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Formal Finance

Updated 2026-07-30 · 4,285 reviewed · 380 listed · Scored from 31 Google reviews · How we rank ›

5.0(31) 87 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansRefinancingInvestment Property FinanceCommercial & Business FinanceConstruction & Building LoansCar & Personal LoansMortgage Broker
Formal Finance
Services
First Home Buyer Loans, Refinancing, Investment Property Finance
Reviews
31

What recent reviews say

Named brokers-Brent, Nathan, Rebecca, and Teejay-paired with Emma's administrative support deliver consistent, high-touch guidance across mortgages and refinancing. Reviewers report transparent advice, rapid turnarounds, and staff available nights and weekends. Several clients have returned over years, citing honesty and problem-solving during delays or complex scenarios.

The team handles first home purchases, investment acquisitions, land deals, and multiple refinances with equal fluency. Reviewers emphasize that jargon-heavy finance felt manageable thanks to step-by-step explanation and genuine support. No complaints appear in the 31 five-star reviews; the texture is relationship-driven and proactive.

Praised for
  • knowledgeable staff with clear explanations
  • responsive communication and follow-up
  • staff go above and beyond
  • stress-free and smooth transactions
  • long-term trusted relationships
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokerreliable-followupsmooth-settlementgreat-with-first-home-buyershandled-complex-situation
Best for: first-time buyers and refinancers seeking a stable broker relationship with accessible, patient explanations

Strengths

  • named brokers with years of client relationships
  • staff answer questions nights and weekends
  • transparent and jargon-free explanations
  • quick turnarounds to settlement

Worth knowing

  • Brent Fourie: long-term client broker, handles refinancing and original mortgages
  • Nathan: first home and investment property experience
  • Rebecca: pre-approval to settlement oversight, weekend and after-hours availability
  • Emma: administrative support, document coordination, proactive follow-up
  • Teejay: land purchase and refinance support
  • Five-star rating across all 31 reviews with no complaints recorded

What reviews say by service

First Home Buyer Loans
First-time buyers report stress-free guidance, clear explanations, and brokers making themselves available outside business hours.
Refinancing
Repeat refinancing clients cite quick turnarounds, transparent rate improvements, and proactive communication.
Investment Property Finance
Investment property buyers praise knowledgeable guidance through land purchase and finance approval.
Construction & Building Loans
New home construction loans mentioned on website; no specific review detail available.
Car & Personal Loans
Listed in directory scope; no review evidence available.

How it compares

  • Rated 5 against a 4.92 average across the 322 first home buyer loans businesses listed here.
  • Has more Google reviews than 57% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 97
Review volume 65
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
31
4
0
3
0
2
0
1
0

Common questions

Are staff available outside standard business hours?
Yes. Rebecca replies to queries on weekends and after hours, and brokers are described as making themselves available whenever clients have questions.
How long does the refinancing process take?
Reviewers report a very quick turnaround to settlement, though exact timelines vary by case.
Can they help with investment property finance?
Yes. Formal Finance has handled investment property purchases and land acquisitions, coordinating finance alongside the purchase process.
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Last updated 2026-07-30