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Opti Finance

Updated 2026-07-30 · 4,285 reviewed · 380 listed · Scored from 74 Google reviews · How we rank ›

5.0(74) 90 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansRefinancingInvestment Property FinanceConstruction & Building LoansCar & Personal LoansMortgage Broker
Opti Finance
Services
First Home Buyer Loans, Refinancing, Investment Property Finance
Reviews
74

What recent reviews say

Serena and her team at Opti Finance turn down complex loan rejections into approvals, often within weeks. Reviewers consistently praise her patience, prompt replies, and willingness to find solutions others said were impossible.

First-time buyers and property investors alike return to her repeatedly, citing thorough explanations of loan options and stress-free processes. Her team (Joseph and Nicole mentioned by name) handle paperwork efficiently and keep clients updated at every step.

Praised for
  • Serena's patient, clear explanations
  • fast response and reliable follow-up
  • goes above and beyond for clients
  • solves complex or difficult finance cases
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokerpatient-with-questionshandled-complex-situationreliable-followupgreat-with-first-home-buyerssettled-on-timefast-approval
Best for: property investors, borrowers with complex or rejected applications, first-time home buyers wanting detailed guidance

Strengths

  • Approves difficult cases other brokers have rejected
  • Serena handles refinance cases that turn complicated
  • Quick response times and constant updates
  • Offers bridging loans and construction finance alongside standard mortgages

Worth knowing

  • Serena Higgs is the named broker; Joseph and Nicole part of team
  • Approved second property loan in two months for client previously told to wait 1-2 years
  • Helped client obtain bridging loan when described as 'clueless' about feasibility
  • Supported client through full construction build process
  • Matches or beats bank rates without needing to refinance in some cases

What reviews say by service

First Home Buyer Loans
Thorough explanations and supportive process; reviewers felt confident in Serena's advice as first buyers.
Refinancing
Handles complicated refinance cases and matches better rates; reviewers praised her ability to fight for them when processes became stressful.
Investment Property Finance
Approved second and third property loans that other brokers said were impossible; approvals achieved quickly despite complex circumstances.
Construction & Building Loans
Supported client through full build process with detailed explanation and ongoing support.
Mortgage Broker
Core strength across all loan types; clients return repeatedly and refer family and friends.

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 79% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 99
Review volume 81
Review recency 100
Review sentiment 80
Profile completeness 100
Verification 30

Rating breakdown

5
74
4
0
3
0
2
0
1
0

Common questions

Will Serena help if another broker said no?
Yes. Multiple reviewers were rejected elsewhere and approved by Serena within 1-3 months, even when told to wait 1-2 years.
How long does loan approval usually take?
One client's second property was approved in about two months. Timelines vary, but Serena updates you at every step.
Can I refinance to match my bank's rate without switching?
Yes. Serena negotiated her client's bank to match a better rate in-house, avoiding the need to refinance.
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Last updated 2026-07-30