Welcome to Phancy Financials

Based in Sydney, here to help with home loans across the country.

Based in Sydney, here to help with home loans across the country.

Phancy FinancialsPhancy Financials - Tree
Home Loans * Refinancing
Home Loans * Refinancing
Refinancing $ Investment
Refinancing $ Investment
Home Loans
Car Loan
Personal Loan

Finding the right home loan is one of the most important steps in purchasing property. With so many lenders and products in the Australian mortgage market, it can be overwhelming to know which option best suits your needs. Whether you’re a first home buyer, refinancing, or looking to invest, comparing interest rates, features such as offset accounts and redraw facilities, and repayment flexibility can help you save thousands over the life of your loan. We'll make the process simple, guiding you through pre-approval, loan comparison, and settlement so you can secure the right home loan with confidence.

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Looking to buy a new or used car? A flexible car loan can make it easier to get behind the wheel sooner. With competitive interest rates and repayment options tailored to your budget, a car loan helps spread the cost of your vehicle over manageable instalments. Whether you’re upgrading your family car, purchasing your first vehicle, or financing a business car, comparing lenders and loan features is essential to finding the right deal. We'll guide you through the process from application to approval, ensuring you secure a car loan that’s affordable, transparent, and suited to your needs.

A personal loan can provide fast, flexible funding for life’s big moments and unexpected expenses. Whether you’re consolidating debt, planning a holiday, covering medical costs, or renovating your home, a personal loan offers a simple way to borrow a fixed amount and repay it over time with manageable instalments. With so many lenders in the Australian market, it’s important to compare interest rates, fees, and loan features to find the best option for your situation. We'll make the process easy, helping you secure a personal loan that’s transparent, affordable, and tailored to your financial goals.

Home Loans
Car Loan
Personal Loan

Client testimonials

Big thankyou to Matilda very professional in her financial knowledge and customer support always looking after her customers well-being. Matilda has helped us out financially recently in her own business and previously with great support always.

John McKenzie

Second time working with Matilda and it was a breeze.
She made the process easy, got me a great rate, and stayed on top of everything the whole way through. I’ve also sent friends her way and they’ve had the same experience efficient, honest, and on the ball.
If you want someone who genuinely knows their stuff and cares, Matilda’s your go-to.

Dan Savage

Matilda is the best broker I have ever been in contact! Everything is easy and stressfree when dealing with Matilda! I would 1000% recommend her. She even made sure she was in contact with me when she was overseas on a well deserved break!

Coby Acton

Big thankyou to Matilda very professional in her financial knowledge and customer support always looking after her customers well-being. Matilda has helped us out financially recently in her own business and previously with great support always.

John McKenzie

Second time working with Matilda and it was a breeze.
She made the process easy, got me a great rate, and stayed on top of everything the whole way through. I’ve also sent friends her way and they’ve had the same experience efficient, honest, and on the ball.
If you want someone who genuinely knows their stuff and cares, Matilda’s your go-to.

Dan Savage

Matilda is the best broker I have ever been in contact! Everything is easy and stressfree when dealing with Matilda! I would 1000% recommend her. She even made sure she was in contact with me when she was overseas on a well deserved break!

Coby Acton

Second time working with Matilda and it was a breeze.
She made the process easy, got me a great rate, and stayed on top of everything the whole way through. I’ve also sent friends her way and they’ve had the same experience efficient, honest, and on the ball.
If you want someone who genuinely knows their stuff and cares, Matilda’s your go-to.

Dan Savage

Big thankyou to Matilda very professional in her financial knowledge and customer support always looking after her customers well-being. Matilda has helped us out financially recently in her own business and previously with great support always.

John McKenzie

Second time working with Matilda and it was a breeze.
She made the process easy, got me a great rate, and stayed on top of everything the whole way through. I’ve also sent friends her way and they’ve had the same experience efficient, honest, and on the ball.
If you want someone who genuinely knows their stuff and cares, Matilda’s your go-to.

Dan Savage

Matilda was absolutely amazing! She went above and beyond to help me with my loan, taking the time to break down multiple scenarios in a way that was super clear and easy to understand. Her friendly and approachable nature made the whole process so much smoother. I couldn’t recommend her highly enough!

Jimmy G

Matilda is the best broker I have ever been in contact! Everything is easy and stressfree when dealing with Matilda! I would 1000% recommend her. She even made sure she was in contact with me when she was overseas on a well deserved break!

Coby Acton

Tilly helped me through a very fast approval and settlement process. She was thorough and detailed through the application process, allowing for my finance approval to come through in record time. She kept me informed the whole way throughout and made sure I had confidence in the process. Couldn’t recommend her enough!

Tori Dixon

Really want to take the time to thank Matilda for her service as she worked efficiently to get our loan approved. She was super professional and patient while answering all my enquiries along the way. Definitely will stick with her as our broker for future loans.

Irene Huynh

Big thankyou to Matilda very professional in her financial knowledge and customer support always looking after her customers well-being. Matilda has helped us out financially recently in her own business and previously with great support always.

John McKenzie

Second time working with Matilda and it was a breeze.
She made the process easy, got me a great rate, and stayed on top of everything the whole way through. I’ve also sent friends her way and they’ve had the same experience efficient, honest, and on the ball.
If you want someone who genuinely knows their stuff and cares, Matilda’s your go-to.

Dan Savage

Matilda is the best broker I have ever been in contact! Everything is easy and stressfree when dealing with Matilda! I would 1000% recommend her. She even made sure she was in contact with me when she was overseas on a well deserved break!

Coby Acton

Second time working with Matilda and it was a breeze.
She made the process easy, got me a great rate, and stayed on top of everything the whole way through. I’ve also sent friends her way and they’ve had the same experience efficient, honest, and on the ball.
If you want someone who genuinely knows their stuff and cares, Matilda’s your go-to.

Dan Savage
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