YOUR LOCAL MORTGAGE BROKERS

Home Loans, Refinancing, Finance Solutions

Making it Simple, Supportive & Empowering
in Stanhope Gardens, across the Hills District, and throughout Sydney

Get the right loan for your lifestyle with clarity, confidence, and care

Trusted By

homeowners, investors & families across The Hills District, and beyond.

5.0

| 200+ Reviews

Meet Our
Expert Team

Meet Our
Expert Team

We provide a smooth, supportive lending journey that empowers clients to make confident, informed decisions. With extensive experience supporting families across Stanhope Gardens, the Hills District, and Greater Sydney, we take a holistic, education-driven approach to remove overwhelm and tailor solutions for first-home buyers, investors, and complex scenarios. Guided by trust, care, and a strong sense of community, we help you feel confident about your financial future.

Finance That Grows with Your Life We Handle the Loans, So You Live Your Life.

Our Experience In Numbers

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Loans
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Years Experience
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Clients helped

Why Choose Us?

Nadaya Financial

Banks & Lenders

Your own personal, non-bank affiliated loan expert

Free for you

We work in your best interests (we’re not owned by a bank)

Fast turnaround times

Access to over 60 banks and lenders in one place

Ongoing support and guidance once your loan has settled

What Makes Us Different​

01

Personal, human-first service

A small team that takes time to understand your situation.

02

Simple, guided loan process

Clear support at every step, with no confusion.

03

All lending needs covered

Home loans, refinancing, investing, and more in one place.

04

Local Sydney expertise

Accessible advice from brokers who know the community.

05

Transparent
& trusted

Honest guidance built on integrity and reliability.

Home & Personal

Loan Calculators

Estimate your borrowing power, calculate repayments, plan for stamp duty, and see how extra payments could help reduce your home loan faster

Home & Personal

Loan Calculators

Estimate your borrowing power, calculate repayments, plan for stamp duty, and see how extra payments could help reduce your home loan faster

Our Simple

4-Step Process

Understand Your Goals

We begin with a conversation to get to know you, your situation, your hopes, and your financial situation.

We research and shortlist the best fit from dozens of lenders

We handle paperwork, liaise with lenders, valuers, and solicitors, so you don’t have to

Once settled, we check in regularly and help adapt your loan as your life evolves.

Learn

More on Our

YouTube

Channel

Our Strategic Partners

Our
Trusted Partners

We've built relationships with a select group of professionals who share our commitment to exceptional service. While you're under no obligation to use any of these businesses, we're pleased to introduce people and organisations we know, trust and confidently recommend.

Wealth Success
Financial Planning

Specialists in financial planning and SMSF strategies, helping individuals and families create a stronger financial future.

Ellixi Wealth &
Financial Planning

Providing personalised financial advice across insurance, superannuation, retirement planning, and wealth creation.

JV Legal

JV Legal is a New South Wales law firm providing practical and personalised legal services, including conveyancing, wills and estates, commercial law, and leasing matters.

Ready to talk?

Whether you know what you want or don’t know where to begin, we’re here to help.

Call Us On

Happy Customers
Opinions About NADAYA FINANCIAL!

Happy Customers
Opinions About NADAYA FINANCIAL!

Posted on Google Google
Jasmine Mulcahy profile picture
Jasmine Mulcahy
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I found Ruby to be such a pleasure to deal with. She is efficient, prompt with responses and a problem solver. She was able to get an approval with ease despite some obstacles. A clear proffesional and I have no hesitation trusting her again with my financial needs.
Posted on Google Google
Kristie Ticehurst profile picture
Kristie Ticehurst
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Fiona is absolutely amazing!! From the moment we contacted her she has guided us through getting our investment loan successfully. Fiona made the whole process of getting our mortgage simple & easy to understand.She was always extremely patient & very helpful.Her can do attitude really made us feel confident knowing that we were in very capable hands. Communication was always very prompt & professional. We managed to secure a competitive rate thanks to Fiona & her team. Carla was also very helpful guiding us through the next steps too. We are extremely happy & satisfied with the patience & support that we received from Fiona & her team.We would highly recommend them to anyone looking for trustworthy, reliable & efficient financial services.
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Brent Zalfelds profile picture
Brent Zalfelds
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This is now the second personal experience in using the highly talented Ruby Freeman from Nadaya Financial, she has been excellent in helping us refinance our property! Ruby makes the whole process so simple and easy to get things sorted, even when she is presented with a somewhat difficult client scenario :). I would not hesitate to recommend Ruby from Nadaya Financial, and I have referred multiple clients of mine to her, all with the exact same positive experience. Reach out to Ruby for any of your property finance matters, her connections within the industry and other professional services are second to none!
Posted on Google Google
Emily Zellner profile picture
Emily Zellner
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ruby was absolutely fantastic! She was great at communicating and guided us throughout the whole process. We will be definitely using Ruby as our broker again in the future!
Posted on Google Google
Chris Vial profile picture
Chris Vial
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
It has been an absolute pleasure working with Fiona, not only an extremely personable and friendly human, Fiona knows her stuff and has removed the pain of dealing directly with banks and everything promised has been done... Nice work Fiona, i will be recommending anyone looking for a loan to Nadya Financial..
Posted on Google Google
JULIE PIREH profile picture
JULIE PIREH
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Fiona was an excellent experience from start to finish. They took the time to understand my financial goals and provided clear, honest advice throughout the process. Communication was prompt and professional, and they made what could have been a stressful experience feel straightforward and manageable. Thanks to their expertise, I secured a very competitive rate and felt confident in my decisions. I highly recommend them to anyone looking for trustworthy and efficient financial services.
Posted on Google Google
Martyna Hluchnik profile picture
Martyna Hluchnik
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Fiona and her team are incredible! I bought my first home with her a few years ago and she has helped me with my next chapter. A world full of knowledge and I am beyond grateful to work closely with her. I will forever be her client and recommend her to anyone.
Posted on Google Google
Kristy profile picture
Kristy
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Thank you Fiona and Carla for your constant support every step of the way! I can’t recommend you enough :)
Posted on Google Google
Sukhi Kandola profile picture
Sukhi Kandola
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
For the past 2 years we were looking for someone to help us refinance our home. We consulted a couple of brokers who were unable to assist telling us there was not enough household income. Several months ago while in desperate search to find help...we came across Nadaya Financial. From reading some past reviews/feedback of clients, we felt that this was the place. At our first meeting with Fiona, we were assured that nothing is impossible - if you know how to do it. Over the next few meetings not only were we getting refinance, but the amazing Fiona gave us the opportunity to purchase our 1st investment. Refinance & Investment ! a dream come true!! We encourage everyone to speak with Nadaya Financial as they will help you achieve dreams that others cannot. Thank you so so much financial queen Fiona!
Posted on Google Google
Abby Morgan profile picture
Abby Morgan
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As first time home buyers, we were very nervous about the steps we needed to take but Nadaya Financial stepped in and quickly put our mind at ease, particularly Fiona and Carla. They made the process simple and easy to understand, making sure we weren't going beyond what would work for us but also encouraging us to take that next step in finding a home. Fiona and Carla both provided excellent clear communication as well as supported us throughout the whole process. If you are looking for a mortgage broker, go no further than Nadaya Financial as they will not let you down and you will always feel supported no matter what step you are ready for, even if you're just wanting to start discussing the possibility of a loan they will be there to guide you through it all! Thank you for all you've done for us, we are truly truly grateful and appreciative ❤️

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Proudly Sponsoring & Supporting

Our Community

Newbury Bulls Soccer Club, Stanhope Gardens.

East Coast Eagles AFL Club, Rouse Hill.

Annual Silver Sponsor for the Hills & Food Wine Festival, Bella Vista Farm.

Supporter & Educator of the Financial Literacy Program, educating students in year 10 on the basics of Finance, home loans, saving, & budgeting.

/ FAQ

Your Questions Answered

How much deposit do I need for an investment property?

This depends on the lender and your situation. We’ll explain realistic options.

It depends on your cash flow, tax position, and long-term plan. We explain both clearly.

Often yes. We assess equity levels and structure this carefully.

There’s no fixed limit, but borrowing power and structure matter. We plan ahead.

There’s no fixed limit, but borrowing power and structure matter. We plan ahead.

Yes. Many investors start by using equity from their home. We’ll assess your borrowing power and structure this carefully.

Most lenders use a percentage of expected rental income. We’ll explain how this affects your borrowing capacity.

It depends on your cash flow, risk comfort, and long-term strategy. We’ll explain the trade-offs clearly.

Yes. Many investors refinance as equity grows or rates change. We plan for this from the start.

Absolutely. We help structure loans to support future purchases, not block them.