multiple debts into a single home loan with reduced interest rates. We streamline repayments and lower overall financial stress through equity-based consolidation. Clients achieve improved cash flow management and accelerated debt reduction timelines.

Renovation Loans

Tailored financing for home improvements with staged fund releases aligned to construction progress. We support value-adding projects through construction loans and equity redraw facilities. Clients benefit from increased property valuation and customised living space upgrades.

People

Anthony O'Flynn

Senior Mortgage Broker / Co Owner

With 30+ years in finance and 16 years operating IFA Mortgages, Anthony provides expert mortgage advice and wealth coaching. He manages business operations and ensures client satisfaction through personalised service.

Luke Harborne

Senior Mortgage Broker / Co Owner

A key team member since 2014, Luke specialises in first-home purchases and investment portfolios. His industry experience since 2017 informs strategic mortgage solutions for clients' property goals.

Paul Kyriacou

Mortgage Broker

Qualified broker since 2023, Paul leverages four years of IFA training to deliver innovative loan strategies. He focuses on application assistance and client communication with proven expertise in mortgage systems.

Kellan Elder

Operations Manager

Managing day-to-day operations, Kellan ensures efficient loan processing and team coordination. His leadership maintains service quality across all mortgage transactions and client interactions.

Georgie Byrnes

Lending Associate

Specialising in loan processing and client strategy, Georgie provides expert support through all stages of mortgage applications. Her attention to detail ensures compliance and timely loan approvals.

Questions

What mortgage services does IFA Mortgages & Finance offer?

We provide refinancing, first-home buyer assistance, investment property loans, debt consolidation, renovation financing, and SMSF property solutions across Sydney and NSW.

How do annual loan reviews benefit clients?

Our mandatory 1-2 yearly reviews assess interest rates, loan features, and financial goals to ensure ongoing alignment with market conditions and personal circumstances.

Can first-home buyers access government grants?

Yes, we help clients navigate schemes like the $10,000 First Home Owner Grant, stamp duty exemptions, and 5% deposit options without LMI requirements.

What debt consolidation options exist?

We offer home loan top-ups, equity-based refinancing, and personal loan consolidation to reduce interest costs and simplify repayments for multiple debts.

How does the refinancing process work?

We analyse current loans, negotiate rate reductions with existing lenders, and explore refinancing options to secure better terms and lower repayments for clients.

What SMSF loan options are available?

We facilitate property investments through self-managed super funds, including limited recourse borrowing arrangements and pension-phase strategies for retirement planning.

Reviews (6)

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Sep 03, 2021 Report

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Tess Sloane

Apr 05, 2021 Report

Anthony went above and beyond to help us with our first home loan. We couldn't have done it without him. Highly recommend. Thank you to Anthony and the team! We are so happy to have a place to call our own.

David Yip

Mar 28, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Anthony was super helpful from the get go. Walking us through the process of our first homeloan, ensuring we understood the process. Great service. Definitely use again.