Proudly based in Penrith & Western Sydney
Helping you with
Stepping into your first home with confidence
Access to 25+ leading lenders
We compare so you get the right loan.
CBA, Westpac, ANZ, NAB, ING and more.
Takes 30 seconds
Answer a few quick questions and we’ll come back with the lenders and structure that actually fit your situation.
What we do
Families buying in Glenmore Park. Tradies in St Marys financing a ute. Investors adding a second property. We handle the lender legwork.
First home, next home, refinance or investment. We model your borrowing power across 25+ lenders and structure the loan properly - not just the cheapest headline rate.
Cars, utes, trucks, plant and equipment - sorted quickly with lenders who understand trades.
Renovations, a wedding or consolidating cards into one manageable repayment.
Cash flow, commercial property and growth funding from someone who has run a business.
Jason FryerMortgage & Finance Broker
Your local broker
Jason has lived in Penrith his whole life - 30 years, a young family of three, and 12 years on the tools before a decade running his own business. He knows the estates, the builders and the valuations around here, because he lives among them.
Every loan at Borrowly Finance is handled by Jason personally. No call centre, no hand-off to a processing team overseas, no jargon. Just a straight answer on what you can borrow and what it will cost you.
Why Borrowly
With access to over 25 trusted lenders and as a proud member of the Mortgage & Finance Association of Australia (MFAA), Borrowly Finance is committed to helping you find the right finance solution tailored to your needs.
Whether you're purchasing your first home, refinancing, investing, or growing your property portfolio, our experienced team provides expert guidance and personalised support every step of the way.
At Borrowly Finance, we make the lending process simple, transparent, and stress-free - giving you confidence that you're in the right hands for all your finance needs.
Proud MFAA member - held to a strict code of practice and ongoing professional standards.
Calls returned the same day and clear timelines at every step. You will never chase us for an update on your own loan.
We explain what we recommend and why, in plain English. Rates, fees and commissions in writing before you commit.
We review your loan annually against the market, so you never quietly drift onto a worse rate.
How it works
A 15-minute call or a coffee in Penrith to understand your goals, deposit and timing. No cost, no obligation.
We model your borrowing capacity across the panel and shortlist only the loans that genuinely fit.
We prepare and lodge everything, chase the lender, and keep you updated until formal approval.
We coordinate settlement with your solicitor, then review your loan every year.
Where we work
Based in Cambridge Gardens, we know the estates, the valuations and the price points. We meet clients across Western Sydney and work Australia-wide by phone and video.
Book a local catch-upNo obligation
Every lender calculates it differently. We will give you a realistic number across our panel before you start looking at open homes.
What our clients say
“Working with Jason made the process so much easier. His accuracy and attention to details are unmatched.”
“Jason explained everything in simple, easy-to-follow terms. Truly stress-free.”
“Jason's guidance helped my portfolio grow with confidence. He really understands the numbers deeply.”
“Jason went above and beyond, communication was excellent and a truly stress free process.”
“Truly wonderful experience.”
“From start to finish, Jason communicated clearly through the whole process.”
Common Questions
Straight answers to the questions we’re asked most by first home buyers, refinancers and investors across Penrith and Western Sydney.
Read all 22 FAQsA mortgage broker compares loans across a panel of lenders, recommends a suitable option for your situation, and manages the application through to settlement. Borrowly Finance has access to 25+ lenders and handles the paperwork, lender questions and follow-up on your behalf.
For most residential home loans there is no cost to you - the lender pays the broker a commission once your loan settles. If a fee ever applies to a more complex scenario, it is disclosed in writing before you commit to anything.
Your borrowing capacity depends on your income, existing debts and living expenses, deposit size, credit history and the lender's assessment rate. Because every lender calculates it differently, the same income can produce very different limits - we compare them for you and give you a realistic figure before you start looking.
Most lenders look for 5% - 20% of the purchase price plus costs. Under 20% usually means Lenders Mortgage Insurance (LMI), though First Home Buyer government schemes and guarantor options can reduce or remove that.
Pre-approval is often issued within 1 - 5 business days once documents are supplied. Formal approval typically takes 1 - 3 weeks depending on the lender and how quickly valuations and documents come through.
Yes, in many cases. Self-employed borrowers can use two years of tax returns, and some lenders accept alternative income documentation. Borrowers with credit defaults or lower credit scores can often be placed with specialist lenders, then refinanced to a mainstream lender later.
Refinancing can be worth it if it lowers your repayments, consolidates higher-interest debts, unlocks equity, or gives you features you don't have now. We compare your current loan against the market and only recommend switching when the savings clearly outweigh the costs.
We're based in Cambridge Gardens and work throughout Penrith, Glenmore Park, Kingswood, Jordan Springs, Cranebrook, St Marys, Emu Plains, Blacktown, the Blue Mountains and greater Western Sydney - plus clients Australia-wide by phone and video.
Get in Touch
Send an enquiry or call Jason directly. We will get back to you the same business day.
Address
11 Selwyn Avenue, Cambridge Gardens NSW 2747
Phone
0450 906 575Borrowly Finance - Your local Mortgage Broker
Our patch
We are a local broker, not a call centre. Meet us at the office, at your kitchen table, or on a video call - whatever suits.
12km service radius
Penrith, Western Sydney & clients Australia-wide
