The right mortgage broker changes everything. Home loans for Sydney's Eastern Suburbs, arranged by Shane Howley - mortgage broker in Coogee.
Your Eastern Suburbs mortgage broker
Finance Craft is a mortgage broker in Coogee, run by Shane Howley. Shane has vast expertise as a broker for over 15 years, handling every loan application himself, from first conversation all the way to settlement.
Most of Shane's lending is for larger loan applications, often for professionals with bonus, commission or business income that every lender assesses differently. Matching that income to the right lender can shift borrowing power by hundreds of thousands. He compares 30+ lenders with $0 brokerage fee.
Why choose Finance Craft as your mortgage broker
30+ lenders.
Lenders compared include CBA, ANZ, Westpac, NAB, Macquarie, ING, etc, plus non-bank and specialist lenders.
$0 brokerage fee.
No fee for service. Lenders pay a commission on settlement.
One broker.
You get to deal with Shane from start to finish. Annual reviews and anything in between is also handled by Shane.
Shane is absolutely amazing. He makes the whole process so seamless and supports you every step of the way. He is honest and very approachable. Would definitely recommend.
You won't find a better Broker in Sydney!! Shane got us the best deal and went well beyond the call of duty to ensure our deal went through without a hitch. Thank you for all your help Shane, we couldn't have done this without you!
Shane has been absolutely amazing. His professionalism and availability at every step made this whole process so much easier. He answered all our 1,000 questions with such patience and expertise, which gave us the confidence to take this big step. We truly recommend him.
Shane's knowledge, expertise, efficiency, communication & customer service is top tier. He was super helpful in explaining things I didn't understand & in a timely manner. Kept us informed at all times as to where our application was at etc. Would definitely recommend. 10/10. Thanks Shane!
I had a great experience working with Shane. He was professional, knowledgeable, and always quick to respond to any questions or concerns I had throughout the process. His communication was excellent, and he made everything straightforward and stress-free. I really appreciated his reliability and dedication, and I wouldn't hesitate to recommend him to anyone looking for a trustworthy broker.
Finding the right mortgage broker can be daunting, but save yourself the time and go to Shane from Finance Craft. He is experienced, responsive, and patient with all questions. Shane acted promptly to remove any blockers and challenges, ensuring a smooth and stress-free process. He was always available for questions and calls, demonstrating his commitment and dedication, guiding us every step of the way and making the entire experience seamless. We will use his services for future property finance matters. Highly recommended, thanks Shane!
Home loans Shane can arrange
- Buying a homeThe right lender, and a home loan set up for how you'll actually use it.
- RefinancingRefinance to a sharper rate, release equity, or restructure to suit your needs.
- Investment loansInvestment property loans structured properly at great interest rates.
- Self-employed home loansLenders that properly assess business, sole-trader, company and trust income.
- First home buyersFirst home grants, stamp duty concessions and low deposit schemes, all properly considered.
Shane also arranges pre-approval, construction loans, debt consolidation and specialist lending.
How it works
Book a free call
Chat with Shane about your situation, goals and timeline. No obligation, just helpful guidance from a local mortgage expert.
Fact Find
Once you're ready, using a secure portal, you will complete your details and upload your payslips, statements, etc.
Loan options
Based on your lending requirements and objectives, you will be presented with multiple loan options.
Everything handled
Once the loan in your best interest is identified, Shane manages the application, liaises with the lender, and will keep you up to date.
Common questions
Is it worth using a mortgage broker instead of going to my bank?
For most borrowers, yes. Your bank can only offer its own products, while a broker compares loans across 30+ lenders and negotiates on your behalf. Brokers are also bound by a Best Interests Duty, a legal obligation to act in your best interests that doesn't apply to bank staff. Mortgage brokers now write 81% of all new residential home loans in Australia, according to the latest MFAA figures.
How much can I borrow?
As a rule of thumb, lenders will lend between 4 and 6 times your gross annual income, but the exact figure depends on your debts, expenses, and how each lender assesses income like bonuses or self-employed earnings. The same person can get answers $100,000+ apart from different banks, which is why I compare your position across 30+ lenders.
Do I pay a fee for using a mortgage broker?
No. Finance Craft charges $0 brokerage fee. I'm paid a commission by the lender when your loan settles. This means the service is completely free to you, and my interests are aligned with getting you the right outcome, not just any loan.
How many lenders can you access?
I have access to over 30 lenders including major banks (CBA, ANZ, Westpac, NAB), second-tier lenders, and specialist lenders. This gives you a wide range of options and helps ensure I find the most competitive rate for your situation.
How long does the home loan process take?
It depends on the lender and complexity, but most straightforward applications are approved within 3–5 business days. Pre-approvals can often be turned around in 48 hours. I keep you updated throughout the entire process.
Can you help if I'm self-employed?
Absolutely. Self-employed lending can be more complex, but I have extensive experience with it. I work with lenders who are flexible around income documentation, including low-doc loan options where applicable.
What areas do you service?
I primarily serve clients across Coogee and the Sydney Eastern Suburbs including Randwick, Maroubra, South Coogee, Clovelly, Bronte, Bondi, Rose Bay, Vaucluse, Watsons Bay, Double Bay, Paddington and Woollahra. However, I can also help clients across greater Sydney and Australia wide.
Let's talk.
Ready to find the right home loan? Book a free, no-obligation call.
Areas covered
As a local mortgage broker in Coogee, Shane works with clients right across the Eastern Suburbs, as well as greater Sydney and Australia wide.