SPECIALISING IN FINANCE SOLUTIONS & PROPERTY INVESTING

About US

A boutique finance brokerage based in Sydney and servicing clients nation-wide. Our vision is to build long term relationships with our clients and support them through all the key life stages. We are dedicated to strengthening our clients financial well-being by offering quality services informed by our expertise, networks and our commitment to meeting each client's unique financial needs.

Our services include Residential Home Loans, Vehicle & Equipment financing, Commercial & Business loans, Construction & Development financing, and we also help clients identify the right investment property through our partner companies.

Our Team

James Manoe Founder & Managing Director

With over 10 years experience in the finance industry, I have a passion for people and assisting my clients to achieve their financial goals whether that be in property, business or investment.
A trusted advisor, I strongly believe in delivering an efficient, informed and reliable service to our clients by ensuring our process is simplified, our clients are kept up to date and that we are here to support them through all the different life stages.
Manoe Financial is a growing privately owned finance brokerage. Our business is customer-focussed and we prioritise the best possible lending journey and consistently promote customer success.
When I'm not busy working on the business, spending time with my family is priority.

JP De Oliveira Finance Specialist

My expertise is home loans having worked in the industry of finance for more than 15 years. I have worked with all major and smaller tiered lenders, credit unions and non-confirming banks in Australia.
Taking out a home loan can be a very daunting task. All you want is to devote your time to finding the right home and the last thing you want to worry about which lender and product is right for you.
This is where I come in. Using my sound knowledge in finance, my priority as your Mortgage Broker is to guide you through every step of the way starting from our initial meeting, through the application process right up to settlement – the day you pick up your keys to the new house.
No matter how complex your situation is, I am here to help and make your lending experience as seamless as possible.
In my personal time, I like to focus on my health and family time

Carly Ngo Broker Support Specialist

With over 4 years of experience in broker support across the U.S and Australia, I have developed a deep understanding of the finance industry, specializing in home loans and mortgage processes. My expertise lies in providing comprehensive assistance to brokers, ensuring seamless loan processing from application to settlement. I'm highly experienced in managing client inquiries, prepare & process documentation, and coordinate communication between clients, brokers and lenders. Having eye for detail, I always ensure that every loan application is handled efficiently and meets compliance standards. I'm well-versed in loan management platforms, providing brokers with the support they need to operate smoothly. My goal is to make brokers' life easier, allowing them to focus on their clients and growing their business. Whether it's streamlining the application process, ensuring compliance, or resolving issues quickly, I am committed to making the broker experience as seamless and efficient as possible. In my personal time, I focus on maintaining a healthy work-life balance by dedicating time to my health and family.

Why us

Dedicated

We are dedicated to the service we provide our clients and are committed in providing a reliable, simple and efficient service.

Simple

Lending can be complicated and demanding. At Manoe Financial, we strive to ensure that your lending journey with us is simple by closely managing our process to minimise errors and rework.

Solutions

With over 30 lenders on our panel, our team conducts research across multiple lenders to ensure we find the right loan for you.

Giving Back

We donate a portion of our commissions to Charity

Our Process

1. Initial Conversation

We will establish your current financial position and needs for obtaining finance. By the end of the discussion, we will determine your eligibility for finance.

2. Collection of Documents

We will send you our short application form to complete along with a list of documents required to commence work on your loan application.

3. Research and Solution

We will do the leg work to find and negotiate the best home loan that the lending market can off you. We will then present you with our recommendation and the reasons for our choice of lender and product.

4. Sign Loan Contracts

Once all conditions have been met, formal approval will be issued. Shortly after, loan contracts will be generated for you to sign.

5. Settlement

A date and time is booked for settlement. We then work with all relevant parties to ensure they are ready. Settlement is complete and its time to celebrate.

6. Financial Health Check

Our service does not stop there. As financial circumstances and market conditions are constantly changing, we will check in with you every half year and yearly to ensure that you still have the right loan and structure.

ServiceS

LOAN TYPES

First Home Buyers

It can be stressful purchasing your first home, but not to worry, you are in good hands. To make your experience with us as smooth and stress-free as possible, we'll be by your side every step of the way.

Owner Occupied Loans

We don't want any of our clients to be locked into a 30-year mortgage. First, we look at your current financial situation and identify how we can save you money. Then, we educated you on how to pay off your home loan earlier .

Investment Loans

One of the safest investment options in Australia continues to be purchasing an investment property. However, not all real estate is a good investment. To assist you in finding your next investment, our financing brokers will create the best plan and introduce you to one of our partner property investment groups.

Refinance Loans

Do you have the right product and loan structure? If not, you could be able to save tens of thousands of dollars. With access to over 30 lenders, we can locate the best loan for you and handle all the tedious work to make it simple and hassle-free. Contact us for a free comparison.

Alt Doc Loans

Alt Doc (previously known as Low Doc) product has been specifically tailored to suit the needs of self-employed borrowers who fall outside traditional mortgage insurance and lending guidelines and who require alternative methods of income verification.

Specialised Lending

We handle situations that the Banks don't want to handle. These include those with poor credit and self-employed individuals who are paying off a tax burden and need our assistance in generating cash flow.

Business

Our finance brokers are not limited to providing only home loans, we can also offer access to commercial and business loan options that can assist in elevating your business to the next level.

Vehicle

Whether you are looking to borrow in your personal name or under a business, we can help source the right loan for you through a wide range of specialised lenders. Our collaboration with these lenders ensures a speedy loan process, allowing you to enjoy your purchase quickly.

Private

Are you seeking funds for development or future investments? Our network of specialized private funding sources can offer customized solutions for construction finance, ranging from straightforward to complex projects.