NFinance

Nfinance is an independent mortgage broking business based in Australia. The business compares more than 30 lenders on its panel. Tom Nightingale is the Owner and Director of Nfinance and holds a Bachelor of Business (Accounting) from the University of Technology, Sydney. He has been a member of the Mortgage & Finance Association of Australia for more than 10 years and has settled more than $500 million in loans for his clients.

Burks Koca is the Associate Director and has over 10 years' experience working with a big four Australian bank, holds a Diploma of Mortgage Broking and is a member of the MFAA. Rowena Zara is the Client Services Manager, with five years' experience in the mortgage broking industry and a Diploma of Mortgage Broking. Nfinance is a small, senior team consisting of a Chartered Accountant, a former big-four banker, and a settlements specialist.

NFinance earns consistent praise for the way its brokers shepherd clients through first home purchases, refinancing and equity release, with Tom, Burks and Lachlan each singled out by name. Many accounts describe the journey as straightforward and free of stress, noting that every stage was clarified in plain language from the opening conversation through to settlement and beyond. A point that comes up often is the promptness and transparency of communication, where proactive updates, quick replies to queries and straightforward dealing left borrowers assured throughout.

Reviewers repeatedly mention that their circumstances were heard and loans shaped accordingly, whether obtaining finance approval inside a demanding deadline, weighing options across many months or restructuring a mortgage to fund investment. Clients returning for successive home loans value the efficiency and the lack of pressure, while younger buyers note that careful research delivered strong results and turned an intimidating task into something manageable. Continued assistance after settlement, including a conveyancer recommendation, is recalled as exceeding what was expected. First home buyers, refinancers and repeat customers appear among those sharing their experiences.