Sydney mortgage broker, working Australia wide
Anita Callaghan helps families, first home buyers and business owners find a home loan that fits their life, across a panel of 30+ lenders.
She began her career inside the banks, so she knows how a lender reads a file.
Send a few details and Anita will come back to you herself.
Anita Callaghan · Director and Principal Broker
Home loans for the moments that matter
Anita works across residential and commercial lending, and a few areas are her speciality.
Refinance your home loan
Your current loan compared against today's market, so you can see whether moving is worth it for you.
Read moreRefinance to pay out ATO debt
Using the equity in your home to clear a tax debt, with lenders whose policy allows it.
Read moreSelf-employed, low doc and alt doc loans
Home loans for business owners and sole traders whose income comes in its own shape.
Read moreFirst home buyers
Your first home planned from the deposit up, including the 5% Deposit Scheme.
Read moreDebt consolidation refinance
Credit cards, car loans and personal loans brought into your home loan, with the full cost laid out.
Read moreCash out to renovate or upgrade
The equity you've built, put to work on a renovation or your next home.
Read moreInvestment property loans
The next property structured with the one after it in mind.
Read moreLMI waivers for professionals
Lenders that waive mortgage insurance for eligible medical, legal and other professionals.
Read moreCommercial lending
Finance for business premises and commercial property, alongside your home lending.
Ask AnitaA broker who started on the lender's side
Anita has worked in finance since 2017, starting at Commonwealth Bank.
She moved to broker support at Bank of Queensland, then worked as a credit analyst at Loan Market.
That time inside the lenders is why she can tell you early how your application is likely to be read, and which lenders may suit it.
She's been broking in her own right since 2022, and founded Anita Finance in 2024 to build long-term relationships with her clients.
She still looks after every file herself.
My focus is on clear communication, responsive service, and strong client support.Anita Callaghan
What the law asks of every mortgage broker
Since 1 January 2021, mortgage brokers have been required to act in their clients' best interests when they help arrange a loan. (ASIC RG 273)
Brokers are usually paid a commission by the lender, and they must tell you about the commissions they may receive. (Moneysmart)
Anita does not charge a broker fee.
She is generally paid a commission by the lender, and lender fees and charges may still apply to your loan.
She explains how she's paid at the start, before you decide to go ahead.
4 clear steps from first chat to settlement
A first conversation
Usually about 20 minutes on what you're working towards, what you earn and what you owe.
Your shortlist
Anita helps identify lenders whose policy may suit your circumstances, and shows you her reasoning.
Your application
Your documents are collected once, and your application is prepared the way that lender prefers it.
Settlement and beyond
Anita stays with you to settlement, then keeps your loan in step with the market in the years after.
Her clients, in their own words
5-star rated on Google.
Taken word for word from reviews her clients have published, with … marking where a review is shortened.
Anita was the most professional, kind, trustworthy person that put all my needs at the forefront of her work. Anita would respond whenever I would ring or text her answering every question I had at any time. … Definitely coming back to refinance my investment properties with Anita. Thank you so much Anita for making our perfect home purchase possible !! You are amazing Anita!!
I had an amazing experience with Anita Callaghan who not only secured funding for my first property purchase, but also helped my parents refinance and set themselves up for retirement. She is extremely knowledgeable in dealing with complex scenarios and can explain banking nuances in very easy to understand ways. … I couldn't recommend more highly..
Anita was brilliant in helping us purchase a property in Australia whilst living and working in NZ. It wasn't the most straight foreword process due to being overseas, however Anita's knowledge and guidance made this possible. Very happy with the service, and would strongly recommend.
… We’ve told all our friends and family about her and will be using her for all our mortgages in the future! … She listened to our needs and was always available.
Our mortgage broker Anita has been absolutely amazing from the very start until settlement. Always keeping us in the loop with what stage the process is at, nothing has been a bother even with the multiple questions and clarifications needed in what can be a stressful time. … We will use Anita’s assistance in the future and we could not recommend her highly enough!
Sydney based, Australia wide
Anita is based in Sydney and works with clients across the city, from the Hawkesbury to the harbour.
Every step can happen by phone, email and video, so she also helps clients anywhere in Australia.
That includes Australians buying back home while they live and work overseas.
Common questions
What does a mortgage broker do?
A mortgage broker compares home loans across a panel of lenders and helps you apply for the one that suits you.
Anita has access to a wide range of loans from Australia's leading lenders, with 30+ lenders on her panel.
She handles the application with the lender for you, through to settlement.
How much does it cost to use a mortgage broker?
Anita does not charge a broker fee.
She is generally paid a commission by the lender, and lender fees and charges may still apply to your loan.
Brokers must tell you about the commissions they may receive, and Anita goes through this with you at the start.
Does Anita work with clients outside Sydney?
Yes, Anita works with clients anywhere in Australia.
She's based in Sydney, and every step can happen by phone, email and video, including for Australians buying from overseas.
Can Anita help if I'm self-employed?
Yes, and it's one of the areas she enjoys most.
Lenders differ in the documents they'll accept from business owners, so Anita helps identify lenders whose policy may suit your circumstances.
What should I have ready for the first conversation?
Just a rough idea of your income, your debts and what you're hoping to do.
After that first chat, Anita tells you which documents she needs.
Let's make a start.
Tell Anita what you're working towards, and she'll come back to you herself with the next step.
The first conversation usually takes about 20 minutes, and it gives you a clearer picture of your options.
Monday to Friday, and after hours when needed.