0414 976 865
A white coastal family home with a timber deck and lawn.
Services

How I can help.

Home loans for every stage, explained in plain English.

A chat with Sam by phone, video call or at our offices, Manly and the CBD.

Hands holding a brass key in front of a navy front door.

First home buyers

Buying your first place is a big step. I help you understand what you can borrow, what you need saved, and how the process works from pre-approval to settlement.

  • Borrowing power and deposit planning
  • First home buyer schemes and grants you may be eligible for
  • Pre-approval so you can shop with confidence

A chat with Sam by phone, video call or at our offices, Manly and the CBD.

A white coastal family home with a timber deck and lawn.

Upgrading or downsizing

Moving home means juggling a sale and a purchase. We plan the timing and the loan structure together so the move feels manageable.

  • Buying before you sell, including bridging finance
  • Using the equity in your current home
  • Loan structure for your next stage of life

A chat with Sam by phone, video call or at our offices, Manly and the CBD.

Coffee, a laptop and paperwork on a kitchen table.

Refinancing

Your loan should keep up with your life. I review what you have now against options from a wide panel of lenders and handle the switch if it makes sense.

  • Loan health checks and rate reviews
  • Consolidating debts where appropriate
  • Accessing equity for renovations or other goals

A chat with Sam by phone, video call or at our offices, Manly and the CBD.

Modern coastal townhouses on a tree-lined street.

Property investors

Whether it is your first investment or your fifth, the way each loan is set up affects what you can do next.

  • Investment loan structuring
  • Using equity to fund a deposit
  • Planning for your next purchase

A chat with Sam by phone, video call or at our offices, Manly and the CBD.

More than home loans

We are more than just a broker.

Finance, insurance and wealth, looked after by Sam, the Astute Manly team and our partner Apexx Wealth, all from the same office in Manly.

With Sam

Car, personal and business finance

Beyond home loans, Sam arranges finance for the other big things in life and work.

  • Car and vehicle loans
  • Personal loans
  • Business and commercial finance
  • Equipment and asset finance
Talk to Sam about finance
Through Astute Manly

Insurance

Protecting what you have built, from your home to your income.

  • Home and contents
  • Health insurance
  • Income protection and personal protection
  • Business insurance
Ask about insurance
With our partner Apexx Wealth

Wealth and super

Financial advice to help build and protect your wealth, provided by Apexx Wealth from the same Manly office.

  • Financial planning
  • Superannuation and SMSF
  • Investments
  • Cash flow, debt reduction and retirement planning
Ask about wealth and super
Stephanie C.Google review

★★★★★

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.
James S.Google review

★★★★★

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.
Sally C.Google review

★★★★★

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.
Cameron C.Google review

★★★★★

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.
Jake C.Google review

★★★★★

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!
Fay A.Google review

★★★★★

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.
Karen B.Google review

★★★★★

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.
Barrenjoey Swim SchoolGoogle review

★★★★★

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.
Jackson B.Google review

★★★★★

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
Lucy F.Google review

★★★★★

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!
Hamish N.Google review

★★★★★

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.
Jackson S.Google review

★★★★★

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.
Nicholas R.Google review

★★★★★

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.
Doris S.Google review

★★★★★

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.
Sera T.Google review

★★★★★

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!
Next step

Not sure where you fit?

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