Australian Mortgage Specialists

Home lending and finance, explained clearly. Structured thoughtfully.

Whether you're purchasing, building your new home or reviewing your current loan, we take the time to explain your options clearly, structure your lending thoughtfully, and ensure you feel confident about the decisions you're making.

0 Client lending journeys achieved
0 Broad lender options for tailored solutions
0 Google Reviews ★
Modern Australian home with pool and lush garden at golden hour

Our Services

Specialist lending, structured around your goals.

First Home Buyer

Navigate grants, deposits, and your first mortgage with confidence. We make the complex simple.

Next Home Buyer

Upgrade, downsize, or relocate with the right loan structure tailored to your next chapter.

Investment Loans

Build your portfolio with strategic lending tailored to investors and long-term growth.

Refinancing

Switch to a sharper rate, lower repayments, or unlock equity from your existing property.

Construction

Fund your build from land purchase through to completion with structured progress draws.

SMSF

Self-managed super fund lending structured for compliance, growth, and long-term wealth.

Meet the Team

Experienced professionals working alongside you.

Serena Higgs, Founder and Mortgage Broker at OptiFinance

Serena Higgs

Founder & Mortgage Broker · CPA

"Whether you're a first home buyer, a seasoned investor, or looking to save on your repayments, I'm passionate about finding the right solution for you. We'll map out your goals, stay on the same page through every step, and make sure you're always getting the right deal."

10+ years in accounting & finance
Property investors since 2007
Dedicated broker from start to finish
Azil Espinosa, Client Support

Azil Espinosa

Client Support

Azil ensures your documentation is prepared and your lending journey stays on track from application through to settlement.

Joseph Wijayamuni, Client Support

Joseph Wijayamuni

Client Support

Joseph coordinates lender communications and milestone tracking, keeping every stage of your loan process transparent.

Tools & Reports

Model repayments in minutes, then request a tailored lending strategy.

Toggle the loan amount, interest rate, and repayment frequency to see how your cashflow shifts — then reach out for a personalised recommendation.

💼 Borrowing Capacity
📉 Extra Repayments
🏠 Property Fees

A selection of lenders we regularly work with:

ANZ Commonwealth Bank NAB Macquarie Bankwest ING

Why OptiFinance

We combine tailored strategy with proactive care.

CPA-Level Strategy

Work directly with Serena Higgs, a qualified CPA and experienced property investor who translates numbers into clear lending strategies.

Wide Lender Panel

Access a broad panel of bank and non-bank lenders so your loan is structured around policy fit, rate, and long-term flexibility.

Personal Support

From discovery to annual reviews, enjoy proactive communication, paperwork handled for you, and real conversations when it matters.

Client Outcomes

What homeowners and investors say about partnering with OptiFinance.

★★★★★
"Throughout the year, I had spoken to many finance brokers who all told me the same thing — that I didn’t have enough borrowing capacity and would need to wait. Everything changed when I reached out to Opti Finance. In just around two months, my finance was approved!"
Edward Lopez Property Investor
★★★★★
"She is very efficient, reliable, and proactive. I have had other brokers ask for last-minute documents right before settlement — Serena was always ahead of the game."
Sonia Kalathil Long-term Client
★★★★★
"When I decided to embark on building my own home and had been turned down by other mortgage brokers who said I would struggle to find a lender, I was introduced to Serena. She explained the process in detail, found a lender and supported me through the build."
Sara Norris Construction Loan
★★★★★
"Amazing service by Serena & her team. She was always available to answer all our questions and made the whole process so smooth and clear."
Jeens Travelbug First-Home Buyer
★★★★★
"Over the past five years, Serena has consistently demonstrated a high level of professionalism. She approaches each situation with a blend of expertise and empathy, ensuring that we always feel informed and confident in our choices."
Stefan Kaurin Refinancing Client
★★★★★
"Serena made everything smooth and the process was straight foward, making the whole process stress free. Serena was with us every step of the way and kept us informed at all times."
Erica & Katie New Home Buyers
★★★★★
"Throughout the year, I had spoken to many finance brokers who all told me the same thing — that I didn’t have enough borrowing capacity and would need to wait. Everything changed when I reached out to Opti Finance. In just around two months, my finance was approved!"
Edward Lopez Property Investor
★★★★★
"She is very efficient, reliable, and proactive. I have had other brokers ask for last-minute documents right before settlement — Serena was always ahead of the game."
Sonia Kalathil Long-term Client
★★★★★
"When I decided to embark on building my own home and had been turned down by other mortgage brokers who said I would struggle to find a lender, I was introduced to Serena. She explained the process in detail, found a lender and supported me through the build."
Sara Norris Construction Loan
★★★★★
"Amazing service by Serena & her team. She was always available to answer all our questions and made the whole process so smooth and clear."
Jeens Travelbug First-Home Buyer
★★★★★
"Over the past five years, Serena has consistently demonstrated a high level of professionalism. She approaches each situation with a blend of expertise and empathy, ensuring that we always feel informed and confident in our choices."
Stefan Kaurin Refinancing Client
★★★★★
"Serena made everything smooth and the process was straight foward, making the whole process stress free. Serena was with us every step of the way and kept us informed at all times."
Erica & Katie New Home Buyers
See all reviews on Google →

Insights & Resources

Timely guidance for every stage of your property journey.

Grants, lending policy changes, and step-by-step guides crafted for Australian buyers and investors.

Get personalised advice

Blog · 1 May 2019

First home buyer benefits when you build or buy brand-new in WA

Compare state incentives, grants, and concessions available to Western Australian first-home buyers.

Read article

Blog · 1 Apr 2019

First home buyer benefits in WA

Understand eligibility, thresholds, and rebate opportunities to maximise your first-home buyer outcome.

Read article

Blog · 1 Mar 2019

How much will I be able to borrow?

Step through the key factors that influence borrowing power before you submit an application.

Read article

FAQs

Answers to common lending questions.

Ready to chat?

Let's map the lending plan that accelerates your goals.

Book a discovery call or send through the details and Serena will respond within one business day. Evening and weekend appointments available on request.

🔒 Data integrity and your privacy are important to us. We use encrypted platforms and two-factor authentication methods to keep your information safe.

Send an enquiry and Serena will respond within one business day.

Prefer to talk now? Call 0412 812 917 or email us.