About Us
Your local mortgage broker in Penrith & Western Sydney
Getting a home loan shouldn’t feel confusing or overwhelming - especially your first. We’re proudly local, and we help everyday Australians navigate lending with clarity, honesty and personalised support.
- 12+
- Years in construction
- 10+
- Years running a business
- MFAA
- Accredited member
- Penrith
- Local, founder-led
Credentials
Accredited, local, and the same person throughout
MFAA member 655 794
Credit representative registration 578 333.
Membership means a published code of conduct, compulsory professional development and an external dispute resolution process you can use if anything ever goes wrong.
MFAA accredited member
Borrowly Finance is a member of the Mortgage & Finance Association of Australia, held to a published code of conduct and ongoing professional development.
Penrith local
Based in Penrith and working across Western Sydney every week. You deal with a neighbour, not a call centre in another state. Local knowledge matters when a lender asks about the area, a valuation comes in low or a strata record needs checking.
Construction and business background
Over 12 years in the construction industry and more than 10 years running a business, so building contracts, cash flow and self-employed income are familiar territory.
One person handles your file
Jason takes your file from the first chat through to settlement and beyond. Same person, same number, no handoffs halfway through.
Lender panel
25+ lenders compared for fit, not just the headline rate
We do not work for one bank, so your file can go to whichever lender suits your situation. The aim is a loan that fits how you actually live and earn, not one that simply looks cheapest in a comparison column.
Fit over headline rate
Two lenders can quote a similar rate and still treat your income, your property or your plans very differently. The right lender is the one that approves and settles the way you need it to.
The rate is only part of the cost
Fees, offset and redraw access, portability and break costs all shape what you actually pay over the life of the loan. We compare the whole package, not the number at the top of a table.
A wide panel on purpose
Majors, second-tier banks, mutuals and non-bank lenders. When one lender's policy does not suit your situation, there are other doors to knock on rather than a dead end.
A sample of the panel
Panel membership changes from time to time. We always tell you which lenders a file is put to.
Our story
A modern, down-to-earth approach to mortgage broking
Founded by Jason, a Penrith local and father to three boys with a genuine passion for property and finance, Borrowly Finance was built to deliver a more modern, transparent and down-to-earth broking experience. We understand the local market, the challenges buyers face, and the importance of having someone in your corner.
Whether you’re purchasing your first home, refinancing for a better deal, growing an investment portfolio or exploring finance for the future, we guide you every step of the way.
It’s not just about finding a competitive rate - it’s about a lending strategy that works for your lifestyle and long-term plans. We take the time to understand your situation, explain everything in plain English, and keep the process smooth and stress-free.
With access to a wide panel of lenders and products, we work to match you with the right solution - not just the easiest one.
Borrow smarter. Borrow confidently. Borrowly Finance.
We specialise in
- First Home Buyer Loans
- Refinancing & Debt Consolidation
- Investment Property Loans
- Pre-Approvals
- Upgrader & Owner-Occupier Loans
- Self-Employed Lending
- Construction Loans
- Vehicle & Asset Finance
0450 906 575 - no obligation chat
Meet the founder
Jason Fryer - Founder & Managing Director
Jason Fryer
Founder & Managing Director
Penrith, NSW - servicing Western Sydney and clients Australia-wide.
Jason Fryer is the Founder and Managing Director of Borrowly Finance, bringing a fresh and practical approach to the mortgage and finance industry.
With over 12 years in the construction industry and more than 10 years of business ownership, Jason understands the challenges faced by everyday Australians, business owners, tradies, investors and growing families. His background gives him firsthand insight into the financial decisions that come with building wealth, purchasing property and managing cash flow.
He founded Borrowly Finance with a simple mission: make finance easier to understand, and help clients hit their property goals with confidence. He combines industry knowledge, strong lender relationships and a client-first approach to deliver tailored lending solutions.
First home, refinance, investment or self-employed lending - Jason provides honest advice, transparent communication and support from application to settlement and beyond.
Jason’s expertise
- First Home Buyer Loans
- Home Loan Refinancing
- Investment Property Finance
- Self-Employed Lending
- Construction Loans
- Debt Consolidation
- Property Investment Strategies
Why clients choose Jason
- Over 12 years in the construction industry
- More than 10 years of business ownership experience
- Personalised lending solutions
- Access to a wide range of lenders
- Transparent and honest advice
- Dedicated support from start to finish
“Great finance solutions start with understanding people, not just numbers. My goal is long-term relationships and a stronger financial future for every client.”
Where we work
Penrith and Western Sydney, estate by estate
Most of our clients live or borrow within a short drive of the Penrith CBD. Knowing the area is not a courtesy - it changes the lender we recommend and the paperwork we ask for.
Master-planned estates
Newer communities such as Jordan Springs, Werrington, Erskine Park and St Clair bring estate-specific valuations, strata and developer conditions. We work out which lenders are comfortable there before you sign a contract.
Builders and construction loans
From project-home contracts to knock-down rebuilds, we understand progress payments, stage certificates, builders' risk insurance and the documents a lender wants at each draw-down.
Established Penrith suburbs
Older stock in Penrith, Kingswood, Emu Plains and Cambridge Gardens raises its own questions: unit and apartment limits, flood-affected streets, strata records and heritage controls that can affect approval.
What clients say
Three locals, in their own words
“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.”
Not sure where to start?
Tell us what you are trying to do and we will tell you honestly whether it is doable, what it takes, and which lender is the best fit. No obligation, and no fee for the chat.
Good to know
Frequently asked questions
- Where is Borrowly Finance based?
- Borrowly Finance is based in Penrith, NSW and assists clients across Western Sydney and throughout Australia.
- Who is the mortgage broker at Borrowly Finance?
- Jason Fryer is the Founder and Managing Director. He brings over 12 years of experience in the construction industry and more than 10 years of business ownership experience to every client conversation.
- What types of loans does Borrowly Finance arrange?
- First home buyer loans, refinancing and debt consolidation, investment property loans, pre-approvals, upgrader and owner-occupier loans, self-employed lending, construction loans, and vehicle and asset finance.
- Do you help self-employed borrowers?
- Yes. Self-employed lending is a core specialty, drawing on Jason's own decade-plus of business ownership and access to a wide panel of lenders.