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Sam Fraser

Finance & Mortgage Broker · Australia-wide

Finance built
around your life.

I work with first home buyers, investors and business owners across Australia — structuring finance around where you're headed, not just where you're at right now.

Based in Adelaide · Clients Australia-wide

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What are you working on?

🏠
Getting started

Buying my first home

FHB schemes, deposit help, and getting clear on your numbers before you start searching.

📈
Growing my portfolio

Investing in property

Equity access, investment structure, and finance built around your next purchase — and the one after.

🔄
Strategic reset

Refinancing

Better rate, debt consolidation, or freeing up cash flow. Your current loan might be costing you more than you think.

💼
Business growth

Business finance

Equipment, working capital, commercial property — structured around how business cash flow actually works.

80+
Lenders on our panel
5.0
Google rating
$0
Broker fee — free to you
AFG
Australia's largest aggregator
Client reviews

What clients say.

5.0 ★★★★★ 64 Google reviews
J
John C.
★★★★★
G

"Sam and Kayla at Fraser Finance were prompt and efficient in all aspects of their work with us. Sam managed to find a great outcome for us."

K
Kieran R.
★★★★★
G

"Great customer service and helped me with the steps throughout — was always happy to answer any of my questions."

A
Anthea M.
★★★★★
G

"Fraser Finance did a fantastic job with setting up our new loan and also helped my husband and son with their car loans. Very impressed!"

K
Karl C.
★★★★★
G

"Sam has been awesome to deal with, easy to contact, prompt, and got us the pre-approval so we can look for a new house with confidence. Thanks so much!"

C
Cody P.
★★★★★
G

"Sam helped me refinance my home loan specifically to my goals, then guided me on what my next best steps are. Really appreciated the ongoing advice."

E
Em C.
★★★★★
G

"We had a great experience with Fraser Finance and Sam Fraser. We've worked with Sam twice — he's always gone above and beyond."

M
Madison R.
★★★★★
G

"My partner and I worked with Sam to refinance our home loan. Sam made the whole process incredibly easy and was always available to help."

T
Tom P.
★★★★★
G

"Sam has been fantastic and thorough through the entire refinancing process. Communicated with us the whole way and we were very happy with the outcome!"

R
Rebecca W.
★★★★★
G

"We had an amazing experience with Sam. He is relatable and down to earth, which made him incredibly easy to talk to from the very first conversation."

B
Beau J.
★★★★★
G

"I had a fantastic experience working with Sam and Kayla. They made the entire mortgage process smooth, clear, and stress free. Highly recommend!"

R
Ryan S.
★★★★★
G

"Sam is absolutely fantastic. The process to apply and the steps required to get finance is made very easy by Sam and the team."

M
Michael H.
★★★★★
G

"Sam made the whole process easy and stress free. Managed to get me and my wife what we needed to build our dream home."

T
Tim M.
★★★★★
G

"I would highly recommend Sam and Fraser Finance for your home loan. We had a great experience from start to finish — he crushed every challenge."

K
Karen B.
★★★★★
G

"Sam and his team made buying our home a memorable experience. Our never-ending questions were answered and Kayla was so patient and helpful."

B
Bianca C.
★★★★★
G

"Sam was absolutely amazing, extremely knowledgeable, helpful, and genuinely cared about our loan process. No question was too much."

S
Scott A.
★★★★★
G

"Sam and Kayla were very professional, always kept us informed, and just as importantly — got us the best deal. Highly recommended."

A
Ashley M.
★★★★★
G

"Sam, Kayla and Focus made refinancing an absolute breeze and kept us informed at each and every step. Thoroughly recommended."

L
Lyndy K
★★★★★
G

"My AMAZING mortgage broker is Sam Fraser, Fraser Finance. This was my second mortgage with Sam, and again, he delivered above and beyond."

D
Declan W.
★★★★★
G

"Sam went above and beyond for us — made it a very easy and seamless process getting our home loan. His communication was outstanding."

D
Daniel M.
★★★★★
G

"Sam and Kayla made my first home buying experience extremely streamlined. They made sure it was a stress free process from start to finish."

T
Thomas K.
★★★★★
G

"Sam Fraser is an absolute beast at his job! I highly recommend Sam and the team at Focus."

I
Isaac Z.
★★★★★
G

"Sam and the team were helpful and attentive with my first home purchase, even though it took place over the Christmas/New Year period. Very impressed!"

U
Umar M.
★★★★★
G

"Outstanding experience with Sam Fraser — truly went the extra mile to make sure everything was handled perfectly. Couldn't recommend more."

J
Jennifer L.
★★★★★
G

"I had a great experience working with Sam towards my first home. He was incredibly knowledgeable and responsive, always available to answer questions."

P
Patricia C.
★★★★★
G

"I could not recommend Sam and his team highly enough. They are a team of bloody marvels — helped me through things I never thought possible."

R
Rachael G.
★★★★★
G

"Sam and the team at Focus were extremely helpful getting us our new home. Communicated clearly the whole way and always answered questions promptly."

A
Adam
★★★★★
G

"Sam went above and beyond for us to get our loan. His professionalism and support was amazing. Kayla was so helpful too. Highly recommend!"

F
Fiona R.
★★★★★
G

"Sam at Fraser Finance provided us with streamlined refinancing — saving us so much money on our loans! The savings speak for themselves."

T
Tiffany H.
★★★★★
G

"Sam sorted our first mortgage with ease. When we went to refinance, we tracked him down again. Never disappointed — highly recommend!"

A
Admin ICS
★★★★★
G

"I worked with Sam from Focus Mortgage to secure financing for a commercial property. His knowledge of the market and lenders was exceptional."

T
Toni B.
★★★★★
G

"My husband and I are so grateful to Sam Fraser at Fraser Finance. Sam took all the hard work out of refinancing — an absolute pleasure to work with."

M
Melissa S
★★★★★
G

"Sam is amazing! We have followed him and refinanced a few times. He knows what he's talking about and always delivers a great result."

T
Tom C.
★★★★★
G

"Working with Sam and Kayla at Fraser Finance has been great. Found us the best rate and guided us from start to finish. Will use Focus for all future mortgage needs."

A
Anthony D.
★★★★★
G

"My partner and I have had Sam work on our behalf for over 2 years, including a couple of refinancing to better deals. Always delivers."

J
Joachim P.
★★★★★
G

"Amazing experience with Sam! He absolutely made our dream come true. Sam went over and above every step of the process."

T
Terry C.
★★★★★
G

"Easiest finance process we have ever been through. Listened, understood our needs, gave loads of options. Friendly, professional, communication on point."

J
John C.
★★★★★
G

"Very happy with Sam and his team. He understood my needs and did his best to achieve an excellent outcome. Thank you for all your hard work."

C
Chris A.
★★★★★
G

"Sam helped me remortgage my house. From start to finish, he provided clear communication and a very professional service. Highly recommend."

P
Pete Z.
★★★★★
G

"Sam was great to deal with, no issues at all. Will absolutely be using him again."

Y
Yasmin
★★★★★
G

"Both Alex and Sam know their stuff. Answered every question promptly and made refinancing our home super, super easy!"

S
Shakeel A.
★★★★★
G

"Amazing customer service from Sam — he really cares deeply about how he can help. Saved us thousands of dollars. Would highly recommend!"

H
Harry Y.
★★★★★
G

"Words can't describe how grateful we were to have been introduced to Sam. The process was smooth and we are now in the home of our dreams."

S
Sara B.
★★★★★
G

"From start to finish Sam was amazing, always kept me up to date on where the loan was at and made refinancing my home loan so easy. Highly recommend."

K
Kathy
★★★★★
G

"Sam Fraser was very supportive throughout my first home purchase journey. I went to a few brokers before Sam — wish I had found him first!"

K
Krystiel
★★★★★
G

"Sam Fraser from Fraser Finance was amazing and made the process of buying a house so much simpler. Able to answer all of my many questions. Highly recommend."

C
Caden R.
★★★★★
G

"Couldn't speak more highly of Sam and the team at Fraser Finance — made buying our first home fast and effortless. 10/10."

L
Liam
★★★★★
G

"Couldn't rate my partner's and my experience any higher. Sam from Fraser Finance made everything quick and easy to understand. We will definitely go back!"

D
Daniel S.
★★★★★
G

"Couldn't be happier with the customer service from the guys at Focus. Sam in particular — great to deal with and made the process smooth and easy."

R
Rhys
★★★★★
G

"Sam from Fraser Finance was excellent to deal with and was happy to answer and help wherever possible. Cheers mate."

S
Shaun B.
★★★★★
G

"Sam was excellent and very proactive, making my first home purchase easy and stress free. I'll be recommending him to all my family and friends."

C
Cherylee S.
★★★★★
G

"Excellent service — communication was second to none, every question answered professionally and sound advice given throughout."

A
Alexander B.
★★★★★
G

"Sam Fraser was very helpful throughout the entire finance process and was incredibly patient with us as clients. Couldn't be happier."

T
Taylor L.
★★★★★
G

"Sam from Fraser Finance was incredible to deal with — made the process of purchasing my home quick and easy. Highly recommend."

L
Luke G.
★★★★★
G

"Sam was absolutely amazing to deal with, made refinancing our house a quick and easy process. Very open, honest, and clear about every step."

C
Chris B.
★★★★★
G

"Sam from Fraser Finance has been a life saver. He dropped everything to help me find a loan — exceeded every expectation."

J
John R.
★★★★★
G

"Thank you, Sam, for your time and effort to get us our trailer loan. Your quick and friendly service was greatly appreciated."

K
Keseva M.
★★★★★
G

"Sam at Fraser Finance was sensational. Kept me in the loop the whole time. Applied pressure on the bank for early settlement and succeeded."

P
Prem K.
★★★★★
G

"Excellent loan service from start to finish. Refinanced using their services and was informed at every step. Highly recommend."

S
Sue
★★★★★
G

"I want to thank Sam & Alex for making this experience so easy. I changed my mortgage to another lender and it was done in a week."

B
Beau J.
★★★★★
G

"Sam assisted me in getting my first mortgage. I was thoroughly impressed with his clear communication, efficient service and extensive knowledge. Highly recommend!"

L
Lachlan P.
★★★★★
G

"Sam is a true professional, took care of me from start to finish absolutely seamlessly. Sam has a client for life in myself."

J
Josh B.
★★★★★
G

"Sam and Kayla were incredibly helpful, thorough and professional all the way through our refinancing process. Can't recommend them highly enough."

K
Karren K.
★★★★★
G

"Sam was polite and professional, kept me up to date throughout and found me a great loan product that ticked all the boxes."

M
Michael P
★★★★★
G

"Sam and his team went above and beyond to help us with the refinancing of our home and unlocking equity for renovations. Outstanding service."

J
John C.
★★★★★
G

"Sam and Kayla at Fraser Finance were prompt and efficient in all aspects of their work with us. Sam managed to find a great outcome for us."

K
Kieran R.
★★★★★
G

"Great customer service and helped me with the steps throughout — was always happy to answer any of my questions."

A
Anthea M.
★★★★★
G

"Fraser Finance did a fantastic job with setting up our new loan and also helped my husband and son with their car loans. Very impressed!"

K
Karl C.
★★★★★
G

"Sam has been awesome to deal with, easy to contact, prompt, and got us the pre-approval so we can look for a new house with confidence. Thanks so much!"

C
Cody P.
★★★★★
G

"Sam helped me refinance my home loan specifically to my goals, then guided me on what my next best steps are. Really appreciated the ongoing advice."

E
Em C.
★★★★★
G

"We had a great experience with Fraser Finance and Sam Fraser. We've worked with Sam twice — he's always gone above and beyond."

M
Madison R.
★★★★★
G

"My partner and I worked with Sam to refinance our home loan. Sam made the whole process incredibly easy and was always available to help."

T
Tom P.
★★★★★
G

"Sam has been fantastic and thorough through the entire refinancing process. Communicated with us the whole way and we were very happy with the outcome!"

R
Rebecca W.
★★★★★
G

"We had an amazing experience with Sam. He is relatable and down to earth, which made him incredibly easy to talk to from the very first conversation."

B
Beau J.
★★★★★
G

"I had a fantastic experience working with Sam and Kayla. They made the entire mortgage process smooth, clear, and stress free. Highly recommend!"

R
Ryan S.
★★★★★
G

"Sam is absolutely fantastic. The process to apply and the steps required to get finance is made very easy by Sam and the team."

M
Michael H.
★★★★★
G

"Sam made the whole process easy and stress free. Managed to get me and my wife what we needed to build our dream home."

T
Tim M.
★★★★★
G

"I would highly recommend Sam and Fraser Finance for your home loan. We had a great experience from start to finish — he crushed every challenge."

K
Karen B.
★★★★★
G

"Sam and his team made buying our home a memorable experience. Our never-ending questions were answered and Kayla was so patient and helpful."

B
Bianca C.
★★★★★
G

"Sam was absolutely amazing, extremely knowledgeable, helpful, and genuinely cared about our loan process. No question was too much."

S
Scott A.
★★★★★
G

"Sam and Kayla were very professional, always kept us informed, and just as importantly — got us the best deal. Highly recommended."

A
Ashley M.
★★★★★
G

"Sam, Kayla and Focus made refinancing an absolute breeze and kept us informed at each and every step. Thoroughly recommended."

L
Lyndy K
★★★★★
G

"My AMAZING mortgage broker is Sam Fraser, Fraser Finance. This was my second mortgage with Sam, and again, he delivered above and beyond."

D
Declan W.
★★★★★
G

"Sam went above and beyond for us — made it a very easy and seamless process getting our home loan. His communication was outstanding."

D
Daniel M.
★★★★★
G

"Sam and Kayla made my first home buying experience extremely streamlined. They made sure it was a stress free process from start to finish."

T
Thomas K.
★★★★★
G

"Sam Fraser is an absolute beast at his job! I highly recommend Sam and the team at Focus."

I
Isaac Z.
★★★★★
G

"Sam and the team were helpful and attentive with my first home purchase, even though it took place over the Christmas/New Year period. Very impressed!"

U
Umar M.
★★★★★
G

"Outstanding experience with Sam Fraser — truly went the extra mile to make sure everything was handled perfectly. Couldn't recommend more."

J
Jennifer L.
★★★★★
G

"I had a great experience working with Sam towards my first home. He was incredibly knowledgeable and responsive, always available to answer questions."

P
Patricia C.
★★★★★
G

"I could not recommend Sam and his team highly enough. They are a team of bloody marvels — helped me through things I never thought possible."

R
Rachael G.
★★★★★
G

"Sam and the team at Focus were extremely helpful getting us our new home. Communicated clearly the whole way and always answered questions promptly."

A
Adam
★★★★★
G

"Sam went above and beyond for us to get our loan. His professionalism and support was amazing. Kayla was so helpful too. Highly recommend!"

F
Fiona R.
★★★★★
G

"Sam at Fraser Finance provided us with streamlined refinancing — saving us so much money on our loans! The savings speak for themselves."

T
Tiffany H.
★★★★★
G

"Sam sorted our first mortgage with ease. When we went to refinance, we tracked him down again. Never disappointed — highly recommend!"

A
Admin ICS
★★★★★
G

"I worked with Sam from Focus Mortgage to secure financing for a commercial property. His knowledge of the market and lenders was exceptional."

T
Toni B.
★★★★★
G

"My husband and I are so grateful to Sam Fraser at Fraser Finance. Sam took all the hard work out of refinancing — an absolute pleasure to work with."

M
Melissa S
★★★★★
G

"Sam is amazing! We have followed him and refinanced a few times. He knows what he's talking about and always delivers a great result."

T
Tom C.
★★★★★
G

"Working with Sam and Kayla at Fraser Finance has been great. Found us the best rate and guided us from start to finish. Will use Focus for all future mortgage needs."

A
Anthony D.
★★★★★
G

"My partner and I have had Sam work on our behalf for over 2 years, including a couple of refinancing to better deals. Always delivers."

J
Joachim P.
★★★★★
G

"Amazing experience with Sam! He absolutely made our dream come true. Sam went over and above every step of the process."

T
Terry C.
★★★★★
G

"Easiest finance process we have ever been through. Listened, understood our needs, gave loads of options. Friendly, professional, communication on point."

J
John C.
★★★★★
G

"Very happy with Sam and his team. He understood my needs and did his best to achieve an excellent outcome. Thank you for all your hard work."

C
Chris A.
★★★★★
G

"Sam helped me remortgage my house. From start to finish, he provided clear communication and a very professional service. Highly recommend."

P
Pete Z.
★★★★★
G

"Sam was great to deal with, no issues at all. Will absolutely be using him again."

Y
Yasmin
★★★★★
G

"Both Alex and Sam know their stuff. Answered every question promptly and made refinancing our home super, super easy!"

S
Shakeel A.
★★★★★
G

"Amazing customer service from Sam — he really cares deeply about how he can help. Saved us thousands of dollars. Would highly recommend!"

H
Harry Y.
★★★★★
G

"Words can't describe how grateful we were to have been introduced to Sam. The process was smooth and we are now in the home of our dreams."

S
Sara B.
★★★★★
G

"From start to finish Sam was amazing, always kept me up to date on where the loan was at and made refinancing my home loan so easy. Highly recommend."

K
Kathy
★★★★★
G

"Sam Fraser was very supportive throughout my first home purchase journey. I went to a few brokers before Sam — wish I had found him first!"

K
Krystiel
★★★★★
G

"Sam Fraser from Fraser Finance was amazing and made the process of buying a house so much simpler. Able to answer all of my many questions. Highly recommend."

C
Caden R.
★★★★★
G

"Couldn't speak more highly of Sam and the team at Fraser Finance — made buying our first home fast and effortless. 10/10."

L
Liam
★★★★★
G

"Couldn't rate my partner's and my experience any higher. Sam from Fraser Finance made everything quick and easy to understand. We will definitely go back!"

D
Daniel S.
★★★★★
G

"Couldn't be happier with the customer service from the guys at Focus. Sam in particular — great to deal with and made the process smooth and easy."

R
Rhys
★★★★★
G

"Sam from Fraser Finance was excellent to deal with and was happy to answer and help wherever possible. Cheers mate."

S
Shaun B.
★★★★★
G

"Sam was excellent and very proactive, making my first home purchase easy and stress free. I'll be recommending him to all my family and friends."

C
Cherylee S.
★★★★★
G

"Excellent service — communication was second to none, every question answered professionally and sound advice given throughout."

A
Alexander B.
★★★★★
G

"Sam Fraser was very helpful throughout the entire finance process and was incredibly patient with us as clients. Couldn't be happier."

T
Taylor L.
★★★★★
G

"Sam from Fraser Finance was incredible to deal with — made the process of purchasing my home quick and easy. Highly recommend."

L
Luke G.
★★★★★
G

"Sam was absolutely amazing to deal with, made refinancing our house a quick and easy process. Very open, honest, and clear about every step."

C
Chris B.
★★★★★
G

"Sam from Fraser Finance has been a life saver. He dropped everything to help me find a loan — exceeded every expectation."

J
John R.
★★★★★
G

"Thank you, Sam, for your time and effort to get us our trailer loan. Your quick and friendly service was greatly appreciated."

K
Keseva M.
★★★★★
G

"Sam at Fraser Finance was sensational. Kept me in the loop the whole time. Applied pressure on the bank for early settlement and succeeded."

P
Prem K.
★★★★★
G

"Excellent loan service from start to finish. Refinanced using their services and was informed at every step. Highly recommend."

S
Sue
★★★★★
G

"I want to thank Sam & Alex for making this experience so easy. I changed my mortgage to another lender and it was done in a week."

B
Beau J.
★★★★★
G

"Sam assisted me in getting my first mortgage. I was thoroughly impressed with his clear communication, efficient service and extensive knowledge. Highly recommend!"

L
Lachlan P.
★★★★★
G

"Sam is a true professional, took care of me from start to finish absolutely seamlessly. Sam has a client for life in myself."

J
Josh B.
★★★★★
G

"Sam and Kayla were incredibly helpful, thorough and professional all the way through our refinancing process. Can't recommend them highly enough."

K
Karren K.
★★★★★
G

"Sam was polite and professional, kept me up to date throughout and found me a great loan product that ticked all the boxes."

M
Michael P
★★★★★
G

"Sam and his team went above and beyond to help us with the refinancing of our home and unlocking equity for renovations. Outstanding service."

J
John C.
★★★★★
G

"Sam and Kayla at Fraser Finance were prompt and efficient in all aspects of their work with us. Sam managed to find a great outcome for us."

K
Kieran R.
★★★★★
G

"Great customer service and helped me with the steps throughout — was always happy to answer any of my questions."

A
Anthea M.
★★★★★
G

"Fraser Finance did a fantastic job with setting up our new loan and also helped my husband and son with their car loans. Very impressed!"

K
Karl C.
★★★★★
G

"Sam has been awesome to deal with, easy to contact, prompt, and got us the pre-approval so we can look for a new house with confidence. Thanks so much!"

C
Cody P.
★★★★★
G

"Sam helped me refinance my home loan specifically to my goals, then guided me on what my next best steps are. Really appreciated the ongoing advice."

E
Em C.
★★★★★
G

"We had a great experience with Fraser Finance and Sam Fraser. We've worked with Sam twice — he's always gone above and beyond."

M
Madison R.
★★★★★
G

"My partner and I worked with Sam to refinance our home loan. Sam made the whole process incredibly easy and was always available to help."

T
Tom P.
★★★★★
G

"Sam has been fantastic and thorough through the entire refinancing process. Communicated with us the whole way and we were very happy with the outcome!"

R
Rebecca W.
★★★★★
G

"We had an amazing experience with Sam. He is relatable and down to earth, which made him incredibly easy to talk to from the very first conversation."

B
Beau J.
★★★★★
G

"I had a fantastic experience working with Sam and Kayla. They made the entire mortgage process smooth, clear, and stress free. Highly recommend!"

R
Ryan S.
★★★★★
G

"Sam is absolutely fantastic. The process to apply and the steps required to get finance is made very easy by Sam and the team."

M
Michael H.
★★★★★
G

"Sam made the whole process easy and stress free. Managed to get me and my wife what we needed to build our dream home."

T
Tim M.
★★★★★
G

"I would highly recommend Sam and Fraser Finance for your home loan. We had a great experience from start to finish — he crushed every challenge."

K
Karen B.
★★★★★
G

"Sam and his team made buying our home a memorable experience. Our never-ending questions were answered and Kayla was so patient and helpful."

B
Bianca C.
★★★★★
G

"Sam was absolutely amazing, extremely knowledgeable, helpful, and genuinely cared about our loan process. No question was too much."

S
Scott A.
★★★★★
G

"Sam and Kayla were very professional, always kept us informed, and just as importantly — got us the best deal. Highly recommended."

A
Ashley M.
★★★★★
G

"Sam, Kayla and Focus made refinancing an absolute breeze and kept us informed at each and every step. Thoroughly recommended."

L
Lyndy K
★★★★★
G

"My AMAZING mortgage broker is Sam Fraser, Fraser Finance. This was my second mortgage with Sam, and again, he delivered above and beyond."

D
Declan W.
★★★★★
G

"Sam went above and beyond for us — made it a very easy and seamless process getting our home loan. His communication was outstanding."

D
Daniel M.
★★★★★
G

"Sam and Kayla made my first home buying experience extremely streamlined. They made sure it was a stress free process from start to finish."

T
Thomas K.
★★★★★
G

"Sam Fraser is an absolute beast at his job! I highly recommend Sam and the team at Focus."

I
Isaac Z.
★★★★★
G

"Sam and the team were helpful and attentive with my first home purchase, even though it took place over the Christmas/New Year period. Very impressed!"

U
Umar M.
★★★★★
G

"Outstanding experience with Sam Fraser — truly went the extra mile to make sure everything was handled perfectly. Couldn't recommend more."

J
Jennifer L.
★★★★★
G

"I had a great experience working with Sam towards my first home. He was incredibly knowledgeable and responsive, always available to answer questions."

P
Patricia C.
★★★★★
G

"I could not recommend Sam and his team highly enough. They are a team of bloody marvels — helped me through things I never thought possible."

R
Rachael G.
★★★★★
G

"Sam and the team at Focus were extremely helpful getting us our new home. Communicated clearly the whole way and always answered questions promptly."

A
Adam
★★★★★
G

"Sam went above and beyond for us to get our loan. His professionalism and support was amazing. Kayla was so helpful too. Highly recommend!"

F
Fiona R.
★★★★★
G

"Sam at Fraser Finance provided us with streamlined refinancing — saving us so much money on our loans! The savings speak for themselves."

T
Tiffany H.
★★★★★
G

"Sam sorted our first mortgage with ease. When we went to refinance, we tracked him down again. Never disappointed — highly recommend!"

A
Admin ICS
★★★★★
G

"I worked with Sam from Focus Mortgage to secure financing for a commercial property. His knowledge of the market and lenders was exceptional."

T
Toni B.
★★★★★
G

"My husband and I are so grateful to Sam Fraser at Fraser Finance. Sam took all the hard work out of refinancing — an absolute pleasure to work with."

M
Melissa S
★★★★★
G

"Sam is amazing! We have followed him and refinanced a few times. He knows what he's talking about and always delivers a great result."

T
Tom C.
★★★★★
G

"Working with Sam and Kayla at Fraser Finance has been great. Found us the best rate and guided us from start to finish. Will use Focus for all future mortgage needs."

A
Anthony D.
★★★★★
G

"My partner and I have had Sam work on our behalf for over 2 years, including a couple of refinancing to better deals. Always delivers."

J
Joachim P.
★★★★★
G

"Amazing experience with Sam! He absolutely made our dream come true. Sam went over and above every step of the process."

T
Terry C.
★★★★★
G

"Easiest finance process we have ever been through. Listened, understood our needs, gave loads of options. Friendly, professional, communication on point."

J
John C.
★★★★★
G

"Very happy with Sam and his team. He understood my needs and did his best to achieve an excellent outcome. Thank you for all your hard work."

C
Chris A.
★★★★★
G

"Sam helped me remortgage my house. From start to finish, he provided clear communication and a very professional service. Highly recommend."

P
Pete Z.
★★★★★
G

"Sam was great to deal with, no issues at all. Will absolutely be using him again."

Y
Yasmin
★★★★★
G

"Both Alex and Sam know their stuff. Answered every question promptly and made refinancing our home super, super easy!"

S
Shakeel A.
★★★★★
G

"Amazing customer service from Sam — he really cares deeply about how he can help. Saved us thousands of dollars. Would highly recommend!"

H
Harry Y.
★★★★★
G

"Words can't describe how grateful we were to have been introduced to Sam. The process was smooth and we are now in the home of our dreams."

S
Sara B.
★★★★★
G

"From start to finish Sam was amazing, always kept me up to date on where the loan was at and made refinancing my home loan so easy. Highly recommend."

K
Kathy
★★★★★
G

"Sam Fraser was very supportive throughout my first home purchase journey. I went to a few brokers before Sam — wish I had found him first!"

K
Krystiel
★★★★★
G

"Sam Fraser from Fraser Finance was amazing and made the process of buying a house so much simpler. Able to answer all of my many questions. Highly recommend."

C
Caden R.
★★★★★
G

"Couldn't speak more highly of Sam and the team at Fraser Finance — made buying our first home fast and effortless. 10/10."

L
Liam
★★★★★
G

"Couldn't rate my partner's and my experience any higher. Sam from Fraser Finance made everything quick and easy to understand. We will definitely go back!"

D
Daniel S.
★★★★★
G

"Couldn't be happier with the customer service from the guys at Focus. Sam in particular — great to deal with and made the process smooth and easy."

R
Rhys
★★★★★
G

"Sam from Fraser Finance was excellent to deal with and was happy to answer and help wherever possible. Cheers mate."

S
Shaun B.
★★★★★
G

"Sam was excellent and very proactive, making my first home purchase easy and stress free. I'll be recommending him to all my family and friends."

C
Cherylee S.
★★★★★
G

"Excellent service — communication was second to none, every question answered professionally and sound advice given throughout."

A
Alexander B.
★★★★★
G

"Sam Fraser was very helpful throughout the entire finance process and was incredibly patient with us as clients. Couldn't be happier."

T
Taylor L.
★★★★★
G

"Sam from Fraser Finance was incredible to deal with — made the process of purchasing my home quick and easy. Highly recommend."

L
Luke G.
★★★★★
G

"Sam was absolutely amazing to deal with, made refinancing our house a quick and easy process. Very open, honest, and clear about every step."

C
Chris B.
★★★★★
G

"Sam from Fraser Finance has been a life saver. He dropped everything to help me find a loan — exceeded every expectation."

J
John R.
★★★★★
G

"Thank you, Sam, for your time and effort to get us our trailer loan. Your quick and friendly service was greatly appreciated."

K
Keseva M.
★★★★★
G

"Sam at Fraser Finance was sensational. Kept me in the loop the whole time. Applied pressure on the bank for early settlement and succeeded."

P
Prem K.
★★★★★
G

"Excellent loan service from start to finish. Refinanced using their services and was informed at every step. Highly recommend."

S
Sue
★★★★★
G

"I want to thank Sam & Alex for making this experience so easy. I changed my mortgage to another lender and it was done in a week."

B
Beau J.
★★★★★
G

"Sam assisted me in getting my first mortgage. I was thoroughly impressed with his clear communication, efficient service and extensive knowledge. Highly recommend!"

L
Lachlan P.
★★★★★
G

"Sam is a true professional, took care of me from start to finish absolutely seamlessly. Sam has a client for life in myself."

J
Josh B.
★★★★★
G

"Sam and Kayla were incredibly helpful, thorough and professional all the way through our refinancing process. Can't recommend them highly enough."

K
Karren K.
★★★★★
G

"Sam was polite and professional, kept me up to date throughout and found me a great loan product that ticked all the boxes."

M
Michael P
★★★★★
G

"Sam and his team went above and beyond to help us with the refinancing of our home and unlocking equity for renovations. Outstanding service."

J
John C.
★★★★★
G

"Sam and Kayla at Fraser Finance were prompt and efficient in all aspects of their work with us. Sam managed to find a great outcome for us."

K
Kieran R.
★★★★★
G

"Great customer service and helped me with the steps throughout — was always happy to answer any of my questions."

A
Anthea M.
★★★★★
G

"Fraser Finance did a fantastic job with setting up our new loan and also helped my husband and son with their car loans. Very impressed!"

K
Karl C.
★★★★★
G

"Sam has been awesome to deal with, easy to contact, prompt, and got us the pre-approval so we can look for a new house with confidence. Thanks so much!"

C
Cody P.
★★★★★
G

"Sam helped me refinance my home loan specifically to my goals, then guided me on what my next best steps are. Really appreciated the ongoing advice."

E
Em C.
★★★★★
G

"We had a great experience with Fraser Finance and Sam Fraser. We've worked with Sam twice — he's always gone above and beyond."

M
Madison R.
★★★★★
G

"My partner and I worked with Sam to refinance our home loan. Sam made the whole process incredibly easy and was always available to help."

T
Tom P.
★★★★★
G

"Sam has been fantastic and thorough through the entire refinancing process. Communicated with us the whole way and we were very happy with the outcome!"

R
Rebecca W.
★★★★★
G

"We had an amazing experience with Sam. He is relatable and down to earth, which made him incredibly easy to talk to from the very first conversation."

B
Beau J.
★★★★★
G

"I had a fantastic experience working with Sam and Kayla. They made the entire mortgage process smooth, clear, and stress free. Highly recommend!"

R
Ryan S.
★★★★★
G

"Sam is absolutely fantastic. The process to apply and the steps required to get finance is made very easy by Sam and the team."

M
Michael H.
★★★★★
G

"Sam made the whole process easy and stress free. Managed to get me and my wife what we needed to build our dream home."

T
Tim M.
★★★★★
G

"I would highly recommend Sam and Fraser Finance for your home loan. We had a great experience from start to finish — he crushed every challenge."

K
Karen B.
★★★★★
G

"Sam and his team made buying our home a memorable experience. Our never-ending questions were answered and Kayla was so patient and helpful."

B
Bianca C.
★★★★★
G

"Sam was absolutely amazing, extremely knowledgeable, helpful, and genuinely cared about our loan process. No question was too much."

S
Scott A.
★★★★★
G

"Sam and Kayla were very professional, always kept us informed, and just as importantly — got us the best deal. Highly recommended."

A
Ashley M.
★★★★★
G

"Sam, Kayla and Focus made refinancing an absolute breeze and kept us informed at each and every step. Thoroughly recommended."

L
Lyndy K
★★★★★
G

"My AMAZING mortgage broker is Sam Fraser, Fraser Finance. This was my second mortgage with Sam, and again, he delivered above and beyond."

D
Declan W.
★★★★★
G

"Sam went above and beyond for us — made it a very easy and seamless process getting our home loan. His communication was outstanding."

D
Daniel M.
★★★★★
G

"Sam and Kayla made my first home buying experience extremely streamlined. They made sure it was a stress free process from start to finish."

T
Thomas K.
★★★★★
G

"Sam Fraser is an absolute beast at his job! I highly recommend Sam and the team at Focus."

I
Isaac Z.
★★★★★
G

"Sam and the team were helpful and attentive with my first home purchase, even though it took place over the Christmas/New Year period. Very impressed!"

U
Umar M.
★★★★★
G

"Outstanding experience with Sam Fraser — truly went the extra mile to make sure everything was handled perfectly. Couldn't recommend more."

J
Jennifer L.
★★★★★
G

"I had a great experience working with Sam towards my first home. He was incredibly knowledgeable and responsive, always available to answer questions."

P
Patricia C.
★★★★★
G

"I could not recommend Sam and his team highly enough. They are a team of bloody marvels — helped me through things I never thought possible."

R
Rachael G.
★★★★★
G

"Sam and the team at Focus were extremely helpful getting us our new home. Communicated clearly the whole way and always answered questions promptly."

A
Adam
★★★★★
G

"Sam went above and beyond for us to get our loan. His professionalism and support was amazing. Kayla was so helpful too. Highly recommend!"

F
Fiona R.
★★★★★
G

"Sam at Fraser Finance provided us with streamlined refinancing — saving us so much money on our loans! The savings speak for themselves."

T
Tiffany H.
★★★★★
G

"Sam sorted our first mortgage with ease. When we went to refinance, we tracked him down again. Never disappointed — highly recommend!"

A
Admin ICS
★★★★★
G

"I worked with Sam from Focus Mortgage to secure financing for a commercial property. His knowledge of the market and lenders was exceptional."

T
Toni B.
★★★★★
G

"My husband and I are so grateful to Sam Fraser at Fraser Finance. Sam took all the hard work out of refinancing — an absolute pleasure to work with."

M
Melissa S
★★★★★
G

"Sam is amazing! We have followed him and refinanced a few times. He knows what he's talking about and always delivers a great result."

T
Tom C.
★★★★★
G

"Working with Sam and Kayla at Fraser Finance has been great. Found us the best rate and guided us from start to finish. Will use Focus for all future mortgage needs."

A
Anthony D.
★★★★★
G

"My partner and I have had Sam work on our behalf for over 2 years, including a couple of refinancing to better deals. Always delivers."

J
Joachim P.
★★★★★
G

"Amazing experience with Sam! He absolutely made our dream come true. Sam went over and above every step of the process."

T
Terry C.
★★★★★
G

"Easiest finance process we have ever been through. Listened, understood our needs, gave loads of options. Friendly, professional, communication on point."

J
John C.
★★★★★
G

"Very happy with Sam and his team. He understood my needs and did his best to achieve an excellent outcome. Thank you for all your hard work."

C
Chris A.
★★★★★
G

"Sam helped me remortgage my house. From start to finish, he provided clear communication and a very professional service. Highly recommend."

P
Pete Z.
★★★★★
G

"Sam was great to deal with, no issues at all. Will absolutely be using him again."

Y
Yasmin
★★★★★
G

"Both Alex and Sam know their stuff. Answered every question promptly and made refinancing our home super, super easy!"

S
Shakeel A.
★★★★★
G

"Amazing customer service from Sam — he really cares deeply about how he can help. Saved us thousands of dollars. Would highly recommend!"

H
Harry Y.
★★★★★
G

"Words can't describe how grateful we were to have been introduced to Sam. The process was smooth and we are now in the home of our dreams."

S
Sara B.
★★★★★
G

"From start to finish Sam was amazing, always kept me up to date on where the loan was at and made refinancing my home loan so easy. Highly recommend."

K
Kathy
★★★★★
G

"Sam Fraser was very supportive throughout my first home purchase journey. I went to a few brokers before Sam — wish I had found him first!"

K
Krystiel
★★★★★
G

"Sam Fraser from Fraser Finance was amazing and made the process of buying a house so much simpler. Able to answer all of my many questions. Highly recommend."

C
Caden R.
★★★★★
G

"Couldn't speak more highly of Sam and the team at Fraser Finance — made buying our first home fast and effortless. 10/10."

L
Liam
★★★★★
G

"Couldn't rate my partner's and my experience any higher. Sam from Fraser Finance made everything quick and easy to understand. We will definitely go back!"

D
Daniel S.
★★★★★
G

"Couldn't be happier with the customer service from the guys at Focus. Sam in particular — great to deal with and made the process smooth and easy."

R
Rhys
★★★★★
G

"Sam from Fraser Finance was excellent to deal with and was happy to answer and help wherever possible. Cheers mate."

S
Shaun B.
★★★★★
G

"Sam was excellent and very proactive, making my first home purchase easy and stress free. I'll be recommending him to all my family and friends."

C
Cherylee S.
★★★★★
G

"Excellent service — communication was second to none, every question answered professionally and sound advice given throughout."

A
Alexander B.
★★★★★
G

"Sam Fraser was very helpful throughout the entire finance process and was incredibly patient with us as clients. Couldn't be happier."

T
Taylor L.
★★★★★
G

"Sam from Fraser Finance was incredible to deal with — made the process of purchasing my home quick and easy. Highly recommend."

L
Luke G.
★★★★★
G

"Sam was absolutely amazing to deal with, made refinancing our house a quick and easy process. Very open, honest, and clear about every step."

C
Chris B.
★★★★★
G

"Sam from Fraser Finance has been a life saver. He dropped everything to help me find a loan — exceeded every expectation."

J
John R.
★★★★★
G

"Thank you, Sam, for your time and effort to get us our trailer loan. Your quick and friendly service was greatly appreciated."

K
Keseva M.
★★★★★
G

"Sam at Fraser Finance was sensational. Kept me in the loop the whole time. Applied pressure on the bank for early settlement and succeeded."

P
Prem K.
★★★★★
G

"Excellent loan service from start to finish. Refinanced using their services and was informed at every step. Highly recommend."

S
Sue
★★★★★
G

"I want to thank Sam & Alex for making this experience so easy. I changed my mortgage to another lender and it was done in a week."

B
Beau J.
★★★★★
G

"Sam assisted me in getting my first mortgage. I was thoroughly impressed with his clear communication, efficient service and extensive knowledge. Highly recommend!"

L
Lachlan P.
★★★★★
G

"Sam is a true professional, took care of me from start to finish absolutely seamlessly. Sam has a client for life in myself."

J
Josh B.
★★★★★
G

"Sam and Kayla were incredibly helpful, thorough and professional all the way through our refinancing process. Can't recommend them highly enough."

K
Karren K.
★★★★★
G

"Sam was polite and professional, kept me up to date throughout and found me a great loan product that ticked all the boxes."

M
Michael P
★★★★★
G

"Sam and his team went above and beyond to help us with the refinancing of our home and unlocking equity for renovations. Outstanding service."

Sam Fraser, Fraser Finance
Sam Fraser · Mortgage Broker
Why Fraser Finance

A broker who works for you, not the bank.

Most people walk into their bank when they need a home loan. That's like asking one restaurant what's for dinner — you get one answer, and no idea what else is on offer.

At Fraser Finance, we represent you. We search across 80+ lenders to find the loan that fits your situation today — and that positions you well for wherever you're headed next. Whether that's your first home, your third investment property, or growing your business.

"The right structure at the start saves you years of unnecessary cost down the track."
Book a free call
01 · Market Access

80+ lenders, one conversation

As part of the AFG network — Australia's largest mortgage aggregator — we access lenders, products, and rates that most borrowers never see on their own. We present the options; you make the call.

02 · Clear Process

No jargon, no surprises

We explain your options in plain English before anything is signed. From first conversation to settlement, you know exactly where things stand, what comes next, and why we're recommending it.

03 · Long-Term Support

A broker for life

We review your loan regularly to make sure it's still working hard for you. Your situation changes — your finance should keep pace. We're not here just for settlement; we're here for the long run.

What we do

Finance for every stage of the journey.

From your first home to a multi-property portfolio and the business assets in between.

Getting started

First Home Buyers

Your first loan shapes everything that comes after. We make sure you access every scheme available and that the structure serves your long-term goals — not just today's repayment figure.

Learn more →
Owner-occupier

Home Loans

Buying, upsizing, or building new — we find the loan that fits your life today and leaves room for where you want to be tomorrow. We handle the search; you choose.

Learn more →
Strategic reset

Refinancing

Refinancing isn't just about chasing a lower rate. It's a chance to restructure your finance around where you're going, not where you've been. We'll tell you whether it's worth it.

Learn more →
Portfolio building

Investment Loans

Finance structured for investors thinking two or three moves ahead. Equity release timing, lender sequencing, and loan features that keep your portfolio moving forward.

Learn more →
Super strategy

SMSF Loans

Buying property through your SMSF is more complex than standard investment lending. We work through the compliance requirements and lender criteria specific to LRBA structures.

Learn more →
Business growth

Business Finance

Commercial property, equipment, working capital. We understand how business cash flow works — and structure finance that works with it, not against it.

Learn more →
Wheels & lifestyle

Car Loans

New car, used car, or novated lease — we find the right finance structure so you're not just taking whatever rate the dealership offers. Fast approvals, competitive rates.

Get a quote →
Asset finance

Personal Loans

Renovations, debt consolidation, a big purchase — we help structure personal lending that fits your budget and doesn't cost you more than it should over time.

Get a quote →
Business & trade

Equipment Finance

Fit-outs, machinery, vehicles, technology. We structure asset finance so your cash flow stays free and the asset works for your business from day one.

Get a quote →
Know your numbers

Run the numbers right now.

No sign-up. No credit check. Just instant clarity on what you could borrow and what it might cost.

$
%
yrs
Monthly Repayment
$3,792
Total Repayment
$1,365,120
Total Interest
$765,120
Book a free call →
$
$
$
$
$
0
Estimated Borrowing Power
$524,000
Est. Monthly Repayment
$3,316
Based on
6.50% p.a. · 30 yr P&I

Estimate only. Actual borrowing capacity depends on your full financial picture and lender assessment criteria.

Book a free call →
$
%
%
yrs
Monthly Saving
$247
Annual Saving
$2,964
Total Saving Over Loan
$74,100
Book a free call →
How it works

We make it simple.

We handle everything from first conversation to settlement — and stay in your corner long after.

🏦

We're not a bank

We represent you, not a lender. That means we search the market on your behalf and only recommend what suits your situation.

🎯

Tailored advice

We look at your goals, not just today's rate. The right loan for your neighbour might not be the right loan for you.

📋

Less paperwork

We manage the application from start to settlement. You sign where needed — we do everything else.

Fast approvals

Our lender relationships help us move quickly. When timing matters — at auction or tight settlement — we work fast.

AFG Network
Australia's Largest Aggregator
MFAA Member
Mortgage & Finance Association
ACL 389087
Australian Credit Licence
5.0 ★ Google
Verified Client Reviews
Our lender panel

Access to 80+ lenders — from the big four banks to specialist and non-bank lenders.

Let's look at your situation.

Book a free call and we'll walk through your options — no obligation, no jargon, no pressure.

Book a free call Download our free guides

Know someone who needs help with finance?

Send them Sam's way — whether it's a mate buying their first home, a family member refinancing, or a colleague after a car loan. Fill in the quick form below and Sam will reach out personally.

1

Fill in their details

Takes about 60 seconds. Just the basics about who you're sending through.

2

Sam gives them a call

A friendly, no-pressure chat about what they're looking for.

3

They get sorted

Sam finds them the right deal and walks them through the whole process.

About you

About them

Sam will reach out to your referral personally.

Get in touch

Let's talk about your situation.

Fill in the form and Sam will be in touch within one business day. Or if you'd prefer, book a call directly.

Your details are kept private and never shared.

Need finance beyond the home loan?

From cars and utes to equipment and personal loans — Sam structures asset finance that fits your life and budget.

🚗

Car Loans

New or used, dealer or private sale. Sam finds the right rate and gets you on the road faster — without the dealership finance pressure.

🚐

Ute & Vehicle Finance

Work vehicles, vans, trailers — structured to suit your cash flow whether you're a tradie, fleet buyer or small business.

🏍️

Motorbike & Leisure

Bikes, caravans, boats. Finance the lifestyle purchase you've been putting off, with repayments that make sense.

🔧

Equipment Finance

Machinery, tools, fit-outs, technology. Keep your cash flow free and let the asset work for you from day one.

💳

Personal Loans

Renovations, medical, debt consolidation or a big purchase. A competitive personal loan structured around what you actually need it for.

🏗️

Commercial Vehicles

Trucks, excavators, trailers — Sam works with lenders who specialise in commercial and heavy vehicle finance.