Home Loans

AAP Finance Brokers
Residential Mortgages

Why Use us?

We offer a home loan brokerage service for Raine & Horne clients through a long-standing partnership with award winning and local mortgage broker firm AAP Finance Brokers Pty Ltd.

AAP Finance Brokers has over 50 years of local knowledge and a combined 45 years of industry experience across Australia, Asia and the Pacific.

There are literally hundreds of mortgages available and new products emerging all the time. We can recommend a loan to suit your needs, help you complete a loan application, guide you in obtaining the right supporting documents and submit it to your chosen lender.

Call us on 1300 141 453

or click here to email us...

Types of Mortgages

Buying your own home

Buying your own home can be a daunting experience. Before purchasing we offer a free pre-approval service giving you the comfort to purchase immediately when you find your dream home.

Investing in Property

Investing in property is one of the many ways to build your wealth and obtain ongoing Government tax incentives. We work with your accountant and financial planner to ensure your investment loan is structured properly before settlement.


Now that you have a mortgage, make sure you are getting a great interest rate by regularly reviewing your loan. We can provide you with a free health check for all your mortgages, saving you time, money and stress.


Land and Construction finance is particularly proving popular with First Home buyers who are seeking to take advantage of First home Buyer Grants offered by various State Government programs. Our job is to lock in both the land and building funding at the same time without having to go through two separate loan applications, and giving you the comfort that your property will be completed on time and within budget.

Our Experience

Tony Haworth

A passion for helping businesses and self employed individuals achieve their financial goals has led to the establishment of the AAP Finance Brokers Group. I bring an extensive commercial, residential and risk banking background, that commenced in 1985, working across the Asia/Europe Region based in Hong Kong, the South Pacific Region based in the Cook Islands, and locally in NSW and Queensland. During this time, I have undertaken several senior management regional roles for ANZ Bank that allowed me to gain valuable detailed insights across the Australia and Asia Pacific Region.

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Chris Hientz

Christopher Hientz calls the Central Coast home. He has a passion for helping businesses and individuals achieve their financial goals and get the best deal at the same time. Since 2003, has worked extensively in many facets of banking such as business banking, asset finance and in credit which has allowed him to gain a solid understanding of most scenarios and the best ways to structure your finance.

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Mortgages made easier

We offer an easy pathway in obtaining finance for your next property purchase:

  1. We can organize an appointment at your home or office
  2. We work together to obtain the right loan product
  3. We can give you a checklist of information we need for a loan application
  4. We get you to sign a prepared loan application with the preferred lender
  1. Once signed the loan application is submitted directly to the lender via our on-line loan system
  2. We keep you informed regularly as your loan is being assessed
  3. Once approved we organize formal loan and mortgage documents to sign
  4. We help you and your conveyancer through to settlement

Our Panel of Lenders

Important Facts

How we get paid

You don't have to pay us for the service we provide. Our income is generated from upfront commission and monthly trail fee's that the lender pays us directly. For more information please visit aapfb.com/fees-commissions.

We pay Raine & Horne a upfront referral fee upon settlement and this will be disclosed prior to a loan application being submitted.

Our Credentials

We have an ASIC Australian Credit Licence 502334 and our brokers are Credit Representatives of this licence. We can only provide you with advice on loan products, and you will need to consult your accountant for tax related questions, and your financial planning for investment advice. We are a member of the industry association FBAA, and a member of the Credit Industry Ombudsmen. For more information please visit: aapfb.com/

Privacy & Confidentiality

The information that you provide us is strictly confidential and can only be provided to the lender once you have signed a Privacy disclosure statement, which we will supply. This information will not be given to Raine & Horne, or any other partner that we deal with unless authorised in writing by the client. Regular publications on updates and product offerings that we issue, can be unsubscribed at any time. For more information please visit: aapfb.com/privacy-policy.

Contact us

Call: 1300 141 453 (within Australia) Or: +61 1300 141 453 (outside Australia)