Finalist, Best New Office · NSW
Fouracre Financial Services is a finalist for Best New Office in the Better Business Awards. The mortgage broking business opened its office Sydnry, NSW, on 2 February 2023. It works through the aggregator SFG and is part of InvestorKit Group. It settled 433 loans in FY25, up from 130 in FY24, with five full-time brokers in both years. The firm describes its approach as clients-first, built on detailed loan structures and on explaining them clearly. CEO Jack Fouracre entered the business in the awards.
How do you help property investors with loan structure, borrowing capacity and equity?
For property investors, our focus is loan structure, borrowing capacity and equity. Our aim is to help people buy smarter, borrow better and build wealth through strategic property finance. We don't treat a loan as a one-off transaction. Instead we put together flexible, detailed structures and tailored loan strategies, and we take the time to explain them so clients understand how the pieces fit together. We compare lenders and loan products to find the structure that fits, at no charge to the client. We are part of InvestorKit Group, alongside the buyers agency InvestorKit and the life insurance adviser Solace Life, so property investing is the world we work in every day.
How do you help people buy a home in Wollongong and the Illawarra on a Sydney income?
Buyers on Sydney incomes who want to buy in the Illawarra are one of the groups we focus on. We built our Sydney Commuter Strategy for them, and Illawarra lending is one of our focus areas for both home buyers and investors. We also help buyers in the region with NSW incentives and grants. Whatever the situation, our approach is the same. We look closely at where the client is now and set out a loan structure that suits them. Then we explain it in plain terms, so they understand the decision they are making. We stay in contact from application through to settlement and beyond.
What is it like working with a mortgage broker in Oran Park from application to settlement?
Our office at 40 Stevens Drive, Oran Park, opened on 2 February 2023. From the start we chose to work on a clients-first basis rather than run a transactional, high-volume model. In practice that means clear communication, transparency and proactive support at every point, from application through settlement and beyond. We simplify complicated loan structures so clients understand them, and we tailor the loan strategy to the person in front of us. We go the extra mile to make sure each client has the best experience we can give them. In FY25, 90 per cent of our business came from referrals, which tells us that approach is working.
Can a mortgage broker help me understand property finance before I buy?
Yes, and teaching clients is a big part of how we work. Our view is that property is a game of finance, and we show people how to win it. In FY25, mortgage rates had surged and property prices had soared, which made it hard for many people to invest or change the direction of their lives. We respond by sharing knowledge, not just arranging a loan. We set out flexible, detailed and informative structures and explain the reasoning behind them, so clients can learn how property finance works and make their own decisions with confidence. Our director Jack Fouracre also co-hosts The Property Nerds podcast.
How many brokers does Fouracre Financial have, and how many home loans do you settle?
We had five full-time brokers in both FY24 and FY25. Over that time, the number of loans we settled grew from 130 in FY24 to 433 in FY25. We chose our team carefully to match our values of integrity, empathy and professionalism. We have also invested in streamlined systems and ongoing professional development, so our senior mortgage brokers have the knowledge and experience to deliver consistent, high-quality outcomes for clients and referral partners. We work through the aggregator SFG. What we are proudest of is that this growth has been sustainable, and that we achieved it without compromising the ethics, values and personal service that define our business.
Find Jack at Fouracre Financial Services Pty Limited: fouracrefinancial.com.au
