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We give people an advantage

in an industry that too often takes advantage.

It's called

your unfair advantage.

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Why Us

It’s our duty to look after your best interests. Seriously.

It seems crazy, but mortgage brokers are the only loan and finance professionals legally required to act within their client’s best interests. That’s why your local banker can and probably will take advantage of you. So don’t let them. Let us turn that advantage in your favour by securing you the best deal in the market. Every time.

If you’d like to know more about this law, search ‘Best Interest Duty’.

We know the financial industry like the back of our hand.

Before we started mortgage broking, we worked for the banks. Which means we know exactly how they play the game and now it’s our turn to play them, for you.

We can help you navigate the loan application and credit review process across all types of lending; home buyers, investors, self-employed workers, medical professionals, SME businesses and ASX listed companies.

We’ve been looking after our clients for 15 years.

5,475 days. That’s how long we’ve been in the banking and mortgage broking industry. During that time, we’ve figured out that looking after our clients doesn’t just mean sophisticated financial servicing. It means a good experience too. No stress. No confusion. No dramas. Nothing but the best outcome for you and your finances.

What We Offer

Banks only ever give you access to one lender. Themselves. But when you choose us, you’ll have the advantage of over 35 residential lenders to choose from. We have solutions for:

  • Owner Occupier Home Loans
  • First Home Buyers
  • Construction and renovation loans
  • Investors
  • Upgrading or downgrading your home

Here’s an unfair advantage for you – we have access to all major and alternative lenders. This means we can help you strike a great deal when it comes to:

  • Business and Commercial loans (secured and unsecured) for commercial property purchases or refinances
  • Overdrafts and Bank Guarantees.

Don’t get taken for a ride by one lender. Let us explore our wide range of bank and non-bank finance options to secure you the best rate. We can help with:

  • Consumer vehicle loans
  • Equipment and Asset Finance loans
  • Business vehicle loans

Get the upper hand on irregular cash flow. We can help you keep your business flowing, even when the money’s not, with solutions like:

  • Debtor Finance
  • Trade Finance
  • Leverage cashflow for unsecured business and commercial loans without property security.

Half a percent can be the difference in successful development projects. So let us dot the I’s and cross the T’s so you can focus on the bigger picture. Here’s what we can do:

  • Loans for the construction of residential or commercial developments
  • Residual Stock loans.
  • Bank and non-bank lenders available

Our Story

Will founded Harbord Finance with a very clear purpose: to give people an advantage in an industry they’re too often taken advantage of.

See, having worked for banks in the past, Will was well aware of the one-size-fits-all product they spruik. The self-serving advice they offer. The high rates they make people lock-in.

So after switching to mortgage broking – where he got an idea of what financial servicing could look like – Will decided to start his own thing: Harbord Finance. A business founded on the promise to always act in the customers’ best interests, not the banks.

That’s why it doesn’t matter if you’re a first home buyer, a business owner or even a sophisticated investor, you can count on us to give you the upper hand on your finances. It’s what we call, your unfair advantage.

Your Unfair Advantage

Our vision is to be your unfair advantage; the competitive edge you need to secure a win when it comes to your financial needs, goals and objectives.

To do this, we can’t just keep peddling the same old one-size-fits-all product like the banks. We need to offer bespoke financial solutions tailored to each customer. That’s why we’ll always take the time to have a chat and understand what you want to achieve, before we give you the answer.

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