CFMS
Trusted Mortgage Broker · Australia-Wide

Your Mortgage Journey, Simplified & Secured

Hayden Murphy and the CFMS team help first home buyers, investors, and refinancers access the best loan solutions from 40+ lenders — with zero broker fees.

🏡 Enquire Now 📊 Borrowing Calculator
CFMS

Why Clients Choose CFMS

40+
Lender Panel
$0
Broker Fees
100%
Independent
5★
Client Rating
✓ Best Interests Duty ✓ ASIC Compliant ✓ FBAA Member ✓ ABN Verified
↓ Explore
Why Choose CFMS
We Put Your Interests First

As your dedicated mortgage broker, we're legally bound by Best Interests Duty — meaning every recommendation we make is in your favour, not the bank's.

🏦

Access to 40+ Lenders

We compare major banks, non-banks, and specialist lenders to find you competitive rates and terms unavailable to the public.

💸

No Broker Fees

Our service is completely free to you. We're paid by the lender, so you get expert guidance at zero cost to you.

🇦🇺

Australia-Wide Service

In-person consultations locally or fully online — we help clients purchase and refinance properties anywhere in Australia.

⚡

Fast Pre-Approvals

We streamline the application process so you can get pre-approval quickly and bid on properties with confidence.

🤝

End-to-End Support

From initial consultation through to settlement and beyond — we're with you at every step of your financial journey.

🔒

Best Interests Duty

Legally obligated to act in your best interests. Our recommendations are always based on what's right for you.

Our Services
Every Finance Solution You Need

From first home buyers to seasoned investors, we provide tailored lending solutions across all categories.

New Home Finance

Whether you're buying your first home or upgrading to something new, we make navigating the mortgage process simple. We search across 40+ lenders to find the best rate and loan structure for your situation.

  • Variable, fixed, and split loan options
  • Offset account and redraw facilities
  • Pre-approval within 24–48 hours
  • Expert guidance from application to settlement
  • Access to exclusive lender rates
✓Competitive rates across 40+ lenders compared on your behalf
✓Fast pre-approval so you can bid with confidence
✓Variable, fixed & split loan options tailored to your goals

Investment Property Finance

Build your property portfolio with smart investment lending. We help you structure your loans to maximise tax efficiency, cash flow, and long-term wealth generation.

  • Interest-only loan structuring
  • Equity release from existing properties
  • Portfolio lending strategies
  • Negative gearing optimisation
  • Multiple investment property finance
✓Interest-only & principal & interest options compared
✓Portfolio lending strategies to grow your property wealth
✓Equity release strategies from your existing properties

Mortgage Refinancing

Could you be on a better rate? We conduct a thorough mortgage health check and handle the entire refinancing process — from comparing lenders to managing all the paperwork.

  • Free mortgage health check
  • Rate and feature comparison across lenders
  • Cash-out refinancing for renovations or investment
  • Debt consolidation options
  • Seamless transition with minimal disruption
✓Free mortgage health check — no obligation required
✓We handle all paperwork & lender negotiations for you
✓Potential to save thousands — book a review today

First Home Buyer Specialists

Buying your first home is one of life's biggest milestones. We'll guide you through every step, help you access government grants, and explain everything in plain English.

  • First Home Guarantee (5% deposit options)
  • First Home Owner Grant (FHOG) assistance
  • Stamp duty concession guidance
  • Lenders Mortgage Insurance (LMI) strategies
  • Step-by-step process education
✓First Home Guarantee — buy with as little as 5% deposit (eligibility applies)
✓First Home Owner Grant & stamp duty concessions — we'll check your eligibility
✓Step-by-step guidance from application through to settlement

SMSF Loans

Looking to purchase property inside your Self-Managed Super Fund? We specialise in SMSF limited recourse borrowing arrangements and can guide you through this complex but powerful strategy.

  • Limited Recourse Borrowing Arrangements (LRBAs)
  • Residential and commercial property via SMSF
  • Specialist SMSF lender access
  • Coordination with your SMSF accountant/auditor
  • Compliance guidance throughout the process
✓Specialist SMSF lenders accessed on your behalf
✓Limited Recourse Borrowing Arrangements (LRBA) structured correctly
✓We coordinate with your SMSF accountant & auditor throughout

Commercial Finance

Whether you're buying commercial property, funding a business expansion, or securing equipment finance, we connect you with the right commercial lending solution.

  • Commercial property purchase and refinance
  • Business acquisition finance
  • Equipment and asset finance
  • Construction and development loans
  • Bridging finance for time-sensitive opportunities
✓Commercial property purchase, refinance & development finance
✓Bridging finance available for time-sensitive opportunities
✓Flexible structures — terms tailored to your business needs

Car & Vehicle Loans

Drive away with the best financing deal. We compare secured and unsecured car loans from multiple lenders to get you competitive rates on new and used vehicles.

  • New and used vehicle finance
  • Secured and unsecured options
  • Novated lease comparisons
  • Fast approval — often same day
  • Competitive fixed rates
✓New & used vehicles — competitive rates from multiple lenders
✓Flexible loan terms to suit your budget & repayment preferences
✓Fast, simple process — we handle the comparison for you

Personal Loans

Need funds for a renovation, holiday, wedding, or unexpected expense? We help you find personal loan solutions with competitive rates and flexible terms that suit your budget.

  • Secured and unsecured options
  • Debt consolidation loans
  • Medical and dental finance
  • Travel and lifestyle loans
  • Quick turnaround and simple process
✓Secured & unsecured options — we find the right fit for your needs
✓Debt consolidation, renovations, medical & lifestyle finance
✓Straightforward process with fast turnaround times

Private Lending

For complex financial situations, non-traditional income, or credit challenges — our private lending solutions provide fast, flexible funding where traditional banks often can't help.

  • Non-conforming and credit-impaired lending
  • Self-employed and complex income
  • Short-term bridging (3–12 months)
  • Fix-and-flip and development finance
  • Fast approval for time-sensitive deals
✓Solutions for complex situations traditional banks often decline
✓Short-term & bridging finance with flexible, tailored terms
✓Non-traditional income & credit profiles considered
Borrowing Power Calculator
How Much Can You Borrow?

Get an instant estimate of your borrowing capacity. For a personalised assessment, book a free consultation with Hayden.

Your Financial Details

$100,000
$0
$2,000/mo
$0/mo
5.5%
Estimated Borrowing Capacity
$647,000
Based on your inputs · Indicative only

BREAKDOWN

Estimated monthly repayment$3,670
Combined gross income$100,000 p.a.
Debt-to-income ratio6.47x
Interest rate used5.5%
Loan term30 years

This is an estimate only and does not constitute financial advice. Actual borrowing capacity depends on your full financial profile, lender policies, and credit assessment. Book a free consultation for a precise assessment.

Book Free Assessment →
AI-Powered Assistant
Ask Anything About Mortgages

Our AI mortgage assistant can answer your questions 24/7. For personalised advice, always speak with Hayden directly.

🤖

CFMS Mortgage Assistant

Powered by AI · Available 24/7

G'day! 👋 I'm the CFMS AI mortgage assistant. I can help answer your questions about home loans, refinancing, borrowing capacity, first home buyer grants, and more. What would you like to know?
Just now

⚠️ AI responses are general information only and not financial advice. Always consult a licensed broker for personalised guidance.

How It Works
Simple. Transparent. Stress-Free.

Our streamlined process takes you from enquiry to settlement with clarity at every step.

1

Enquire Now

We understand your goals, financial situation, and what you're looking to achieve — with zero obligation.

2

We Research & Compare

We search across 40+ lenders and compare rates, features, and structures to find your best fit.

3

Application & Pre-Approval

We prepare and submit your application, handling lender communication and paperwork on your behalf.

4

Settlement & Beyond

We see you through to settlement and continue to review your loan annually to keep it competitive.

Our Lender Panel
Access to Australia's Best Lenders

We're not tied to any single bank. We compare across major banks, non-banks, and specialist lenders to find your best option.

Commonwealth Bank Westpac ANZ NAB Macquarie Bank ING AMP Bank Bank of Queensland Bendigo Bank Bankwest Suncorp ME Bank St.George Adelaide Bank Pepper Money Liberty Financial La Trobe Financial Firstmac Resimac + Many More
Client Reviews
What Our Clients Say
★★★★★

"I have recently refinanced my mortgage with Hayden at Complete Finance & Mortgage Solutions. What a fantastic service. Hayden was very helpful and knowledgeable about different options for my situation."

C
Carol Sullivan
Mortgage Refinance · Google Review
★★★★★

"Hayden recently assisted us in purchasing our forever home. With his knowledge and expertise, he was able to get us the best mortgage that suited our needs. Hayden was always very accessible whenever we needed him."

S
Stephen Morales
Home Purchase · Google Review
★★★★★

"I recently worked with Hayden to refinance my home loan and was blown away by the experience. From the beginning, he stood out with his knowledge, positive attitude and eagerness to help. It was clear that my needs and goals were his top priority."

M
Mary Lew
Mortgage Refinance · Google Review
★★★★★

"I recently had the pleasure of working with Hayden to refinance my home, and I couldn't be more pleased with the experience. From start to finish, he was incredibly knowledgeable, professional, and dedicated to finding the best solution for my needs."

T
Timothy Sullivan
Mortgage Refinance · Google Review
View All Google Reviews
Hayden Murphy Complete Finance & Mortgage Solutions
Hayden Murphy
Principal Broker · Complete Finance & Mortgage Solutions
🎓
Diploma of Finance & Mortgage Broking Management
📊
Cert IV in Accounting & Bookkeeping
📈
Enrolled — Chartered Accountants (CA) Program
📋
ASIC Compliant · FBAA Member
⚖️
Best Interests Duty Accredited
🏦
Access to 40+ Lender Panel
👥
Backed by a Dedicated Support Team
🇦🇺
Australia-Wide Service
ABN: 69 678 509 638 · ACN: 678 509 638
Complete Finance & Mortgage Solutions
About Hayden & CFMS

Experience, Qualifications & a Team Behind You

Hayden Murphy is an experienced mortgage broker with a strong academic foundation in finance. He holds a Diploma of Finance & Mortgage Broking Management and a Certificate IV in Accounting & Bookkeeping, and is currently enrolled in the Chartered Accountants (CA) Program — bringing a level of financial depth that goes well beyond what most brokers offer.

With a wealth of knowledge spanning lending, finance strategy, and industry-leading software, Hayden is equipped to find solutions that truly work for each client's unique situation. He is backed by a dedicated support team, ensuring every client receives prompt, attentive service from first enquiry through to settlement and beyond.

At Complete Finance & Mortgage Solutions, we are committed to integrity, professionalism, and delivering tailored solutions that empower our clients to achieve their dreams of homeownership, financial security, and wealth generation. We proudly offer loans Australia-wide through both in-person and online consultations.

Book a Enquire Now Facebook LinkedIn
Complete Finance & Mortgage Solutions

Book Your Free Mortgage Health Check

Whether you're buying, investing, or looking to save on your current loan — get in touch for a no-obligation consultation with Hayden.

📍
Serving clients Australia-wide · In-person & online
🌐
cfmsolutions.com.au
📘
facebook.com/cfmsau
💼
LinkedIn: Complete Finance & Mortgage Solutions

Send an Enquiry