First home buyer
Buying your first home is an exciting...
Get Started
Credific Finance is a trusted mortgage broker in Sydney, helping home buyers, investors, and refinancers find the right loan with confidence. Our personalised advice ensures you receive tailored home loan solution.
We compare multiple lenders to secure competitive rates and flexible loan structures. Whether you’re applying for a new home loan or exploring a refinance home loan, clients count on us to deliver the best value and long-term savings.
We help you understand your property valuation, borrowing capacity, and equity, ensuring smarter financial decisions throughout your lending journey.
From pre-approval to settlement, our streamlined process saves you time and stress. We manage the paperwork, lender communication, and application steps to make your mortgage or refinance journey smooth, transparent, and hassle-free.
The process starts with a few simple questions to understand your goals, current financial situation, and desired outcomes.
Our team of experienced mortgage advisors will work closely with you to understand your financial situation. Let us take the stress out of the numbers so you can focus on finding the perfect home for you and your family.
Whether buying, refinancing, or investing, we make the loan process simple. Compare competitive rates, flexible repayments, and features like offset accounts and redraw facilities with our expert guidance.
We use our lending expertise to streamline pre-approval, helping you overcome hurdles and secure your home loan with confidence.
Once your application and valuation are complete, the lender grants unconditional approval and prepares your loan offer, smoothing the way to homeownership.
After your home loan is approved, we guide you through the loan agreement and settlement, providing ongoing support and updates to make your mortgage journey smooth and stress-free.
Guide to Land & Construction Loans From choosing land → valuation → progress payments → handover If you're exploring real...
READ MORE
Buying your first home is one of the biggest milestones in life — exciting, rewarding, and sometimes overwhelming. At Credific...
READ MORE
Buying your first home is exciting, but the mortgage process can feel overwhelming. A home loan pre approval gives...
READ MORE
The Australian Prudential Regulation Authority (APRA) has introduced new limits on high debt-to-income (DTI) loans, aiming to reduce financial risk...
READ MORE
How to Use Your Super to Buy Investment Property With the Right SMSF Loan Strategy Using your super to buy...
READ MORE
Most Australian homeowners are sitting on a loan they set up years ago, quietly paying thousands more than they...
READ MORE
Buying your first home in Sydney is exciting — but it can also feel overwhelming. Whether you’re looking for a...
READ MORE
🏡 Looking to save money, access equity, or secure better loan terms? Refinancing your home loan could be the smart...
READ MORE
Buying a home in Sydney is exciting, but navigating mortgages and home loans can be overwhelming. Whether you’re a first-time...
READ MORE
The Reserve Bank has the cash rate in a holding pattern, and several of the big banks have scaled back...
READ MORE
Nicole Kidman and Keith Urban are making headlines, having reportedly called time on their 19-year marriage. If you’re also facing...
READ MORE
Switching to a new home loan might sound like a hassle. But new research shows brokers don’t just make refinancing...
READ MORE
The clock is ticking towards the festive season, and home buyers still have a small window of opportunity to be...
READ MORE
If you’re like most first home buyers, you’ve probably realised by now that saving up for a 20% deposit can...
READ MORE
Spring is traditionally the peak season for property, and three rate cuts this year could further fuel buyer competition. Check...
READ MORE
The popular Home Guarantee Scheme that lets first home buyers get into the market with just a 5% deposit has...
READ MORE
Three rate cuts since February have spurred home owners to take a closer look at their home loan. Turns out...
READ MORE
Borrowers around the country have been delivered a sunnier financial outlook this month after the Reserve Bank of Australia (RBA)...
READ MORE
Buying a first home isn’t always easy, and first-timers sometimes miss out on a place they’ve set their heart on....
READ MORE
Location, location, location. Or should we say: education, education, education. New research shows homes in the catchment areas of sought-after...
READ MORE
If you haven’t checked your borrowing power recently, it might be worth another look. A lot has happened in 2025,...
READ MORE
Home owners hoping for rate relief in July may be disappointed, but it’s still possible to score a rate cut...
READ MORE
Growing a 20% deposit isn’t just challenging. It can be a (very) long slog. Fortunately, 50,000 new places in the...
READ MORE
Finding the property that’s right for you and your budget is an exciting milestone! But what happens next? We explain...
READ MORE
Here’s some warming news for winter – first home buyers are making a welcome return to the property market. Several...
READ MORE
Property values nationally have passed a major milestone with the average home price pushing through the $1 million mark for...
READ MORE
With winter temps falling, chances are your power bills will rise. This helps explain why buyers are willing to pay...
READ MORE
It’s a common belief that real estate values double every decade. But is this true? New research reveals how much...
READ MORE
Did you know that the average home owner saw their property’s value rise $46,000 per year over the past five...
READ MORE
You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan...
READ MORE
Saving for a 20% house deposit is like house training a wilful Labrador. It requires plenty of patience and persistence....
READ MORE
Negative gearing is back in the headlines — but what does it actually mean, and how could it impact your...
READ MORE
