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Apt Wealth Finance, powered by Acceptance Finance
The right loan for the home you’re buying
Whether you’re buying your first place, upsizing for a growing family, downsizing for the next chapter or moving into your next property, the right home loan makes the whole process feel less daunting. We help you find it, and we stay with you long after settlement.
Buying a home is a big moment, not just a big loan
A home loan is one of the largest financial commitments you’ll make, and the difference between the right loan and a convenient one adds up over decades. Getting it right the first time is worth the effort.
Our brokers have helped thousands of first-home buyers, guiding them through government grants and schemes, buying at auction, genuine savings requirements and parental guarantees. Whether you’re moving up or down, we bring the same clarity to loan structure, purchase costs and settlement timing.
We take the stress out of the process and give you the knowledge to make each decision with confidence, then partner with you for the long term.
How we help you buy your first home
From first conversation to long after settlement, here is how your broker works with you.
1
Start with a conversation
We talk through where you are now and where you want to be. Just an honest look at your situation and what you’re trying to achieve.
2
Understand your options
Your broker reviews your position against a large panel of lenders, each with their own policies and rates, and narrows the field to the options that suit you.
3
Recommend and apply
You get a clear recommendation, set out with lender, rate and any fees, so the choice is yours. Once you decide, we handle the paperwork and manage the application through to approval.
4
Stay alongside you
Settlement is not the end of it. Your broker stays available for questions and reviews your finance as your circumstances change, so it keeps working in your favour over time.
Wherever you are on the property ladder
Different moments call for different advice. Here’s where our brokers help most:
First-home buyers
Guidance on grants and schemes, buying at auction, genuine savings and parental guarantees, so a daunting first purchase feels manageable.
Upsizing
Insights on loan structure, sale and purchase costs, and settlement timing when you’re stepping into a larger home.
Downsizing
A common and smart move, especially for retirees. We help you manage the change with confidence and match the loan to your current and future needs.
Your next property
Ready for your next move? We make sure the loan suits where you’re headed, not just where you are today.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Aimee Telford
Aimee Telford
Personal Mortgage Adviser
Aimee Telford is a Personal Mortgage Adviser at Apt Wealth Partners, with a diverse background in the building and novated lease industry.
Melbourne
Albert Kavcic
Albert Kavcic
Finance Broker
Albert Kavcic is a Finance Broker at Acceptance Finance, working with families across Keilor and the surrounding Melbourne suburbs to secure home loans and grow investment portfolios.
Keilor/Keilor East, Melbourne
John Empey
John Empey
Finance Broker
John Empey is a Finance Broker at Acceptance Finance, working from his own office in Warrawee to help clients across Sydney's Upper North Shore with home loans, investment loans and refinancing.
Warrawee, Sydney
Matt Mannaert
Matt Mannaert
Finance Broker
Matt Mannaert is a Finance Broker at Acceptance Finance and one of the country's top-performing mortgage brokers, known for his work with property investors.
Balwyn, Melbourne
Matthew Baker
Matthew Baker
Senior Mortgage Adviser
Matt has over 11 years of experience in banking and finance including both personal and business banking.
Geelong
Matthew Papuga
Matthew Papuga
Finance Broker
Matthew Papuga is a Finance Broker at Acceptance Finance, splitting his time between the Balwyn office and Hoppers Crossing to stay available to clients across both areas.
Balwyn and Hoppers Crossing, Melbourne
Minji Kim
Minji Kim
Finance Broker
Minji Kim is a Finance Broker at Acceptance Finance, an award-winning broker known across Balwyn and Ringwood, and a trusted contact for Melbourne's Korean community.
Balwyn and Ringwood, Melbourne
Richie Kasai
Richie Kasai
Finance Broker
Richie Kasai is a Finance Broker at Acceptance Finance, based out of the Balwyn office and known across Kew and Doncaster.
Balwyn, Melbourne
Russel Shaw
Russel Shaw
Finance Broker – Northern Rivers
Russel Shaw is a Director of Acceptance Finance and its Senior Finance Broker for the Ocean Shores office, working across the Northern Rivers region and South East Queensland, with the backing of the Melbourne head office.
Ocean Shores, Northern Rivers NSW
Sally Whitworth
Sally Whitworth
Finance Broker
Sally Whitworth is a Finance Broker at Acceptance Finance, focused on educating clients so they can make informed decisions about their loan choices.
Balwyn, Melbourne
Sharon D'Costa
Sharon D'Costa
Finance Broker
Sharon D'Costa is a Finance Broker at Acceptance Finance, helping clients across home loans, refinancing, SMSF lending, reverse mortgages and commercial finance.
Melbourne
What our clients often ask us
Why use a broker instead of going straight to my bank?
Your bank can only offer you its own products. With a large panel of lenders behind us, each with different policies and assessment criteria, we can compare a much wider range and recommend the one that suits you, which can save you over the life of the loan.
How does a broker get paid, and does it affect my rate?
Our brokers are governed by responsible lending obligations and a best interests duty, which means recommendations are based on what serves you, not on lender relationships or commission. Your broker will be upfront about how this works from the start.
I’m a first-home buyer and it all feels overwhelming. Where do I start?
You start with a conversation. We’ll explain grants and schemes you may be eligible for, what lenders look for and how much you can realistically borrow, so the path becomes clear before you commit to anything.
Do we have to meet in person?
Only if you’d like to. We can meet in our offices, online or sometimes at your home or workplace, and most of the process runs over the phone and email, so you’re never left wondering how your application is tracking.
Reading for your property journey
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Explore more on the Apt Wealth Partners blog.
Let’s find the right home loan
Book a no-obligation chat with a finance specialist. We’ll listen first, then help you take the next step with clarity and confidence.
Prefer to talk now? Call us on 1800 801 277
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