Mortgage Broker in The Ponds, Kellyville, Rouse Hill and surrounding suburbs

I specialise in first home buyers, property investors and those wanting to refinance. If you are a first home buyer, I will educate you and guide you through the process from how to secure the right finance, what property you can afford and how much your repayments will be, I will maximise your borrowing capacity and get you a loan that will require as little deposit as possible if you don't have too much savings. For first time property investors, you will learn how you can use the equity from your current home as a deposit for your first investment property. For those with existing home loans and looking for a better rate, I will search from the thousands of home loan products from my panel of more than 30 lenders to find the most suitable loan product for you.


  • Indra and Merry - Castle Hill
    It was nice to have Maria Papa as our mortgage broker. She made the experience of obtaining finance for our new home very easy. She was efficient, knowledgeable and helpful in exploring various mortgage options that suit our needs. We are very impressed and thankful to have obtained our loans through Maria, and we will be more than happy to use her service again if next opportunity arise. Once again, thanks for all your help Maria. We know that we've got the best available home loan in the market from you. Indra & Merry, Castle Hill
  • Matthew Sterling - NSW
    The service Maria provides is fantastic. She is very easy to contact and answered allof ourquestions very clearly. We discussed many different options and I am very satisfied with the end result. She is great to work with and I recommend her services to all of my friends and family.
  • Neal and Sirinan - Emu Plains
    Maria was outstanding and helped every step of the way. Nothing was to hard or to much bother.She understood our situation and explained everything to us. Her patience and time was always forthcoming and her experience was second to none.We would not have bought our home without her and we highly recommend her service to anyone. We can not thank her enough. When we are ready to buy our next house, Maria will be the first person we ring. Thank you so much Neal and Sirinan
  • Simmon & Cecil - Kellyville Ridge
    Maria Papa is definitely a great caliber broker. She always goes beyond the limit in helping and assisting her clients. Our experience with her leads us to believe in her capabilities even more. During the stressful moment of settlement period, she handled everything very professionally and was resolved like a crisp linen! We are so thankful that we did business with her and will definitely continue to do more. We would never hesitate recommend her to anybody. Definitely a good catch mortgage broker.
  • Rommel & Jerwin - Parramatta, NSW
    Maria Papa helped us achieve our dream of having our own home in Australia. Not only did she make the process so much easy for us but also ensured that all aspects are well understood. Her expertise and professionalism are truly invaluable. She's definitely a "must-have". Rommel & Jerwin
  • Anthony Tambrin and Michiko - Castle Hill NSW
    My wife and I needed to move very quickly in the purchase of property and the sale of our existing property at the same time and we were very fortunate to have Maria assisting and advising us throughout the whole process. Not only she promptly responded to every one of our enquiries, she did it with the highest standard of professionalism. Throughout our entire dealings and communication with her, she had always demonstrated thoroughness where she carried out due diligence and gave us timely facts, which greatly helped us making decisions. She was dedicated, reliable, responsive, and friendly. It is without any second thoughts that we would once again look for Maria's assistance in the future if we were buying a new property. We would recommend Maria to anyone looking to get a mortgage loan or any financial advice without any hesitation.
  • Jeffrey and Ver Adrias - Allawah
    When it comes to loans and you think you're stumped or have reached the end of the road so to speak, well think again. Maria Papa was introduced to us by a colleague not long ago and over the course of this period, not only has she provided us a solution to our financial needs but did so very professionally. An expert in her line of field who delivers appropriate solutions and provide timely feedback, Maria is also calm, cool and collected even when the going gets tough. With her endearing smile and infectious laughter, there was never a dull moment with her making this truly an enjoyable and educational journey in the world of finance. Not only have we found a reliable finance specialist in Maria but also a good friend for life!
  • Damien Crangle - Parramatta
    Maria always finds the best offer to suite your needs, she was even able to negotiate a better rate for me. Hard working, friendly, reliable and I would recommend her to anyone.
  • Fiona - Wentworth Point
    Thank you very much for all your help and your patience with as. We appreciate all the effort you put into finding the right product and following up with Homeside for us. I've learnt a lot in the process. I look forward to doing business with you again in the future.
  • Kim Maher
    Maria was excellent. Always available to me. Always returned my calls and answered any question I had. I was very impressed with the quality of the customer service she provided to me. Would highly recommend and refer Maria.
  • Michael Bryan - NSW
    Her service was excellent from start to finish.
  • Shane & Eliza
    We had the pleasure of finding Maria Papa as our Mortage Broker and financial advisor. We were not really in the market looking to refinance, but Maria was able to show us the benefit of doing so and how much money we could save off our loan as well as giving us some really useful financial advice on what to do with the money we saved. We are really happy with the advice and service that Maria was able to provide us with. She was very accommodating (driving out to meet us wherever and whenever) as well as giving us practical financial advice that was both achievable and easy to follow and understand.If you are in the market for seeking financial advice or advice on refinancing I would highly recommend Maria to anyone as she goes above and beyond and has an honest approach to giving you the best solution for your situation.Shane & Eliza
  • Kate & Troy McInnes
    ‘We recently enlisted the services of Finance Broker, Maria Papa of Loan Market, Norwest after a recommendation by our Real Estate Agent. Maria came to us and evaluated our financial position, offered the best advice and found the most competitive deal she could on finance for our land purchase. We couldn’t be more impressed and happy with how smoothly and efficiently our finance application and approval was achieved. Maria is very professional and communicative and without a doubt the best experince we’ve ever had in gaining finance, this being our 6th property purchase. Maria’s commitment to service and achieving the best for her clients honestly could not be any better, she’s absolutely fantastic!! I would 100% refer her to anyone requiring finance. We look forward to working with you again soon Maria, Thank you so much for everything. Kind Regards, Kate & Troy McInnes Orchard Way, Pitt Town’
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Latest News

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    As prices of properties in Australia have gone up, First Home Buyers are faced with the problem of saving the deposit to purchase their first home. So what are the ways First Home Buyers can purchase their first home sooner?

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    Most lenders require at least a 5 percent deposit that has been saved for at least 3 months. This is referred to as genuine savings. If your 5 per cent deposit comes from a gift from your family, sale of an asset, bonus from work, a tax refund, sale of a car or an inheritance, you will need to have the fund sit in your account for 3 months to establish genuine savings. But what if you want to purchase a property today and the 3 months savings has not been established yet? The 5 per cent deposit is now classified as non-genuine savings. Fortunately, there are lenders in the market who will lend as long as the following guidelines are met. If you have been renting for the last 12 months, Westpac, St George and CBA will consider rental history as proof of genuine savings even if the 5% deposit has not been saved for 3 months. These lenders recognise the difficulty of you paying rent and saving at the same time. These lenders will require you to provide a tenant’s ledger showing 12 months of rent history therefore it is important that the property you are renting is managed by a licensed property manager. The loan can go up to 95 percent of the value of the home and loan mortgage insurance can be added on top of the loan only up to 97 per cent maximum.

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    WHAT IS FAMILY PLEDGE? First Home Buyers with no deposit can use their mum and dad to assist. Mum and Dad have a fully paid property in which they live in. Kids can get the 20% of their purchase plus the cost of stamp duty and other costs and fees related to the purchase from the equity of their parent’s home. The other 80% will be secured by the property the Kids are purchasing. It is important that the Kids are able to service the full 100 % of the loan. This scenario will save the First Home Buyer Kids the cost of Loan Mortgage Insurance which can amount to thousands. If the parents have a loan in their home, we can either get the loan of the kids from the same lender where the parents’ loan sits or bring the parents’ loan to another lender where the kids are borrowing to purchase their first home.