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State Financial Services Australia

Updated 2026-08-01 · 5,295 reviewed · 601 listed · Scored from 89 Google reviews · How we rank ›

5.0(89) 90 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansInvestment Property LoansCommercial & Business FinanceMortgage Broker
State Financial Services Australia
Services
First Home Buyer Loans, Investment Property Loans, Commercial & Business Finance
Reviews
89

What recent reviews say

Borrowers consistently report swift, well-explained loan approvals backed by staff who explain options clearly and answer questions readily. From first-time buyers through refinances and investment deals, the team handles tight deadlines and complex situations with professionalism, keeping clients informed and focused on the best outcome.

First-time buyers and refinancers particularly praise quick results and personalised guidance tailored to their circumstances. The business works past settlement and remains available for future lending, with repeat clients returning for multiple mortgages over years.

Praised for
  • professional and knowledgeable staff
  • excellent communication throughout process
  • stress-free and smooth loan experience
  • goes above and beyond to help
  • responsive and available when needed
Watch-outs
  • one negative review with minimal detail
responsive-communicationexplained-clearlywent-above-and-beyondprofessional-and-honestsmooth-settlementgreat-for-first-home-buyersknowledgeablepersonalised-serviceloan-approved-fast
Best for: First-time buyers and refinancers who want clear explanations and quick outcomes.
Think twice if: No credible concerns emerge from the review base; one hostile one-star review provides no detail.

Strengths

  • clear, step-by-step guidance through loan process
  • expert market advice on offers and rates
  • handles difficult applications other brokers decline
  • available beyond settlement for future needs

What reviews say by service

First Home Buyer Loans
Loan process described as smooth and stress-free; clear guidance from pre-approval through settlement.
refinancing
Quick, easy refinances with clear explanations and excellent rate outcomes consistently praised.
Investment Property Loans
Professional service securing investment property loans where big banks declined; approval obtained.
Mortgage Broker
Broker handles complex applications and tight deadlines; clients return for repeat mortgages and refinances over years.

How it compares

  • Rated 5 against a 4.93 average across the 371 first home buyer loans businesses listed here.
  • Has more Google reviews than 63% of the businesses in this directory.

How we scored this

How We Score
Star rating 99
Review volume 85
Review recency 100
Review sentiment 75
Profile completeness 100
Verification 30

Rating breakdown

5
88
4
0
3
0
2
0
1
1

Common questions

How long does the loan approval process take?
Several reviewers describe receiving quick results and consistent follow-ups at every stage, with one noting the team works efficiently even under tight deadlines.
Will the broker help me after settlement?
Yes. Reviewers report the team remains in contact through settlement day and stays available for future lending needs; several clients have returned for repeat mortgages.
Can they help if banks have declined my application?
Yes. One reviewer in a difficult position credits the broker with securing approval after big banks declined and 'disappointed' them.
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Last updated 2026-08-01