About Us

At Foster Finance we believe that home loans should be simple to understand, easy to access and give you peace of mind

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Calculators

USE OUR CALCULATORS TO FIND OUT
HOW MUCH YOU CAN BORROW

these tools give you a better insight into
how the banks may view your loan application
more details

News & Resources

WE WORK HARD TO MAKE SURE THAT
YOU UNDERSTAND WHAT IS GOING ON
IN THE FINANCE INDUSTRY

Professional Mortgage Advice

Buying real estate can be a daunting experience, no matter whether you are buying your first property, upgrading your family home or building an investment portfolio. There is always so much to consider when taking out a loan, which is why it is vital to use an expert who understands your financial situation and can find the best loan to suit your objectives.

Our aim at Foster Finance is to support and guide you through your property purchase, from finding you the most suitable loan and explaining the home loan approval process, through to dealing with the bank on your behalf with loan documentation and the settlement of the property.

We are also experts at ensuring that your current home loan structure is the most suitable for your situation. Since you took out your original loan both your objectives and the home loan market may have changed, and we can help you to reorganise your loans so that they are structured in the cheapest and most effective way.

About Us

At Foster Finance we believe that loan products should be easy to understand, easy to access and allow you peace of mind.

We want you to think of us as a professional resource in the same way you think of your accountant, financial planner or solicitor (but without the fees!). We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.

We will work with your solicitor and real estate agent during your purchasing process, while ensuring we keep you up to date so that you always feel in control of the transaction.

Please feel free to call the office any time – we are here to help you in any way we can.

Will Foster

Director

Will has been employed in the financial services industry since 1999, and after spending some time working for a major bank became a mortgage broker in 2004. Will has helped thousands of clients access finance to assist with their property and investment goals, and is passionate about continuing to help new and existing customers to structure their finances in the most inexpensive and efficient way.

You can contact Will on:

Sam Mullens

Credit Advisor

Sam has been a part of Foster Finance since 2014, where he worked closely with Will in loan processing, loan maintenance, and client services. In 2016 Sam became a Mortgage Broker and has since helped Foster Finance clients access credit for purchasing property, refinancing and asset finance.

You can contact Sam on:

Melissa Mangan

Client Services Manager – Credit Advisor

Mel joined our team in 2016 after 6 years’ experience in the finance industry as an Executive Assistant. Mel holds a Certificate IV in Business Administration, Diploma in Business Marketing and a Diploma in Mortgage Broking. With a great attention to detail, Mel is a friendly point of call who oversees the process of all loan applications.

Alongside our Director Will Foster, Mel will assist in providing stress-free guidance throughout the loan application. From negotiating approvals with credit teams, requesting the best possible pricing for clients, arranging signing of loan documents and managing the client services team, Mel ensures each loan is progressing through the settlement process as quickly as possible.

If you have any questions or concerns through your loan process, Mel will be more than happy to assist. The team at Foster Finance offer professional mortgage advise and will always endeavour to help in any way we can.

You can contact Mel on:

Sally Mutton

Client Services

Sally has been an integral part of the Foster Finance team since 2014 focusing on communications, mortgage support and servicing clients.  Sally worked in the Public Relations industry for many years before joining Foster Finance.

Working closely with Will she has further expanded her knowledge and experience in all aspects of financial management and mortgage broking. In addition to her experience, Sally has completed her Certificate IV in Financial Services (Finance/Mortgage Broking) and her Diploma in Financial Services.

You can contact Sally on:

Subodh Adhikari

Client Services Manager

Subodh has been part of Foster Finance since August 2019. Subodh holds a Diploma in Business Administration & Marketing and has completed his BBA Graduate specializing in Commerce and Management from Monash University. Subodh supervises the client services team to ensure your loan application progresses efficiently and effectively from initial query, submission to settlement while looking to provide the best customer service. Along with the rest of the team at Foster Finance, Subodh will assist with any questions and concerns throughout the loan process.

You can contact Subodh on:

Rusal Tuladhar

Client Services – Credit Analyst

Rusal joined Foster Finance at the end of 2020 after completing his Bachelor of Business Administration (BBA) from Kathmandu University School of Management (KUSOM). Rusal has a great interest in numbers/finance and is looking to grow his knowledge in the Mortgage Broking industry.

Rusal looks after the initial credit assessment of our customers; he helps us identify suitable and accurate lenders as per customers' requirements and objectives. Rusal is involved in collecting information from the customers, analyzing and researching the provided information to assist brokers with the loan application process. Along with the rest of the team at Foster Finance, Rusal will also assist with any questions or concerns throughout the loan process.

You can contact Rusal on:

Lezina Dongol

Client Services

Lezina has been a part of Foster Finance since July 2021. Lezina holds a Master's Degree in Business Administration (MBA) and Bachelor's Degree in Information Management (BIM).

Lezina is passionate about helping people in buying their new dream house by assisting them throughout the loan process from submission to settlement. Whatever the circumstances may be, she will give her best efforts and services to get the right outcome for her clients. Along with the rest of the team at Foster Finance, Lezina will assist with any questions or concerns throughout the loan process.

You can contact Lezina on:

Prizma Bajracharya

Client Services – Credit Analyst

Prizma has been part of Foster Finance since December 2022. Prizma holds a Master’s Degree in Professional Accounting (MPA) from Charles Sturt University.

Prizma looks after the initial credit assessment of our customers; he helps us identify suitable and accurate lenders as per customers' requirements and objectives. Prizma is involved in collecting information from the customers, analyzing and researching the provided information to assist brokers with the loan application process. Along with the rest of the team at Foster Finance, Prizma will also assist with any questions or concerns throughout the loan process.

You can contact Prizma on:

Samyam Bajracharya

Client Services

Samyam joined our team in April 2023. Samyam holds a Masters Degree in Business Administration, specializing in finance. Samyam has over a year of experience in the mortgage industry working as a loan processing specialist. He is looking to broaden his knowledge and expand his skill set with great enthusiasm. Samyam will oversee client applications from submission to post-settlement. He collaborates with lenders, clients, and relevant stakeholders to facilitate an effective and seamless process and achieve favourable outcomes. Along with the rest of the Foster Finance team, Samyam will address any inquiries or concerns that may arise during the loan process.

services

We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.

We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:

home loans

Buying a home is a big deal, no matter where you are on the property ladder. Whether on the lookout for your first home or your next home we can help you find home loan solutions that work for you. A suitable home loan provides you with a good balance of being able to purchase a property and being able to comfortably meet the repayments. We can help you find this balance based on your deposit, genuine savings, property equity, income, regular expenses and financial commitments. Before you start looking for a property, we can get you conditionally pre-approved. That way when you find your perfect place you can move quickly and with confidence. Pre-approvals generally last between 3-6 months depending on the selected lender.

SUPPORTING FIRST HOME BUYERS

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.

INVESTMENT LOANS

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

COMMERCIAL LOANS

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

STANDARD VARIABLE & FIXED RATE LOANS

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

BRIDGING LOANS

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

ASSET FINANCE

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.

AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

why choose us

Whether you are a just starting out with your first home, upgrading to accommodate a growing family, or expanding your investment portfolio, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details, always with a view to helping you pay as little interest over the life of the loan as possible. You can rely on us to provide you with customer service that you will value for the life of your loan, including annual interest rate reviews, and that we will continue to support you in achieving your future goals.

Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
You can feel confident that you are in safe hands and we will find the loan that’s right for you.

FAQs

What is the meaning of life?
WHAT DOES A MORTGAGE BROKER DO?
What is the meaning of life?
DO YOU CHARGE FEES FOR HOME AND INVESTMENT LOANS?
What is the meaning of life?

DON’T YOU JUST RECOMMEND THE LENDER WHO PAYS YOU THE MOST COMMISSION?
What is the meaning of life?
ISN’T IT MORE EXPENSIVE TO USE A BROKER?
What is the meaning of life?
HOW MUCH CAN I BORROW?
What is the meaning of life?

SHOULD I GO FIXED OR VARIABLE?
What is the meaning of life?

I AM NOT IN YOUR AREA, CAN WE STILL WORK TOGETHER?
What is the meaning of life?
WHICH LENDERS DO YOU DEAL WITH?
What is the meaning of life?
WHO SETS INTEREST RATES?
What is the meaning of life?

WHY SHOULD I USE A MORTGAGE BROKER IF I CAN GO WITH A BANK?

calculators

Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.

The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.

You should always discuss your individual circumstances with a representative of Foster Finance before placing your deposit or purchasing any property.

contact us

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.

We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.

Please get in touch with us today.

contact information

Office: Level 2, 117 Clarence Street Sydney NSW 2000
Mail: Level 2, 117 Clarence Street Sydney NSW 2000
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