Avida Money

About us

Home
Loan
Specialists

At Avida Money, we get home loans done for Australians who don't fit the cookie cutter mould. Whether you're a business owner tired of explaining your tax returns, a young family saving for your first place, or an investor building a portfolio, we find the lender that says yes. With access to 130+ lenders across Australia, from major banks to specialists, the finance works around your life, not the other way round.

At Avida Money, we get home loans done for Australians who don't fit the cookie cutter mould. Whether you're a business owner tired of explaining your tax returns, a young family saving for your first place, or an investor building a portfolio, we find the lender that says yes. With access to 130+ lenders across Australia, from major banks to specialists, the finance works around your life, not the other way round.

0

0

Years experience

Helping Aussies into their first, next, or investment home

0

0

Clients helped

Home loans funded for clients across Australia

0

0

Lenders on panel

From major banks to specialist non-bank lenders

0%

0%

Approval rate

We only submit deals we believe in

Services

What we do

No matter your situation, we find the right home loan

First Home Buyers

Getting into your first home is the hardest step and the one most lenders make harder than it needs to be. We walk you through deposit options, government schemes, and lender choice so you know exactly what you qualify for before you fall in love with a property.

Self-Employed and Business Owners

If you run your own business, you already know the banks ask for double the paperwork and still say no. We specialise in self-employed lending: 1 year financials, low doc, alt doc, and specialist lenders who understand real business cashflow.

Refinancing

Haven't checked your rate in a while? Most clients save thousands a year by switching. We handle the whole process, from lender comparison to settlement, so you're not losing money to a loan that's no longer working for you.

Investment Loans

Building a property portfolio takes the right structure from day one. We help investors structure loans for tax efficiency, serviceability, and future borrowing capacity.

Construction and Owner Builder

Building your own home or managing a knockdown rebuild. We source lenders who fund construction properly, with drawdowns that align to your builder's invoices.

Bridging and Short-Term Finance

Bought before you sold, or need to settle fast before the bank's ready? Bridging loans let you move on the new property without waiting for your current one to sell. We source short-term options that match real settlement timelines, not bank-standard delays.

First Home Buyers

Getting into your first home is the hardest step and the one most lenders make harder than it needs to be. We walk you through deposit options, government schemes, and lender choice so you know exactly what you qualify for before you fall in love with a property.

Self-Employed and Business Owners

If you run your own business, you already know the banks ask for double the paperwork and still say no. We specialise in self-employed lending: 1 year financials, low doc, alt doc, and specialist lenders who understand real business cashflow.

Refinancing

Haven't checked your rate in a while? Most clients save thousands a year by switching. We handle the whole process, from lender comparison to settlement, so you're not losing money to a loan that's no longer working for you.

Investment Loans

Building a property portfolio takes the right structure from day one. We help investors structure loans for tax efficiency, serviceability, and future borrowing capacity.

Construction and Owner Builder

Building your own home or managing a knockdown rebuild. We source lenders who fund construction properly, with drawdowns that align to your builder's invoices.

Bridging and Short-Term Finance

Bought before you sold, or need to settle fast before the bank's ready? Bridging loans let you move on the new property without waiting for your current one to sell. We source short-term options that match real settlement timelines, not bank-standard delays.

Our work

Real deals, real outcomes

See how we've helped Australians into their homes when other brokers and banks couldn't.

First Home Buyer

Our clients had been knocked back by three banks because of a recent job change. We matched them with a specialist lender who took the full picture into account, and got unconditional approval in under two weeks so they didn't lose the property.

First Home Buyer

10 Days

We'd almost given up. Josh found us a lender the banks hadn't mentioned and we had the keys within the month.

Ange A.

First Home Buyer

Our clients had been knocked back by three banks because of a recent job change. We matched them with a specialist lender who took the full picture into account, and got unconditional approval in under two weeks so they didn't lose the property.

First Home Buyer

10 Days

We'd almost given up. Josh found us a lender the banks hadn't mentioned and we had the keys within the month.

Ange A.

First Home Buyer

Our clients had been knocked back by three banks because of a recent job change. We matched them with a specialist lender who took the full picture into account, and got unconditional approval in under two weeks so they didn't lose the property.

First Home Buyer

10 Days

We'd almost given up. Josh found us a lender the banks hadn't mentioned and we had the keys within the month.

Ange A.

Self-Employed Refinance

Client was a tradie paying 7.4% with a major bank that wouldn't consider his latest financials. We restructured the loan with a non-bank lender using 1 year of financials and dropped the rate by 1.8%.

Refinance

Self Employed

"I thought I was stuck with my rate because the bank wouldn't budge. Turns out I wasn't."

David T

Self-Employed Refinance

Client was a tradie paying 7.4% with a major bank that wouldn't consider his latest financials. We restructured the loan with a non-bank lender using 1 year of financials and dropped the rate by 1.8%.

Refinance

Self Employed

"I thought I was stuck with my rate because the bank wouldn't budge. Turns out I wasn't."

David T

Self-Employed Refinance

Client was a tradie paying 7.4% with a major bank that wouldn't consider his latest financials. We restructured the loan with a non-bank lender using 1 year of financials and dropped the rate by 1.8%.

Refinance

Self Employed

"I thought I was stuck with my rate because the bank wouldn't budge. Turns out I wasn't."

David T

Investment Property

Our client was told by their existing lender they'd maxed out their borrowing power. We restructured their portfolio across two lenders, released equity, and set them up to keep buying.

Investment

Equity Release

"I went from being told no more loans, to settling on property number four six weeks later."

Simran A.

Investment Property

Our client was told by their existing lender they'd maxed out their borrowing power. We restructured their portfolio across two lenders, released equity, and set them up to keep buying.

Investment

Equity Release

"I went from being told no more loans, to settling on property number four six weeks later."

Simran A.

Investment Property

Our client was told by their existing lender they'd maxed out their borrowing power. We restructured their portfolio across two lenders, released equity, and set them up to keep buying.

Investment

Equity Release

"I went from being told no more loans, to settling on property number four six weeks later."

Simran A.

FAQs

Answering your questions

Answering your questions

Got something specific? Send us a message below.

Got something specific? Send us a message below.

Get in touch

Where are you based and who can you help?

We're based in Sydney but work with clients right across Australia. Everything's done online or over the phone, so your location doesn't limit your options. Whether you're in a capital city, a regional town, or buying interstate, we can help.

How long does a home loan approval take?

Most pre-approvals come back within 3 to 7 business days, depending on the lender and how complete your paperwork is. Unconditional approval after you've found a property typically takes another 7 to 14 days. We keep you updated at every step so there are no surprises.

Do you charge for your service?

No. Our service is free for most residential home loans. We're paid a commission by the lender when your loan settles, and it's the same rate whether you go direct to the bank or through us. You get our expertise and lender panel at no extra cost.

What documents will I need?

The basics are photo ID, your last 2 payslips (or last 2 years tax returns if you're self-employed), 3 months of bank statements, and details of any existing debts. We'll give you a full checklist tailored to your situation once we chat.

Can you help if I've been knocked back by a bank?

Yes, that's actually what we do best. A bank saying no doesn't mean you can't get a loan. It means that particular lender's policy didn't fit. We have access to [X]+ lenders across Australia, including specialists who look at situations the big four won't touch.

Do you help self-employed borrowers?

Absolutely. We work with sole traders, company directors, and contractors every day. Some of our lenders accept 1 year of financials, BAS statements, or accountant's declarations. If the big banks have made you jump through hoops, there are better options.

What's the difference between pre-approval and unconditional approval?

Pre-approval means the lender has looked at your income, expenses, and credit and is willing to lend you up to a certain amount, subject to finding a property. Unconditional approval happens after you've found a property and the lender has valued it and approved the specific loan. You need unconditional approval before settlement.

Contact

Get in touch

For any inquiries or to explore your vision further, we invite you to contact our professional team using the details provided below.

Office

North Sydney, NSW

North Sydney, NSW

Email

loans@avidamoney.com.au

Telephone

Follow us

Get in touch

Create a free website with Framer, the website builder loved by startups, designers and agencies.