Mortgage Broker in Penrith, Blue Mountains & Western Sydney

Based in Penrith and servicing the Blue Mountains and western Sydney, I am an accredited financial planner and finance broker able to deliver bespoke finance solutions that cater for all types of situations.

Our model is simple, we think outside the square, so not matter what your current financial situation or need, we will endeavor to find the right solution for you.

Educating clients about varying investment strategies and lending terms is core to my offering and my goal is to ensure clients can always make informed decisions.

Delivering personalised service and ‘outside the box’ solutions, I work one-on-one with clients throughout the financial process to help them build a prosperous and positive financial future.

Strategic financial solutions

In recommending finance solutions, I factor input variables across the finance spectrum, from capital gains and negative gearing, to shares, property portfolios, future earnings capacity and long term plans.

As a qualified financial adviser I have a deep understanding of Australian tax and ensure financial products are structured around tax minimisation and your unique financial position.


  • James & Joanne
    First Home Purchase
    I just wanted to thank you for looking after us so well for all of these years. It's been so reassuring to know that we have someone so conscientious to help us navigate through all the confusing and often overwhelming things to consider in buying a home. We're truly grateful
  • Omar & Najat
    First Home Purchase
    Charley was an AWESOME loan market agent ! He always answered his phone and replied to emails swiftly. He had a really good understanding of everything and we’d use him again the next time we buy a home. Highly recommended!”
  • Michael
    Investment Property
    For any one looking for a loan whether it is home or personal, Charley is the man you want to talk to. Charlie will leave no stone unturned in order to finalise an application. He will always do the upmost to get you the lowest rate and best terms of what there is to offer. You can't go wrong by giving Charley ago.
  • Susie
    First Home Buyer
    Never thought I would go through a broker for anything, and this first experience was top notch, excellent service, very professional and friendly. I could not have been happier to be referred to Charley personally for the purchase of my first property, everything was completed for me hassle free. Considering that it was my first home loan I had so many questions and trust me some may have sounded silly but Charley was very patient, very thorough and understanding he answered all of my questions. He was very prompt in getting back to me via phone and email, whether it be after hours and even on weekends. He kept me informed and updated me of the progress at all times and made my first purchase stress free from start to finish. I would highly recommend Charley to everyone who is going for their first home loan or any other service you will not be disappointed. It was a pleasure dealing with you, Thanks again Charley!
  • Nick & Tammy
    Owner Occupied (Interstate)
    Charley Martinez was a ' God send'. From the moment we told him what we wanted to do and what our plans where we had confidence in him. His questions where insightful and his manner was self assured and low key, in turn, giving us a sense of assurance. He immediately went to work and found several products for us that he explained in detail the pro's & con's and after some discussion we settled on the best one for us. It didn't end there, Charley researched the different bylaws, stamp duties and other associated costs for us to be mindful of and handled the whole loan process seamlessly. I/We where indeed impressed with the depth of knowledge ­ not just financially ­ about the whole process of property acquisition. We can confidently say that we recommend Charley Martinez most highly. He really did look after us well.
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Latest News

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    Negative gearing, capital gains and a possible Labor victory

    With the recent leadership spill - many questions have been raised. What does it mean for Australians and the housing market? Two things come to mind…

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    Rates are rising, but who will join the party?

    Westpac has broken the rate rise stalemate between the Big4 when it decided to raise home loan interest rates. With the official cash rate staying put by the Reserve Bank of Australia (RBA) and 3 of the Big4 now with a rate rise in play, who else will play copy cat and hike up their rates too?

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    Bank or broker? Who should help you with your loan.

    While there’s a lot to know when it comes to getting competitive, hassle-free advice on a loan, the question remains do you go with your bank or a mortgage broker?