Car, personal and business finance
Beyond home loans, Sam arranges finance for the other big things in life and work.
- Car and vehicle loans
- Personal loans
- Business and commercial finance
- Equipment and asset finance
Services
How I can help.
Home loans for every stage, explained in plain English.
Leave your name and number and Sam will call you back. It takes about 30 seconds.
First home buyers
Buying your first place is a big step. I help you understand what you can borrow, what you need saved, and how the process works from pre-approval to settlement.
- Borrowing power and deposit planning
- First home buyer schemes and grants you may be eligible for
- Pre-approval so you can shop with confidence
Leave your name and number and Sam will call you back. It takes about 30 seconds.
Upgrading or downsizing
Moving home means juggling a sale and a purchase. We plan the timing and the loan structure together so the move feels manageable.
- Buying before you sell, including bridging finance
- Using the equity in your current home
- Loan structure for your next stage of life
Leave your name and number and Sam will call you back. It takes about 30 seconds.
Refinancing
Your loan should keep up with your life. I review what you have now against options from a wide panel of lenders and handle the switch if it makes sense.
- Loan health checks and rate reviews
- Consolidating debts where appropriate
- Accessing equity for renovations or other goals
Leave your name and number and Sam will call you back. It takes about 30 seconds.
Property investors
Whether it is your first investment or your fifth, the way each loan is set up affects what you can do next.
- Investment loan structuring
- Using equity to fund a deposit
- Planning for your next purchase
Leave your name and number and Sam will call you back. It takes about 30 seconds.
More than home loans
We are more than just a broker.
Finance, insurance and wealth, looked after by Sam, the North Head Finance team and our partner Apexx Wealth, all from the same office in Manly.
Insurance
Protecting what you have built, from your home to your income.
- Home and contents
- Health insurance
- Income protection and personal protection
- Business insurance
Wealth and super
Financial advice to help build and protect your wealth, provided by Apexx Wealth from the same Manly office.
- Financial planning
- Superannuation and SMSF
- Investments
- Cash flow, debt reduction and retirement planning
Reviews
5.022 Google reviews
What clients say.
Cameron C.Google review
★★★★★
The absolute A team.. For a stressful process, the team kept there cool the entire time and supported us 24/7 to get the loan approved. The team communicated with us every step, and went above and beyond to help us with a complex business loan.
Fay A.Google review
★★★★★
Sam and his team have been wonderful to work with through out my property purchases the past 12+ years. They are professional, thorough and easily contactable which is so important when you are signing a contract. I have recommended Sam to friends looking to buy several times and I wouldn't hesitate to do so again.
Barrenjoey Swim SchoolGoogle review
★★★★★
Sam and his team were outstanding. They helped us over several years in our endeavour to break into the housing market. Having missed out twice, Sam never doubted that we would make it, and continued to work hard for us. They found the right lender at the right time, and we are now the proud owners of our first house in the Northern Beaches.
Jackson B.Google review
★★★★★
Right from the first meeting with Sam we felt engaged, looked after and informed throughout the application and approval process. I would highly recommend Sam and team for financial services solutions
Hamish N.Google review
★★★★★
Such a pleasure to deal with. The whole team were fantastic and showed great patience with us as it was our first time buying an investment property. Highly recommended and will definitely use the company again.
Jackson S.Google review
★★★★★
Dream team! I received a message out of the blue that my home loan rate had been lowered. Proactively looking out for the best interests of their clients. Thanks Sam, Marko and Claire.
Doris S.Google review
★★★★★
With their help and expert advice, I have successfully purchased and financed two properties without any hassle. … Thanks to their patience, clarity, and expertise, every stage of the purchase and financing was transparent and successful.
Sera T.Google review
★★★★★
Sam and the team are professional, prompt and make everything smooth from my end. I found them through a recommendation, and will be recommending them to everyone I know!
Next step
Not sure where you fit?
Whether you're just starting to think about it or ready to move, a quick conversation is the easiest first step.
Leave your name and number and Sam will call you back. It takes about 30 seconds.
- Mobile0414 976 865
- Office line02 9984 1911
- EmailSam.Ayliffe@astutefinancial.com.au
- OfficesSuite 12, 37–38 East Esplanade, Manly NSW 2095
Suite 801, Level 8, 50 Clarence Street, Sydney NSW 2000
Hours Mon–Fri 9am–5pm