First Home Buyer
Navigate grants, deposits, and your first mortgage with confidence. We make the complex simple.
Australian Mortgage Specialists
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.
Our Services
Navigate grants, deposits, and your first mortgage with confidence. We make the complex simple.
Upgrade, downsize, or relocate with the right loan structure tailored to your next chapter.
Build your portfolio with strategic lending tailored to investors and long-term growth.
Switch to a sharper rate, lower repayments, or unlock equity from your existing property.
Fund your build from land purchase through to completion with structured progress draws.
Self-managed super fund lending structured for compliance, growth, and long-term wealth.
Meet the Team
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."
Client Support
Azil ensures your documentation is prepared and your lending journey stays on track from application through to settlement.
Client Support
Joseph coordinates lender communications and milestone tracking, keeping every stage of your loan process transparent.
Your Lending Journey
From saving your deposit to collecting the keys — step-by-step guidance for your first purchase.
View journeyUpgrading, downsizing, or relocating — how to structure the transition smoothly.
View journeyLand, plans, builder, and progress draws — your build journey explained.
View journeyBetter rate, lower repayments, or equity release — the refinance process simplified.
View journeyTools & Reports
Toggle the loan amount, interest rate, and repayment frequency to see how your cashflow shifts — then reach out for a personalised recommendation.
A selection of lenders we regularly work with:
Why OptiFinance
Work directly with Serena Higgs, a qualified CPA and experienced property investor who translates numbers into clear lending strategies.
Access a broad panel of bank and non-bank lenders so your loan is structured around policy fit, rate, and long-term flexibility.
From discovery to annual reviews, enjoy proactive communication, paperwork handled for you, and real conversations when it matters.
Client Outcomes
"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!"
"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."
"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."
"Amazing service by Serena & her team. She was always available to answer all our questions and made the whole process so smooth and clear."
"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."
"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."
"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!"
"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."
"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."
"Amazing service by Serena & her team. She was always available to answer all our questions and made the whole process so smooth and clear."
"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."
"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."
Insights & Resources
Grants, lending policy changes, and step-by-step guides crafted for Australian buyers and investors.
Get personalised adviceBlog · 1 May 2019
Compare state incentives, grants, and concessions available to Western Australian first-home buyers.
Read articleBlog · 1 Apr 2019
Understand eligibility, thresholds, and rebate opportunities to maximise your first-home buyer outcome.
Read articleBlog · 1 Mar 2019
Step through the key factors that influence borrowing power before you submit an application.
Read articleFAQs
Ready to chat?
Book a discovery call or send through the details and Serena will respond within one business day. Evening and weekend appointments available on request.
Prefer to talk now? Call 0412 812 917 or email us.