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Loan Settled

Loan settled till now

$70M+

Happy Clients

500+

Female mortgage broker at Freedom Capital Solutions office reviewing loan documents
Mortgage broker in formal attire at Freedom Capital Solutions office handing loan document
Two mortgage brokers in office reviewing home loan savings with piggy bank and calculator
Lender Partners

70+

Who are we

Founded by Finance Professionals Who Lead the Purpose.

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Careers
A team of experienced, client-focused brokers dedicated to simplifying your property finance journey
Our purpose is clear, empowering Australians to secure, protect and grow the wealth they have worked hard to build.
We guide you toward your property vision while building lasting confidence throughout every step of the process.
Services

Covering the Full Spectrum of Australian Property Financial

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Home Loans

Development Funding

Refinancing

Construction Loans
Our Values

We Listen, Think Independently, Advise & Take Action

Client-First

A steadfast commitment to acting in your best interest for your long-term financial wellbeing.

Integrated

Comprehensive loan solutions, personalised strategies and access to a wide network of specialist lenders.

Highly Personalized

A customised approach driven by proactive advice and strategic thinking around your circumstances.

Experienced

A dedicated team of accredited brokers supported by deep relationships with Australia’s leading lenders.

Why us?

You’ll Know What

You’re Getting Builds Wealth Steps to Take Next
Expert mortgage broking that puts you first.
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Our team

The Right Team
behind your success

Meet the Team
Richie Luthria
Business Relationship Director
For Richie, great business starts with great relationships. As Business Relationship Director at Freedom Capital Solutions, he brings together experience across finance, property, and relationship management with a genuine focus on understanding what clients are looking to achieve. He leads the development of key client and strategic partnerships, working closely with business owners, property professionals, developers and investors to understand their objectives and connect them with the right expertise within FCS. For clients, this means having someone who understands the bigger picture, brings the right people together and keeps communication clear and responsive throughout the journey. With a strong focus on long-term relationships, Richie is passionate about building partnerships based on trust, genuine understanding and consistent support — from the first conversation through to settlement and beyond.
Email address
lending@freedomcap.com.au
Phone no.
0411 100 287
Belinda Thach
Business Finance Director
With over 10 years of experience in the lending industry, Belinda is passionate about building strong, lasting relationships and helping clients achieve their property goals with confidence. Her commitment to personalised service ensures the lending process is as seamless, straightforward, and stress-free as possible. Whether you're a first-home buyer, a business owner looking to expand, an investor seeking new opportunities, or searching for your dream home, Belinda provides expert guidance every step of the way. She specialises in residential, commercial, and development funding, offering tailored finance solutions to support everything from property purchases and business growth to complex development projects. By taking the time to understand your unique circumstances, goals, and long-term vision, Belinda delivers strategic lending advice and customised solutions designed to help you succeed. Let Belinda be your trusted finance partner and development funding expert, helping turn your property ambitions into reality.
Email address
belinda@freedomcap.com.au
Phone no.
0435 780 895
Shivani Mala
Mortgage Broker
Every day at Freedom Capital Solutions, I’m excited to be part of a team that genuinely puts clients first and supports each other’s growth. With my background in banking, lending, and compliance, I’m passionate about delivering a smooth and positive experience for every client while contributing to the high standards and supportive culture that make FCS such a great place to work.
Email address
shivani@freedomcap.com.au
Phone no.
0422 457 736
Kevin
Mortgage Broker
At Freedom Capital Solutions, I enjoy being part of a team that values integrity, teamwork, and putting clients first. I’m driven by the opportunity to make a meaningful impact by helping clients through every step of the process with clear communication and dependable support. Being surrounded by hardworking and supportive colleagues motivates me to continue growing both professionally and personally each day.
Email address
Kevin@freedomcap.com.au
Phone no.
0413 375 895
FBAA accreditation logo featuring a stylized wing icon and ‘FBAA’ text on black
Trusted partner

FBAA Accredited Credit Adviser

Freedom Capital Solutions is a fully accredited mortgage broking firm, committed to acting in your best interest at every stage of your property journey.

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Testimonials

Client Experiences That Speak for Themselves

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“Freedom Capital Solutions made our first home purchase so much less stressful. They found us a rate we never could have found on our own and guided us through every step.”

Freedom Capital Solutions green leaf 'F' logo representing mortgage broking firm
First home Buyer

“We refinanced with Freedom Capital Solutions and saved over $400 per month. The process was simple, fast and the team was incredibly knowledgeable.”

Freedom Capital Solutions green stylized wing logo for Australian mortgage brokers
Refinancer

“We had our investment loan structured perfectly for our SMSF. I would not go anywhere else — this team truly understands finance on a deep level.”

Freedom Capital Solutions mortgage broker logo with green stylized F icon and black text
SMSF
FAQ

Mortgage & Home Loan FAQs

Common questions about home loans, refinancing and investing in Australia.

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A mortgage broker assesses your financial situation, compares loan products across a panel of lenders, and helps you secure the most suitable home loan. Most brokers are paid a commission by the lender upon settlement, meaning there is typically no direct cost to you as the borrower. At Freedom Capital Solutions, we are always transparent about how we are remunerated.

We have access to over 60 banks and non-bank lenders across Australia, including the major banks, regional lenders and specialist providers. This breadth means we can compare a wide range of products to find the right fit for your needs.

Timelines vary depending on the lender and the complexity of your application. Pre-approval can often be achieved within 24–48 hours for straightforward cases. Full approval generally takes between 3 and 10 business days. We maintain strong lender relationships that help facilitate faster outcomes for our clients.

Absolutely. At Freedom Capital Solutions, every client is paired with a dedicated mortgage broker who gets to know your individual goals and circumstances. Your broker will be your single point of contact from initial consultation all the way through to settlement.

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