wealth builders finance logo
Free Property Report

Home Loans Made Simple, with experts who care.

Finding the right mortgage is easier when you have a trusted guide by your side.
How can we help you today?
I want to refinance
I want to buy a property
Explore Loan Options
Discover how you can access equity in your home to create wealth.
Get started now

From first homes to investments, we’re here to help.

We search thousands of loan options to save you time and help you make confident, informed choices so you get the right loan for your needs.

First Home Buyers

  • Access 5% deposits for first home buyers
  • Low interest rates sourced for you
  • Receive expert home loan guidance
Find out more

Equity Release/Cash Out

  • Unlock funds tied up in your home
  • Use equity to renovate, invest or consolidate
  • Keep your current loan, just increase the limit
Find out more

Property Investment

  • Build long-term wealth through real estate
  • Use rental income to help cover repayments
  • Leverage equity to grow your property portfolio
Find out more

Why Choose Wealth Builders Finance?

We don’t just arrange loans, we structure finance to support your life, your ambitions, and your definition of wealth.

Wealth isn’t just money or property. It’s time, freedom, security, opportunity, and peace of mind. A home that gives your family stability. Savings that reduce stress. Equity that grows your future. Anything that gives you options and the freedom to make choices that matter.

At Wealth Builders Finance:
  • Every strategy is carefully considered and tailored to how you earn and where you’re going.
  • We focus on long-term wealth creation, not just today’s purchase.
  • You deal directly with an experienced broker who stays across every detail, start to finish.
Whether you’re driving the engine of the economy or supporting it on the frontline, your finance should give you clarity, confidence, and freedom to choose what comes next.
a man and a woman sitting at a white table

Who We Work With

We work with professionals in industries that keep Australia moving. Many have strong careers and reliable incomes, but their pay structures are often more complex than a standard salary. Our role is to understand how those incomes work and structure lending that supports long-term financial goals.

  • Industries we specialise in: Healthcare, law, education, technology, accounting, mining and essential services.
  • We understand complex income with experience with overtime, allowances, bonuses, contract and performance-based, PSI & self-employed income.
  • Built for long-term wealth. Finance is structured to support property ownership and long-term wealth building.
Across all these groups, the common thread is responsibility, stability, and long-term ambition. Strong careers. Solid incomes. Big goals. Yet often, finance structures don’t match their potential.
 
We help bring clarity to that complexity and structure finance that works as hard as you do.

Answers to your top questions

Before anyone refinances, it’s worth asking a few simple questions. If you can’t confidently answer these, it may be time for a loan review.
  1. Do you know your exact interest rate right now?
  2. Have you negotiated with your lender in the last 12 months?
  3. Do you know your current property value?
  4. Is your loan structured correctly for tax efficiency and cash flow?
  5. Are you paying annual package fees you don’t actually use?
  6. If interest rates dropped tomorrow, would your lender automatically pass it on?
If the answer to a few of these is no or you’re not sure, a quick review can often uncover opportunities to improve the structure of your loan.

Borrowing capacity depends on income, existing debts, expenses and lender policy. Two lenders can assess the same situation and produce different results, which is why comparison and structure matter. Once we have your numbers, we plug them into our calculator and instantly estimate your borrowing power across a number of lenders.

Yes. Knowing your borrowing capacity and loan structure early helps you shop with confidence and avoid surprises during the purchase process.

Banks are designed to serve their shareholders and can only offer their own products. That means you get one set of options, regardless of whether it’s the best fit for your situation.

A broker acts like your personal finance partner. We compare multiple lenders, structure applications based on your circumstances and work to find solutions that suit you, not just a single bank’s product range. Think of it as having a personal banker who actually looks after your interests, helping you navigate lending options and secure outcomes that align with your goals.

This is especially valuable when income is complex or when different lenders assess situations in different ways. The goal is to find the right fit, not just the first available option.

In most cases, no. Mortgage brokers are generally paid by the lender once a loan settles. Any costs, if applicable, are disclosed upfront.

Timelines vary depending on the type of loan, lender requirements and how complex the application is. Once we have your information and documents, we work to progress the application efficiently and keep you updated at every stage. Some approvals can happen quickly, while more complex cases may take a little longer to ensure the structure and lender selection are right for your situation.

Lender processing times from submission to approval can vary between lenders, ranging from as little as 4 hours to around 2 weeks, depending on the institution and application.

Yes, many lenders will consider additional income. Different lenders assess it in different ways, so matching your income structure with the right lender can make a significant difference.

Absolutely. Contract and variable income is common in professional industries. The outcome usually depends on lender selection and how the application is structured.

We work with professionals in healthcare, law, education, technology, accounting, mining and essential services. Many have strong careers and complex income structures, and we structure lending around how you are actually paid.
Sam Potter, Mortgage Broker

About Wealth Builders Finance

Wealth Builders Finance is dedicated to helping clients unlock equity, build property portfolios, and create long-term wealth.
Founded by CEO and Finance Broker Sam Potter, Wealth Builders is built on a deep understanding of Australia’s financial landscape and a genuine passion for education and empowerment. Sam leads the business with a clear mission—to help Australians create generational wealth through strategic property finance.

From refinancing and equity release to investment, commercial, and business loans, we provide smart, personalised lending solutions designed to support your financial growth at every stage.
Talk to a Broker

Master your financial journey
using our home loan calculators

How much equity can you unlock?

Calculate the quity in your home, unlock it to access extra funds.
black and white kitchen island

How much can you borrow?

Easily find out your borrowing power so you can start your property journey.
A cell phone sitting on top of a keyboard

Renting but looking to buy?

Find out if what you are paying in rent could be enough to get your own loan.
Close-up photo of red and green Monopoly game houses on a reflective surface.

Will extra loan repayments pay off?

Take a look at the impact of making extra loan repayments.
A person taking a picture of a kitchen

Latest news and insights

Wealthbuilders Finance is here to help

Understanding your situation

We thoroughly assess your financial situation, including your income, expenses, credit history, and long-term goals.

Finding the right deal

We compare interest rates, loan terms, fees, and other factors to find a deal that aligns with your needs.

Closing the deal

We finalise all the paperwork and coordinate with other parties, such as lenders and conveyancers, to ensure your loan is approved.

Broker for life

Your mortgage journey doesn’t end at settlement. As it evolves, our experts remain by your side.
Talk to a Broker

With 70 lenders at your fingertips, we open the door to more choices

Call us, were here to help

Our expert insights will help guide you through the process and get you to your goal sooner.
Call now

Book an appointment

Experience the difference, we take out the leg work and we will fit into your schedule.
Book a chat

Start your application

We get it, you’re in the moment. Apply online and we will send you the top 3 rates for your loan.
Get started
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
Sam Potter is a Credit Representative (570029) of BLSSA Pty Ltd ACN
117 651 760 Australian Credit Licence 391237. Wealthbuilders Finance Pty Ltd (ABN: 46 686 102 394) is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192

Home loans

Other Loans

Contact

03 9829 9188

Book your Broker

Don't Be Shy, Say Hello.

  • You'll be contacted within 24 hours
  • You'll receive our Credit Guide & Welcome Pack
  • You choose a time and your dedicated broker will be ready for a quick chat
Book a chat
Contact Us - Popup
First
Last