Finance
- Home loans and refinancing
- Investment loans
- Car and vehicle loans
- Personal loans
- Business and equipment finance
I'm Sam, a finance broker with Astute Manly. I help you buy, refinance and invest with a clear plan, from the first chat through to settlement and beyond.
A chat with Sam by phone, video call or at our offices, Manly and the CBD.
Your home loan is often where we start. Between Sam, the Astute Manly team and our partner Apexx Wealth, your finance, insurance and wealth can all be looked after under one roof in Manly.
First home
We work out your deposit, borrowing power and any first home buyer schemes you may be eligible for, before you start looking.
First home loans
Next home
Upsizing, downsizing, or buying before you sell. We plan the timing and the loan structure together so the move feels manageable.
Upgrading or downsizing
Refinance
I review your current loan against options from a wide panel of lenders, explain the trade-offs, and handle the paperwork if you decide to switch.
Refinancing
Investing
Structuring investment loans so each purchase is set up with the next one in mind.
Investment loansNo jargon and no pressure. You'll always know where things are up to and what happens next.

A relaxed chat about where you are, where you want to get to, and what matters most to you in a loan.
I look across lenders and products that suit your situation and walk you through the pros and cons of each.
My team and I take care of application, approval and settlement, with regular updates so you always know where things are up to.
After settlement I check in over the years and review your loan as your life and the market change.
★★★★★
Sam and his team at Astute Financial Manly have been absolutely incredible. I recently purchased my first home and would not have been able to do it without their endless support, guidance and kindness. … Sam went above and beyond particularly with answering all of my questions (and very promptly) and I always felt kept in the loop.
★★★★★
We have been a long-term customer of Astute Financial Manly … they recently helped us refinance a home loan to secure a much better deal for our investment property. From start to finish, the process was smooth, professional, and completely stress-free. What really sets Sam and the team apart is their communication and attention to detail.
★★★★★
We’ve had a great experience working with Astute across both our personal property loans and vehicle finance for our business. They’ve been knowledgeable, responsive, and proactive in finding the right solutions, making what can be a complex process feel straightforward and stress-free. Highly recommend.
★★★★★
The absolute A team.. For a stressful process, the team kept there cool the entire time and supported us 24/7 to get the loan approved. The team communicated with us every step, and went above and beyond to help us with a complex business loan.
★★★★★
Throughout my entire multi year period of long wait times, nightmarish delays and complicated processes, we knew that no matter what Astute was the one consistent and reliable team we could count on. … We couldn't have done it without them!
★★★★★
Sam and his team have been wonderful to work with through out my property purchases the past 12+ years. They are professional, thorough and easily contactable which is so important when you are signing a contract. I have recommended Sam to friends looking to buy several times and I wouldn't hesitate to do so again.
★★★★★
Our situation was far from straightforward—we decided to place the property in our Family Trust after exchanging contracts, which meant the Astute team had to amend our loan application, obtain new approvals, and finalize everything within a tight two-week timeframe. … Sam was also incredibly supportive, regularly checking in and reassuring me that everything was on track.
★★★★★
Sam and his team were outstanding. They helped us over several years in our endeavour to break into the housing market. Having missed out twice, Sam never doubted that we would make it, and continued to work hard for us. They found the right lender at the right time, and we are now the proud owners of our first house in the Northern Beaches.
★★★★★
Right from the first meeting with Sam we felt engaged, looked after and informed throughout the application and approval process. I would highly recommend Sam and team for financial services solutions
★★★★★
I have used Astute for my new unit in Manly. The team was so efficient, Sam and Claire were keeping me in the loop through out the entire process. They even sent a settlement gift pack to the whole family! Thanks Sam and Team!
★★★★★
Such a pleasure to deal with. The whole team were fantastic and showed great patience with us as it was our first time buying an investment property. Highly recommended and will definitely use the company again.
★★★★★
Dream team! I received a message out of the blue that my home loan rate had been lowered. Proactively looking out for the best interests of their clients. Thanks Sam, Marko and Claire.
★★★★★
Astute were an incredible team to work with. The team did all the heavy lifting and made a convoluted financing process simplified. Big thanks to Sam, Claire and Kirsty for everything. Their responsiveness and willingness to help made it all so easy.
★★★★★
With their help and expert advice, I have successfully purchased and financed two properties without any hassle. … Thanks to their patience, clarity, and expertise, every stage of the purchase and financing was transparent and successful.
★★★★★
Sam and the team are professional, prompt and make everything smooth from my end. I found them through a recommendation, and will be recommending them to everyone I know!
I've spent more than 25 years in banking, finance and mortgage broking, and these days I look after clients across Sydney's Northern Beaches from the Astute office in Manly.
I'm part of the team at Astute Manly, so you get me and my team knowing your file from start to finish, backed by the wider Astute Financial network.
Whether you're just starting to think about it or ready to move, a quick conversation is the easiest first step.
A chat with Sam by phone, video call or at our offices, Manly and the CBD.
Hours Mon–Fri 9am–5pm