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Penny Finance

Updated 2026-08-01 · 5,295 reviewed · 601 listed · Scored from 106 Google reviews · How we rank ›

4.9(106) 87 composite score See reviews on Google ✓ Google-verified
Investment Property LoansCommercial & Business FinanceMortgage Broker
Penny Finance
Services
Investment Property Loans, Commercial & Business Finance, Mortgage Broker
Reviews
106

What recent reviews say

Reviewers consistently report fast replies and staff who take time to explain loan options in plain language, making the process feel low-stress. Multiple clients have used the team across several purchases and refinances, praising the strategy behind loan matching and the willingness to chase lenders hard when circumstances shift.

Their strength lies in understanding your personal goals before presenting options rather than rushing to a single outcome. One complaint flagged being passed between staff members after an initial misstatement about approval status, though the broader pattern across 106 reviews shows staff ownership and follow-through.

Praised for
  • tailored advice and strategy
  • responsive and quick communication
  • staff explain things clearly
  • willing to go above and beyond
Watch-outs
  • miscommunication about approval status
  • handed between multiple staff without resolution
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeablepersonalised-serviceprofessional-and-honest
Best for: Investors and business owners needing someone to chase multiple lender options and explain trade-offs.
Think twice if: One review mentioned being given unclear information about approval status and handed between staff without resolution. Check communication clearly at the start of your application.

Strengths

  • responsive communication and quick turnarounds
  • staff explain complex loan structures clearly
  • strategy-focused matching to personal goals
  • willing to pursue hard when circumstances change

What reviews say by service

Investment Property Loans
Clients praise the speed and competitive rates on investment property deals, and the ability to salvage applications when circumstances shift.
Commercial & Business Finance
Limited review evidence; commercial finance mentioned on website but no review text explicitly addresses commercial loans.
Mortgage Broker
Consistently praised for tailored advice, clear explanation of options, and responsiveness across multiple transactions and refinances.

How it compares

  • Rated 4.9 against a 4.96 average across the 321 investment property loans businesses listed here.
  • Has more Google reviews than 69% of the businesses in this directory.

How we scored this

How We Score
Star rating 94
Review volume 88
Review recency 100
Review sentiment 68
Profile completeness 100
Verification 30

Rating breakdown

5
102
4
1
3
0
2
0
1
3

Common questions

Can Penny Finance help if another broker has already rejected me or miscalculated?
Yes. A recent client was rejected by a previous broker for serviceability miscalculation; the team at Penny Finance secured the loan at the last moment so they didn't lose their property.
Do they only work with Sydney clients?
No. Reviews and their website indicate they service Australia-wide, which was specifically praised by one client who valued not being locked into a local broker.
How quickly can they turn around a refinance?
One recent refinance was completed quickly enough to be described as 'made it easy and simple', and multiple clients praise their responsive communication and fast replies to queries.

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Last updated 2026-08-01