NEWCASTLE | LAKE MACQUARIE | CANBERRA
The steady hand behind your next move.
Ancora Finance is a boutique mortgage broking firm with access to 50+ bank and non-bank lenders. Plain-English guidance for first homes, investments, refinancing and the complex scenarios others shy away from.
- Access to 50+ lenders — your bank is just one option
- Complex situations welcome: self-employed, SMSF, commercial
- Transparent fees, no surprises — commissions disclosed in writing
Lending for every stage — and the tricky bits in between
Seven specialties, one approach: understand your position, shop the whole panel, and explain everything without the jargon.
First Home Buyers
From deposit to keys — government schemes, lenders mortgage insurance, and a plan you actually understand.
First home buying →Property Investors
Structure, equity release and serviceability strategy to keep your portfolio growing — not stalling at loan two.
Investor lending →Refinancing
If your rate has drifted or your fixed term is ending, a review often pays for itself many times over.
Refinancing →Self-Employed & Business Owners
Lenders read business income very differently. We match your financials to the policy that reads them best.
Self-employed lending →Families Upgrading
Buy-then-sell or sell-then-buy? Bridging, guarantees and timing — managed so the move doesn't manage you.
Upgrading →SMSF Lending
Limited recourse borrowing for super funds, arranged with the small group of lenders who do it well.
SMSF lending →Commercial Property Finance
Owner-occupied premises or commercial investment — terms and structures negotiated lender-direct.
Commercial finance →Not sure where you fit?
Most clients arrive with a question, not a category. Start with a free strategy call.
Book a callThree steps, no jargon
Free strategy call
We talk through your goals, income and timeline. You leave with a clear picture of what's possible — no obligation, no pressure.
We shop the panel
Ross compares policies, rates and structures across 50+ lenders, then recommends in writing — with every commission disclosed.
Approval to settlement & beyond
We manage the application, the lender and the deadlines through to settlement, then review your loan as rates and life change.
50+ lenders. One application.
Major banks, regionals and specialist non-bank lenders — each with different policies and appetites. That breadth is what turns a "no" from your bank into a "yes" somewhere better.
A sample of the panel — lender availability subject to current accreditations.
Ross Sergi
Senior Finance Specialist & Director — 10+ years arranging lending for Newcastle and Lake Macquarie locals.
Ross built Ancora Finance on a simple idea: borrowers deserve a broker who holds steady when things get complicated. Self-employed income, fund structures, tight timelines — the scenarios that make banks nervous are the ones he does best.
"Ancora" is Italian for anchor — firm & secure. That's the job.
5.0 stars across 87 Google reviews
Newcastle, Lake Macquarie and Canberra borrowers — first homes, refinances, investments and businesses. Read them in their own words.
Frequently asked
What does a mortgage broker cost?
Why use a broker instead of going straight to my bank?
I'm self-employed — can I still get a home loan?
How much deposit do I need to buy in Newcastle or Lake Macquarie?
What is a free strategy call?
Can my SMSF borrow to buy property?
Ready when you are.
Thirty minutes with Ross will tell you more about your options than a weekend of comparison sites. Free, no obligation.