Conviction Confidence Calibre
At Certitude Finance, we’re a premium mortgage broking and financial services firm, specialising in home loans, refinancing, and lifestyle finance.
We work for you, not the banks.

Why Choose Certitude?
Our expert mortgage brokers are here to guide you every step of the way toward your financial goals.
With access to:
- 33+ residential lenders
- 22+ commercial lenders
- 22+ asset and equipment lenders
We’ll help you find the right loan with better rates, flexible options, and non-bank solutions.
We stay informed and connected. Our trusted network includes financial planners, accountants, real estate agents, buyers’ advocates, conveyancers, solicitors, builders and inspectors—so you can benefit from industry insight every step of the way.
What We Do

First Home
Buying your first home? We make it easier. We’ll guide you through the process from start to finish.

Next Home Loans
Ready for your next move? Let us take the stress out of upgrading with a tailored loan solution.

Refinancing & Debt Consolidation
Switch to a better rate, consolidate your debts, or restructure your loan to suit your lifestyle.

Business, Vehicle & Personal Loans
Starting a business or need equipment finance? We’ve got options to support your growth.

Insurance
Protect what matters…your home, investment, car, business, contents and health.
What to Expect: The Loan Process
Applying for a home loan or refinance might be easier than you think.
We use a streamlined, step-by-step approach to move from goal setting to settlement without unnecessary stress.
And don’t worry, chatting with us won’t affect your credit score or show up on your credit file.

EXCELLENT Based on 142 reviews Posted on Amos M09/10/2025Trustindex verifies that the original source of the review is Google. We have known Phil for years and he has been fantastic for us. Where a big bank wouldn’t help, Phil found away and saved us money. Thanks very much Phil.Posted on Cheryl M22/08/2025Trustindex verifies that the original source of the review is Google. Phil has been so supportive during times that can be quite stressful. Phil is attentive to his clients and always gives us great advice. We have recommended Phil to friends and family and they also shout his praises. Honestly Phil has given us 5 star service!Posted on Mark M22/08/2025Trustindex verifies that the original source of the review is Google. Phil from Certitude is the best, his integrity, his guidance, his communication, his knowledge can’t be faulted. Thanks Phil for making this transaction as smooth as possible.Posted on Wan n22/08/2025Trustindex verifies that the original source of the review is Google. Bob did an amazing job in helping us through our loan process for our first home purchase. From the very beginning to the settlement day, bob ensured that we knew exactly what was involved and what will happen next. He is very approachable and easy to work with. Bob also helped us in making sure our pre approval came in quick so that we were able to participate in auctions early in our house searching process. highly recommended and we wont hesistate to work with bob again in the future.Posted on Lily T18/08/2025Trustindex verifies that the original source of the review is Google. Grace was really helpful and she made all my paperwork much easier. Thank you for your supportPosted on Ranai M07/08/2025Trustindex verifies that the original source of the review is Google. Bradley was amazing! Extremely thorough and genuinely caring about our needs. Also very patient as we changed our plans and decision on numerous occasions during the course of our refinancing and reinvesting. He provided excellent communication the entire way, even after settlement. We will continue to engage Bradley’s services as we recommence investing and grow our property portfolio. To say we highly recommend Bradley is an understatement, we can’t recommend him enough! Thank-you Bradley, for blessing us with best advice, service and tools to achieve our goals, with your professionalism, integrity, patience and all-round excellence.Posted on Hayden a06/08/2025Trustindex verifies that the original source of the review is Google. Phil has assisted me with four or more loans and has been a star every time, Phil managed to get a loan that was refused to me from a bank I have been with my whole life, Phil got it done through the same bank for almost double the preapproval they denied me. Great team!Posted on Williams B05/08/2025Trustindex verifies that the original source of the review is Google. Bradley Morgan from Certitude Finance was incredible to work with! He helped me secure the cashflow I needed to invest in key assets for my business, allowing me to take an important step forward. His support was efficient, professional, and genuinely focused on helping me grow. Highly recommend Bradley and the team at Certitude Finance!Posted on Quang H02/08/2025Trustindex verifies that the original source of the review is Google. Grace Nguyen handled our refinance and we were absolutely delighted with her service. Her care and attention to detail was second to none, and I can confidently say she exceeded all expectations. From our very first conversation, Grace demonstrated exceptional professionalism, deep industry knowledge, and a genuine commitment to helping me achieve the best possible outcome. She took the time to understand my financial situation and goals, explained complex mortgage options in a way that was easy to understand, and guided me through every step of the process with patience and clarity. Her responsiveness and attention to detail made the entire experience smooth and stress-free. What truly sets Grace apart is her dedication to her clients. She went above and beyond to secure a competitive rate and tailored solution that perfectly suited my needs. Her warm and approachable manner made me feel supported and confident throughout the journey. If you're looking for a trustworthy, knowledgeable, and caring mortgage broker, I wholeheartedly recommend Grace Nguyen. She’s a true professional who genuinely cares about her clients’ success.Posted on Nguyen12/07/2025Trustindex verifies that the original source of the review is Google. professional and caring financial service. highly recommended!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more