Buying a home shouldn’t feel like navigating a maze. Let us light the way.
We’re James and the NFIS team right here in the South West. We sit down with you, really listen, then work through 90+ lenders to find the loan that fits your life. Not the other way around.
“James made the whole thing feel easy. Like talking to a mate who happens to know exactly what he’s doing.”
We know these streets because we live on them.
Byford, Mandurah, Armadale we know the property markets here because we’re part of these communities. That local knowledge means we understand what makes your area unique, what lenders are looking for, and how to position your application for the best outcome.
Whatever your situation,
we’ve got you covered.
First home, next home, investment property, or refinancing we’ve helped locals just like you navigate every scenario.
First Home Buyers
Nervous about where to start? We’ll walk you through every step from saving for a deposit to handing you the keys. First home grants, low deposit schemes, guarantor loans we’ll explore every option.
Learn more →Upgrading to Your Next Home
Growing family? Need more space? We’ll help you understand your borrowing power, time the sale of your current home, and secure finance for your next chapter.
Learn more →Investment Properties
Building a portfolio? We’ll structure your investment loan for the best cash flow and tax position whether it’s your first rental or your fifth.
Learn more →Refinancing
Paying too much? Not using the right features? We’ll compare your current loan against 90+ alternatives and show you exactly what you could save.
Learn more →Building or Renovating
Construction loans can be tricky. We’ll structure a loan that releases funds as your build progresses, so you’re never out of pocket.
Learn more →Self-Employed & Contractors
Traditional banks can be rigid with non-salaried income. We work with specialist lenders who understand your unique financial picture.
Learn more →Here’s how our story unfolds together.
We have a proper chat
Over the phone, in person, or over coffee whatever’s easiest for you. We’ll ask about your goals, your timeline, and what keeps you up at night when it comes to money.
We do the heavy lifting
We’ll research across 90+ lenders, run the numbers, and come back with a shortlist of 3-4 options that genuinely suit your situation — with honest pros and cons.
We guide you through the paperwork
No jargon, no confusion. We explain every document, handle every form, and keep you updated at every stage. You’re never left wondering what’s happening.
Settlement — and beyond
We celebrate with you when the keys arrive. Then we keep checking in, monitoring rates, and making sure your loan keeps working as hard as you do.
Why our clients keep coming back and sending friends.
It’s not about being the cheapest or the flashiest. It’s about being the broker who remembers your name, checks in when rates change, and actually picks up the phone when you call.
- We’re independent we work for you, not a bank
- Our service is free we’re paid by the lender, not you
- We access 90+ lenders so you’re never limited to one option
- We stay in touch after settlement because your relationship with us doesn’t end there
- We’re local you can find us, call us, and meet us face to face
We were terrified of the home buying process. James made us feel like we had someone in our corner from day one. He explained everything in plain English, found us a lender when the big banks said no, and was just genuinely lovely to work with.
Meet the person behind the advice.
James Galliers
James has spent his career helping South West families and individuals navigate the mortgage landscape. He believes everyone deserves clear, honest advice — delivered with a smile and zero jargon. When he’s not working, he’s right here in the community he serves.
Questions we get all the time.
Let’s have a proper chat.
No obligation. No hard sell. Just a friendly conversation about your goals and what’s possible. Most of our clients start with a quick phone call — and end up with the right loan in weeks.