Firma Finance helps young families and mining & resources workers across the Illawarra find finance that actually fits their life — not just the loan that's easiest to sell.
From your first pre-approval to upsizing for a growing family, we explain the numbers in plain English and structure your loan around school zones, budgets, and the life you're actually building — not just the biggest number a bank will lend you.
Rosters, allowances, overtime and site-based pay confuse a lot of lenders. We work with brokers and lenders who know how to read a mining payslip properly, so your income is assessed for what it really is.
Every client gets the same thing: a clear comparison, straight answers, and someone who picks up the phone.
Grants, guarantees and lender options explained simply, from pre-approval through to settlement.
Structuring finance to grow a portfolio, with an eye on serviceability and long-term strategy.
A health check on your current loan to see if your rate, structure or lender still stacks up.
Progress-payment loans for owner-builders and new builds, coordinated with your builder's schedule.
A free, no-obligation chat about your situation, your goals, and what's realistic.
We go through options across our panel of lenders and lay out the real trade-offs.
We manage the paperwork and keep you updated, so nothing falls through the cracks.
Placeholder quotes below — swap these for real client feedback once you have some (see the note in the HTML comments for exactly where to edit).
Ellis explained everything in plain English and never made us feel rushed. We had no idea what we were doing as first home buyers and now we're in our own place.
Finally a broker who understood my roster and site allowances instead of just asking for a standard payslip. Made the whole process so much easier.
We refinanced through Firma Finance and ended up with a much better rate. Ellis kept us updated the whole way through and answered every question.
Firma Finance is run by Ellis, based right here in Wollongong. Having a broker who's local, and who genuinely understands the Illawarra — from young families settling down to workers on mining rosters — means advice that actually fits your circumstances.
No jargon, no pressure, and no disappearing after settlement. Just straight, honest advice from someone who picks up the phone.
Pick a time that suits you below — no cost, no obligation, just a straightforward conversation.
Prefer to just call or email? 0401 313 331 or ellis@firmafinance.com.au
