Your Home Loan, Simplified

Fast approval. Better rates. Expert guidance. Get the right loan for your situation, not theirs.Access to over 40+ lenders. No upfront fees. Get matched with your perfect home loan in minutes.

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SERVICES OFFERED

We Help With All Your Mortgage Needs

Whether you’re stepping onto the property ladder for the first time, growing your portfolio, or making sure your existing loan still works for you, we make home finance simple.At LAFS Mortgages, we handle the comparisons, the paperwork, and the legwork so you can focus on your goals, not the stress. Our advice is transparent, tailored, and always centred around your best interests.

Buying a home

Found your first place? Buying your next home? Embarking on a renovation, or constructing your dream house?Buying is exciting, and sometimes overwhelming.We’ll support you with clear advice, consistent communication, and a streamlined process that ensures a smooth, stress-free experience from application to settlement.

Refinancing your home loan

Finding a lower rate, accessing equity, or securing better loan features are just some of the reasons to explore refinancing.We’ll review your current loan, compare options across multiple lenders, and make sure your finance continues to support your goals, so you can get the maximum benefit from your money.

Investing in property

Rentvesting? Expanding your real estate portfolio? Looking to buy your first investment property?
We’ll help you identify the right structure and lender for your investment strategy.Our team understands how to balance returns, tax efficiency, and borrowing power, giving you confidence to grow your wealth through property.

Types of home loans we can find for you

We have specialised services to help clients through every stage of the buying process

OWNER OCCUPIER

Make sure your home loan is working for you, not against you, we’ll review your options and secure a smarter deal.

COMMERCIAL/BUSINESS LOANS

Tell us about your business needs, we’ll tailor lending solutions that align with your goals and cash flow.

FIRST HOME BUYER

We take the stress out of your first home purchase by comparing multiple lenders and handling the paperwork for you.

SMSF LOANS

Smart, flexible finance options for vehicles, equipment, and other business assets.

INVESTMENT PURCHASE

We assess your current loans and compare them against the latest investment products to help maximise your returns.

ASSET FINANCE

It is imperative that your principal place of residence is in the best financial product.

ABOUT THE BROKER

Meet Your Mortgage Expert

Hi, I'm Nelus Groenewald I've spent over 16 years helping everyday Australians navigate the mortgage maze and find loans that actually work for their lives.I get it, buying a property or refinancing can feel overwhelming. Banks have their own interests. You need someone in your corner who's looking out for you.That's where I come in. I work with over 40+ lenders to find you options banks won't show you. Whether you're a first-time buyer, upgrading your home, investing in property, or refinancing to save money, I've got you covered.
CredentialsAustralian Credit License (ACL) holder – 391209
A credit representative (494873) of National Mortgage Brokers Pty Ltd with years of mortgage broking experience.
Helped 100+ Australian families get their dream home.I believe in transparent, jargon-free advice. You'll always know where you stand, what your options are, and exactly what to expect. No surprises. No hidden fees. Just honest guidance.

Why Choose LAFS Mortgages

Trusted. Transparent. Tailored.

I’m committed to keeping your best interests front and centre, and ensuring you feel confident every step of the way. At LAFS Mortgages, you’re not just another client, you’re a valued partner.With access to a wide network of lenders, I provide honest, straightforward advice tailored to your situation. Every recommendation is made with transparency and care, so you always know exactly where you stand.Whether you’re buying your first home, refinancing, or growing your property portfolio, you’ll get personalised support from someone who genuinely wants to see you succeed.

Ready to get started?
Click the button below to access the documents I’ll need to kick off your application.

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Frequently Asked Questions

FAQ Section 1-3

1. How do mortgage brokers work?A mortgage broker is your advisor and matchmaker in the home loan market.
They assess your situation, compare loan options from multiple lenders, explain fees and features, and guide you through application to settlement.
--------------------------------2. What do I need to apply?Generally you'll need: proof of identity, proof of income (payslips or tax returns), details of assets and liabilities, and the property information (if you've found one).
Starting early means you're prepared.-------------------------------3. What fees are involved?Most brokers work on commission from the lender, so you typically don't pay them directly. Still: you may face lender fees, application/valuation fees, and ongoing loan costs.
Always ask for clear disclosure.---------------------------------

FAQ Section 4-6

4. What's the difference between brokers and banks?Banks offer loans from their own product range. A broker works with many
lenders on your behalf, increasing your options and tailoring the solution to you.--------------------------------5. How long does approval take?It depends on your situation and the lender, but once everything's submitted many
loans can gain conditional approval within a few days. Final settlement times vary.--------------------------------6. Can I service property across all Australia?Yes, at LAFS Mortgages I'm set up to assist clients across every state and territory. Distance is not a barrier when we use modern communication and digital tools.--------------------------------

Let’s Chat About Your Home Goals / Start Your Journey

Fill out the short form below and I’ll be in touch quickly to discuss your goals no pressure, just expert advice.