Mortgages and Loans

Home loans, refinancing & lending solutions made simple.

One of the great Australian dreams is to own your own home.

Whether you’re buying your first home, upgrading, investing, or simply reassessing your current loan, the lending team at FMS Group is here to guide you every step of the way.

With access to a wide range of banks, credit unions, and specialist lenders, we’ll help you secure the right loan for your family – and structure it to support your long-term financial goals.

Why Work With a Mortgage Broker?

Working with a broker gives you more choice, less stress, and a better outcome. We offer:

Access to a broad panel of lenders – far beyond the big banks
Expert advice tailored to your personal situation
Help comparing interest rates, features, and fees
Support with paperwork and lender communication
Ongoing reviews to make sure your loan keeps working for you

Our goal is to make lending simple, transparent and aligned with your future.

Our Lending Services

We provide lending support at every life stage:

First Home Buyers – Guidance on deposits, government grants, and loan approval
Next Home Buyers – Support managing bridging finance and timing your move
Investment Loans – Advice on tax-effective structuring and wealth creation
Refinancing – Lower your repayments or access better loan features
Equity Release – Unlock the value in your home for renovations or major expenses
Debt Consolidation – Combine multiple loans into a single, manageable repayment

How the Process Works

Here’s what to expect when you work with FMS Group:

We start with a conversation about your goals, income, and needs.
We research loan options from our panel of trusted lenders.
We help you understand your options clearly – no jargon.
We handle the paperwork and manage the application process.
We stay in touch to ensure your loan continues to support your financial goals.

Trusted Local Experts

With offices in Long Jetty and Gordon, we’ve been helping clients across the Central Coast and Sydney’s North Shore make smart lending decisions for years. Our brokers are full members of the

Testimonials

"FMS has provided 2 important financial services to me over the last few years – the first in guiding me through the accounting steps of running my own business, including paying quarterly GST and what I can claim as business expenses, and the second in finding me a very competitive investment property loan. Stella and James have always been helpful, courteous and friendly, and have educated me on some important tax matters along the way."

"Alicia has been our Accountant for several years now. We have always found her to be very efficient. She is always available to answer any questions that we may have. I would have no hesitation in recommending her to anyone."

"FMS is where the staff are always helpful, courteous and knowledgeable. We have had many years of excellent service as they have guided us towards retirement. They have gone out of their way to help us improve our financial situation. We feel like they are part of the family and care about the service they provide."

"The patience and understanding of Chris, Michelle and Leanne has helped me navigate my way through this new experience of managing my own finances. Just keep on doing what you’re doing!"

"I have had many Accountants over the years and after being totally fed up with my last Accountants ever increasing invoices and bad service I switched to FMS. Well I could not be happier. Stella is fast, efficient, honest, professional and on the ball. If you’re looking for a new Accountant to help with your super or finances I would call FMS and ask for Stella."

"All the professional people that I deal with at FMS regarding my superannuation and tax are very responsive to my needs in a very professional and courteous manner. It is always a pleasure to deal with people like these."

"We started working with FMS Group almost 12 months ago for our business Accounting. Stella has been very prompt, helpful & easy to deal with, our business has thrived & we truly believe Stella is a huge part of why! FMS Group are friendly & make everything so easy! Highly recommend them for any service."

"Couldn’t be happier with the service from FMS Group. Awesome, perfectly guided us through COVID-19."

"We have enjoyed a long and satisfying relationship with FMS as they have helped us achieve our financial goals. The staff at FMS are always helpful and friendly and, our Financial Planner – Nathan, has always acted professionally and with integrity. We are pleased to be part of the FMS group of clients."

“We have been dealing with Nathan at FMS Group for over 4 years. They have become very important to us due to the fact they look after our Major Asset. I deal with the Accountant and the Self-Funded Retirement teams. A very professional and friendly outfit. Wouldn’t hesitate to recommend their services.”