Margaret Rochford

FinRoc Finance is a specialist finance and mortgage broker serving clients across the Lower North Shore. We provide comprehensive mortgage broking services including home loans for first-time buyers, property investors, and those looking to refinance existing mortgages. Our services extend to commercial finance, business loans, equipment finance, and personal lending solutions. We work with over 40 lenders across Australia to secure suitable finance options for our clients' specific circumstances. Our experienced brokers handle the entire application process from initial consultation through to settlement, ensuring you receive professional guidance at every step of your finance journey.

The mortgage application timeline varies depending on several factors including lender choice, loan complexity, and how quickly documentation is provided. Generally, pre-approval can be obtained within 3-5 business days once we submit a complete application. Full approval typically takes 7-14 business days for standard applications. More complex situations involving self-employed borrowers, investment properties, or non-standard lending may require additional time. At FinRoc Finance, we work diligently to expedite the process by ensuring applications are complete and accurate before submission. We maintain regular communication with lenders and keep you informed of progress throughout the entire application journey.

When you work with FinRoc Finance, you gain access to a wide network of lenders rather than being limited to one institution's products. Our brokers compare loan options from multiple lenders to identify solutions that match your financial situation and goals. We handle the paperwork, liaise with lenders on your behalf, and provide expert advice throughout the process. Unlike bank staff who only offer their employer's products, our brokers have obligations to act in your interests. We also provide ongoing support after settlement, helping with refinancing opportunities and loan reviews as your circumstances change.

FinRoc Finance operates on a commission basis, meaning our standard mortgage broking services don't cost you anything directly. We receive remuneration from the lender when your loan settles. This arrangement ensures our services are accessible to all clients regardless of loan size. Some specialist services such as commercial finance or complex structuring may involve additional fees, which we'll discuss transparently before proceeding. You'll still need to budget for standard loan costs including application fees, valuation fees, legal costs, stamp duty, and mortgage registration fees. We provide detailed cost breakdowns so you understand all expenses involved in your finance transaction.

FinRoc Finance recommends reviewing your mortgage annually or whenever your circumstances change significantly. Regular reviews ensure you're receiving value from your current lending arrangement and taking advantage of market opportunities. Interest rate changes, new loan products, and improvements in your financial position may present refinancing opportunities that could save thousands of dollars annually. We also recommend reviews when considering major purchases, investment opportunities, or debt consolidation strategies. Our ongoing client relationships mean we proactively contact you when beneficial opportunities arise. These reviews help ensure your mortgage continues supporting your long-term financial goals rather than becoming a burden on your household budget.

If your initial loan application is declined, FinRoc Finance doesn't give up on your finance goals. We analyse the reasons for decline and work with you to address any issues identified by the lender. This might involve improving your credit profile, adjusting loan amounts, or sourcing alternative lender options. Our extensive lender panel means we can approach institutions with different lending criteria that may be more suitable for your circumstances. We provide clear guidance on steps needed to strengthen your application and realistic timeframes for reapplying. Our brokers have successfully secured finance for many clients after initial setbacks.

FinRoc Finance arranges various commercial finance solutions for businesses across the Lower North Shore. Our commercial lending services include property acquisition loans for office spaces, retail premises, and industrial properties. We also arrange business loans for working capital, equipment finance for machinery and vehicles, and development finance for commercial projects. Our commercial brokers understand the unique requirements of different industries and work with specialist commercial lenders. We assist with loan structuring, security arrangements, and ensuring finance terms align with your business cash flow patterns. Our ongoing relationship includes regular reviews to ensure your finance continues meeting business needs.

FinRoc Finance has extensive experience helping Lower North Shore clients build investment property portfolios. We understand the unique requirements of investment lending including rental yield calculations, negative gearing implications, and tax considerations. Our brokers work with lenders who actively support investment lending and can structure loans to maximise your borrowing capacity. We assist with both residential and commercial investment properties, helping you understand serviceability requirements and deposit obligations. Our service includes ongoing portfolio reviews, helping you refinance or restructure existing investment loans as your portfolio grows and market conditions change.

FinRoc Finance provides dedicated support for first-time home buyers throughout the Lower North Shore, helping you understand the entire home buying process. We explain different loan types, government grants, and stamp duty concessions available to first-time buyers in New South Wales. Our brokers help you determine realistic borrowing capacity and provide guidance on deposit requirements, including options for smaller deposits with lenders mortgage insurance. We coordinate with your solicitor and real estate agent to ensure smooth settlement processes. Additionally, we provide education about ongoing loan management, budgeting for home ownership costs, and future refinancing opportunities.

For a home loan application through FinRoc Finance, you'll typically need recent payslips (usually the last two), tax returns and notices of assessment from the past two years, and bank statements covering three to six months. We'll also require identification documents such as your driver's licence and passport. If you're self-employed, additional documentation including business financial statements, BAS statements, and accountant letters may be necessary. Property investors will need rental agreements and depreciation schedules. Our brokers provide a comprehensive checklist tailored to your specific situation and loan type, ensuring you have everything required before submitting your application.