Build your dreams while we finance your reality!
You're not just applying for a loan, you're moving forward.
Borrow more. Stress less.
Unlock your true borrowing potential.
We’re specialists in maximising borrowing capacity through smarter income assessment and tailored servicing strategies. Whether you’re a first-time buyer, refinancing, a professional Investor or expanding, we’re here to help you access every dollar you’re entitled to—ethically and responsibly.
Expert income assessment we know how to present your income in the most favorable way—within policy.
Tailored servicing strategies designed for your goals, using deep lending expertise.
Trusted by borrowers & brokers nationwide proven track record helping clients maximise their capacity, safely & within guidelines.
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*All borrowing recommendations are provided in accordance with current lender policies and responsible lending obligations. Individual results may vary based on your personal financial circumstances.
50+
years combined experience
1000+
customers assisted
One solution for every stage and goal in life
Save time with a single application for all your finance needs
Powered by smart technology for faster, easier lending
Support that keeps going after settlement
Pragmatic solutions for difficult situations
Finance isn’t always simple. After all, life rarely fits inside neat little boxes. We work with people whose stories don’t always match the banks’ playbook.
When your income is unpredictable but your goals are clear, we help you show your financial strength in ways traditional lenders can’t see.
We help new borrowers get started without the pressure. Think support, clarity, and a path forward—even if you don’t have a long credit history.
You’ve got questions, and we’ve got answers (plus real tools to help). From family guarantees to low deposit pathways, we help you feel ready.
Rising costs, changing needs, unexpected turns—we understand. We’ll help you explore flexible options designed to fit your current life stage, and whatever’s next.
Ready to move but still need to sell? We offer flexible financing options that let you buy first and sell later—so you can secure your next home without the stress.
Whether you’re expanding your premises, navigating cash flow, or leveraging property for growth, we work with your business as it truly operates—not just how it looks on paper.
For projects where timelines, structure, or capital needs don’t follow the usual rules, we offer lending that’s strategic, staged, and ready to adapt as you build.
We help you structure lending for long-term gains—from interest-only strategies to multi-property portfolios—so your next purchase builds more than equity.
Distance shouldn’t mean disconnection. If you’re investing in Australia from abroad or living overseas, we’ll help you navigate lending with clarity on currency, documentation, and FIRB requirements.
Maximise your property portfolio’s potential with lending solutions designed to support growth, diversification, and smart refinancing—helping you balance risk and reward across multiple assets.
We’re here to help you find the smart way through real life problems.
Let’s figure out what you need today – obligation free! Learn more
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Partner with us and grow with confidence!
We provide a transparent process for referral and mortgage brokers
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Best in market single CRM system with AI capabilities
Access backchannel messaging and milestone updates
Guaranteed diverse solutions for all financial needs
Post settlement support for you and your customers
About us
FYX Finance is an independent Mortgage Manager and non-bank lender helping Australians make smarter moves in a shifting market.
We bring a grounded sense of optimism to finance—cutting through complexity, removing barriers, and guiding you toward decisions that feel right now and later.
Who we are
Solutions that grow with you
Loans designed for where you are and where you’re going.
Explore lending options tailored to your goals, lifestyle, and business stage.
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Commercial Property Loans
Upgrade, expand, or invest with lending structured around your business footprint. Ideal for offices, warehouses, and commercial sites.
SMSF
Loans
Use your super to invest in residential or commercial property, with full compliance support and strategic structuring.
Self-Employed Loans
Flexible income assessment for business owners, sole traders, and freelancers. Because traditional proof of income shouldn’t limit your next step.
Construction Loans
Build from the ground up with staged funding that aligns with your construction timeline and budget flow
Low Doc / Alt Doc Loans
Designed for those without traditional financial documentation like contractors, gig workers, and self-employed individuals with irregular income.
Bridging Finance
Secure your next property before selling your current one. Ideal when timing is tight or the right opportunity can’t wait.
Family Guarantee Loans
Let a family member support your deposit to reduce upfront costs or avoid LMI. Perfect for first-home buyers with strong family support.
Investor & Portfolio-Friendly Loans
Tailored lending for growing property portfolios, with options around interest-only terms, structuring, and tax efficiency.
Private Loans
Fast, flexible finance for urgent or complex scenarios, especially useful for business borrowers outside traditional lending criteria.
Expat & Non-Resident Loans
Property finance solutions for Australians living abroad or international buyers investing in the Australian market.
Our process: how it works
Whether you’re ready to apply or just want to talk things through, FYX makes the lending process feel clearer—without the runaround.
Starting the conversation
Begin online or book any time to speak with a lending expert—even on Sundays! We’ll guide you through what’s needed.
Provide support towards your loan application
We simplify document collection with no messy email chains. Then we assess and recommend the best loan strategy.
Fast-tracked approval to settlement
You move forward with the funding in place, and we stay connected to help you manage, optimise, and grow.
Post-settlement care and support
FYX gets things moving fast with total transparency. Your application is trackable from day one!
Start your journey
Calculators to help you make informed decisions
Every financial journey starts with clarity. When you understand your numbers, you’re more prepared to choose the right loan. Our free tools give you honest insights. No pressure. Just perspective.
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Hear it from our happy customers
5.0
Customer
Reviews
Real life success stories
Meet Picked my start-up right off the ground…!
Sole Trader
Meet Picked my start-up right off the ground…!
Sole Trader
Meet Picked my start-up right off the ground…!
Sole Trader
We're with you - before, during, and after the loan
Our relationship doesn’t end at settlement. We stay connected to help you optimise your loan, spot new opportunities, and feel supported long after your application is approved.
Let's move forward together
Whether you’re building something new or navigating change, FYX Finance is here to help you borrow smart and live confidently.