About Us

Ability Finance is an independently owned and operated finance broking company offering most types of residential home loans and commercial property finance including competitive finance for cars, vehicles, fleet, plant or equipment.

Customers include no deposit first home buyers, companies and trusts, property investors & credit impaired borrowers who are either purchasing property or restructuring and refinancing existing loans.

More than one choice is nearly always available to most home loan applicants and Ability Finance take time to ensure clients are aware of our available options and the reasons behind why any loan is being recommended.

Helping clients choose and then apply for the most cost effective finance we have available  is just the beginning with Ability Finance.

The company will always offer ongoing support for all  clients and business partners into the future. Potential borrowers, existing clients, suppliers and partners alike are essential to the company that specialises in connecting people with the best solutions we can find.

More than 50 lenders, hundreds of loan and finance options, no obligation or pressure, we will arrange to meet customers when and where it is convenient.

What We Offer

• Relevant, current information and loan comparisons to assist in selecting a loan that best meets individual requirements.

• Detailed reporting of all features and costs associated with a selected loan.

• An indication as to what repayments will be for a selected loan.

• Preparation of applications that exceed or at least meet lender requirements.

• Submit loan applications in a manner which will ensure the quickest possible result.

• Communicate with the chosen lender and keep clients informed of the progress of their application.

• Maintain contact with all clients after a loan has settled to provide any other assistance and monitor the effectiveness of existing finance.

Ability Finance do not charge customers for consultations or for preparing and submitting home loan applications and it makes no difference if an application is successful or unsuccessful, Ability Finance will not charge a customer additional finance broking fees for residential property finance.

Ability Finance Australia mortgage broker.
The reason we do not charge upfront or additional brokerage fees is that like all finance and home loan brokers known to Ability Finance, the banks and other lenders of both home loans and most other types of finance pay Ability Finance as an accredited broker to prepare and submit your application one the application is approved and the loan funds are drawn. Ability Finance aim to provide our customers with a level of service that will earn a level of satisfaction and confidence where Ability Finance is unreservedly recommended to friends, family, acquaintances and work colleagues.
The actual bank or lender and loan chosen is entirely up to you. Ability Finance can show side by side comparisons of many loans and provide information such as the fees, charges and other features and benefits a loan or home loan product may have. Don’t sign anything until you have at least seen the range of loan and home loan products that are available through Ability Finance and as always, you have received independent and professional advice!

Ability Finance consultants are members of the Mortgage & Finance Association of Australia and the Credit Ombudsman Service Limited. Ability Finance will do more than simply prepare and lodge your home loan application. Ability Finance monitor the progress of every home loan application right through to actual settlement, keeping clients informed every step of the way. Once your loan has settled Ability Finance will always be at hand to assist with any changes to your finance such as increases or decreases or even to simply check that the home loan you have chosen is still competitive. You may be looking to save money and reduce a home loan quicker or borrow to invest or simply seeking peace of mind in the fact you have made an informed decision and selected a loan product that meets both your budget and needs. Ability Finance are able to save you time and provide you with the convenience of comparing literally hundreds of different loan products from over fifty lenders at the one time and place.

... it is your ability to choose...

Ability Finance Pty Ltd provides clients with access to a wide range of banks and lending institutions such as Adelaide Bank, Australia First Mortgage, AMP Banking, ANZ, ASMM, Bank of Queensland, Bankwest, Better Mortgage Company, Bluestone Mortgages, BMW Finance, CAPE, Carrington National, Challenger, Citibank, Colonial, Collins Securities, Commonwealth Bank, Connective, Debt Rescue, Deposit Power, DJ Capital, First Permanent, Establishment Home Loan, FirstMac, GE Personal Loan, GE Money, Genworth, Heritage Building Society, Homeloans Limited, Homeside Lending, IMB Building Society, ING Bank, Iden Leasing, Jump Start, LaTrobe, Liberty Financial, Macquarie Bank, MacLease, Mortgage Asset Services, Maxis Home Loans, Mortgage Broker Alliance, Mainstream Capital Co, National Australia Bank, Paramount Leasing, Paramount Mortgages, Paramount Leasing, Pepper Home Loans, PMI Mortgage Insurance, Provident Inventory Finance, RAMS, St George Bank Ltd, Suncorp Metway, The Rock Building Society, Think Tank, Violet Home Loans, Westpac Bank.

Access to a wide range of lenders such as this can provide in excess of 1000 different loan products from categories such as basic variable interest rate home loans, standard variable interest rate home loans, low deposit home loans, no deposit home loans, lo doc home loans, no doc home loans, line of credit home loans, professional package home loans, introductory discount interest rate home loans, interest only home loans, 1 year fixed interest rate home loans, 2 year fixed interest rate home loans, 3 year fixed interest rate home loans, 4 year fixed interest rate home loans, 5 year fixed interest rate home loans, long term fixed interest rate home loans, home loans for credit impaired applicants, lo doc home loans for credit impaired applicants, full doc home loans, self certified income home loans, moving and relocation home loans, bridging finance, commercial property loans, residential owner occupier home loans, residential investment property home loans, personal loans, lease and leasing, hire purchase, chattel mortgage's, professional pack line of credit home loans, residential property secured investment loans, owner occupier loans, principal and interest loans, home loans, first mortgages, second mortgages, car loans, plant and equipment loans, fleet finance, debt consolidation loans, loans with other banking services included, loans with credit cards included, loans with free ATM access and cards included, equity home loans, refinance home loans, construction home loans, owner builder home loans, home improvement loans, capitalised interest loans, offset home loans, home loans and mortgages with redraw, home loans and mortgages with payment pause available, home loans for first home buyers, home loans with the first home owners grant used in the deposit, home loans that allow extra repayments to be made, loans and home loans that do not have break costs, company loans and mortgages for residential and commercial property, trust loans and mortgages for residential and commercial property, loans and mortgages for business purposes, guarantor loans, foreign currency home loans in currencies such as US dollars, Hong Kong dollars, UK Pounds Sterling, Singapore Dollars, New Zealand Dollars and Euro.

Where We Deliver

Generally anywhere in New South Wales although we can help interstate borrowers anywhere in Australia except for residents of Western Australia due to licensing regulation. Ability Finance can also help Australian expats seeking foreign currency loans and foreign investors seeking foreign currency loans to purchase property in Australia.