Meet Your Local Mortgage Brokers
in Hills District & Sydney
Proudly supporting families in Kellyville, Glenwood, Bella Vista, the Hills District, and Greater Sydney.
We’re here to make lending simple, supportive, and empowering with a team that genuinely cares.
/ Team
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Fiona Nadaya
Director & Principal Mortgage and Finance Broker
Fiona has been helping clients secure home finance for many years, bringing a warm, calm, and caring approach to every interaction.
She takes the time to understand your goals, your story, and what matters most to you, ensuring you feel guided, supported, and confident at every step.
Her expertise spans first-home buyers, investors, refinancing, self-employed clients, and complex scenarios.
Fiona is recognised for her honesty, patience, and genuine commitment to helping people enhance their financial futures.
Her commitment to exceptional client service is what sets her apart. Many clients return to her for future loans because they value her guidance and trustworthiness.
Ruby Freeman
Mortgage and Finance Broker
At Nadaya Financial, I’ve built my career around making finance less overwhelming and more empowering. I understand how big the journey of buying, building, or investing can feel, and my role is to simplify the process, cut through the jargon, and create lending solutions that fit real life. As a mum of four, I understand the balance between family, finances, and future planning, which is why I’m passionate about helping clients feel confident and supported at every step. I have a strong interest in helping clients build multi-property investment portfolios and structuring lending for long-term wealth. At the heart of my work is honest, tailored advice that makes property ownership achievable.
Carla Braga
Parabroker
Carla has been working in the mortgage broking industry for over six years, bringing with her more than a decade of experience in operations management across various international companies. Her strong background in organisation, systems, and client support allows her to play a key role behind the scenes in delivering a smooth and efficient lending process. Carla is a true advocate for mortgage brokers and their clients, always focused on ensuring each application is managed with care, precision, and attention to detail. She takes pride in supporting both brokers and borrowers, helping create a positive experience throughout every stage of the journey.
Our Values
What drives us and what you’ll feel when you work with us.
01
Trust & Integrity
We stand by our word. Every recommendation is made with your best interest at heart. Honesty, transparency, and doing what we promise guide everything we do.
02
Community & Care
We’re more than mortgage brokers, we’re part of your community. We listen, support, educate, and walk beside you through big decisions and life milestones.
03
Empowerment & Education
Knowledge creates confidence. We give you the tools, guidance, and clarity you need to feel empowered to make smart financial decisions, today and for your future.
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Our Partners
We work with trusted lending partners so you can access more choice, better options, and tailored solutions for your financial goals.
Access Over 60 Lenders
In One Place
With one conversation, you unlock the power of a full lending panel including major banks, non-banks, and specialist lenders.
This means:
01
More flexible options
02
Better chances of approval
03
Competitive rates
04
Tailored solutions for different financial situations
05
Access to lenders you may not reach on your own
Our Strategic Partners
Why Working with
Many Financial Institutions
Matter
From understanding your goals to settlement and beyond, here is how we’ll work goether.
More choice = better outcomes
Every client is different. With access to a wide panel, we match you to the lender that fits your needs not the one-size-fits-all option.
Fair, unbiased
recommendations
recommendations
As brokers, we’re legally required to act in your best interests. We only recommend lenders that genuinely suit your circumstances.
Fast approvals &
smoother processes
smoother processes
Our experience with each lender’s policies means fewer surprises, fewer delays, and a supported journey from assessment to settlement.
Specialist solutions
when you need them
when you need them
Investment, SMSF, construction, self-employed, refinancing, no matter your situation, we have lenders that specialise in exactly what you need.
What Makes Us Different
Most people don’t realise how much easier a broker can make things until they experience it.
01
We work for you
Not the bank. We act in your best interests; every recommendation must benefit you.
02
More choice, better outcomes
We compare over 60 lenders, including major banks, non-banks, and specialists.
03
Clear, honest advice
No jargon. No guesswork. Just clear explanations so you feel confident.
04
Fast turnaround times
We manage the process, the paperwork, and the follow-up so you don’t lose time
05
Ongoing support for life
We review your loan regularly to make sure it continues to serve you well year after year.
Why Choose Us?
Nadaya Financial
Banks & Lenders
Nadaya FinancialBanks & 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 We’ll Do For You
Whether you’re buying your first home, upgrading, investing, or refinancing, here’s how we help:
01
Understand your goals
We start with a simple conversation about your budget, lifestyle, future plans, and what you want to achieve.
02
Compare and recommend your best options
We research the market, compare lenders, and present the options that truly suit your situation.
03
Handle the entire application process
We gather documents, complete forms, deal with lenders, valuers, agents, and solicitors, all on your behalf.
04
Help you save
We negotiate rates, structures, and features designed to work for you, not the bank.
05
Support you beyond settlement
Your needs change over time. We check in and review your loan to keep you on track.
Our Code of Ethics
We are serious about the commitment we make to our customers.
Transparency
Clear explanations. No hidden surprises.
We always act in your best interests.
Governance & Culture
We follow strict industry standards and maintain strong professional conduct.
Managing Conflicts of Interest
We disclose how we are paid and why certain lenders may be recommended.
Certified Professionals
Our brokers undergo continuous training to stay across lending changes and policy updates.
Quality & Care
Your experience matters. We take the time to understand your story and support you properly.
Do I Have to Pay to Use a Broker?
Typically a mortgage broker will be paid by the lender (i.e. no additional cost to you) in the following way:
There are a lot of misconceptions that mortgage brokers charge hefty fees. Generally this is not the case.
01
UPFRONT PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU.
A one-off payment called an upfront commission is usually between 0.65% to 0.7% of the loan amount (+gst). We do all the legwork to get your loan approved.
02
TRAIL PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU.
‘trail’ or ongoing commission is usually 0.15% p.a., based on the balance of your loan. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for you, your changing situation and goals.
Do I Have to Pay to Use a Broker?
There are a lot of misconceptions that mortgage brokers charge hefty fees. Generally this is not the case.
Typically a mortgage broker will be paid by the lender (ie no additional cost to you) in the following way
Mortgage brokers are paid an upfront commission and a trail payment:
A one-off payment called an upfront commission is usually between 0.65% to 0.7% of the loan amount (+gst). We do all the legwork to get your loan approved.
01
UPFRONT PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU.
02
TRAIL PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU.
‘trail’ or ongoing commission is usually 0.15% p.a., based on the balance of your loan. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for you, your changing situation and goals.
How that plays out
Let’s say you choose to take out a $500,000 loan with Bank ABC.
I will be paid:
01
An upfront commission of $3,250 (based on a 0.65% upfront payment rate)
02
A trail payment of:
The trail payment will continue until you pay off your loan or your loan is changed. It will also cease if your loan ever enters in to default or arrears.
Your Journey
Starts Here
Ready to talk?.
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
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