Home Loans
Refinance
Investment Loans
Construction Loans
Business Loans
Asset Loans
SMSF Loans
Discover how we can help grow your property wealth.
Barco Finance
Northern Beaches & North Shore's Premier Mortgage Broking Service
Finding the right loan is simple when you have a trusted guide with you.
Experts in Home and Business Loans
How can we help you today?
Welcome to Barco Finance
For anyone conceiving the ambition of building wealth through property or business, Barco Finance, a proud division of Barco Consulting Group, offers far more than just a loan. We understand that securing the right finance is merely one step in your journey. From the very moment that desire to acquire property or grow your enterprise sparks, we become your strategic partner, guiding you through every complexity with expert financial solutions, insightful advisory, and comprehensive support designed to transform your vision into a resilient financial future
Why Choose Barco Finance
AS your mortgage broker, we’re here to provide transparent and trustworthy guidance for your home or business loan.
Clear Communication, Every Step Forward
We believe in transparency – Just straight talk about your Mortgage options and regular updates that make sense. You'll always know where you stand and what happens next. No hidden fees, no surprises. Easy to find, easy to understand.
Finding the right Loan for you
Your situation is unique, so your loan should be too. We match you with lenders who understand your circumstances, not just the lowest rate.
We Get Loans Approved
We know what lenders want and how to present your application perfectly. Your approval isn't left to chance – it's strategically planned.
Each step focused on your success, because your financial future deserves expert guidance.
In Person Customer Care Beyond Loan Settlement
Your relationship with us does not end at settlement. Get ongoing support to build your property wealth.
Discover how you can access equity in your home to create wealth.
Book an appointment with a mortgage Broker .
Barco Finance Is Here To Help
Understanding Your Sitiuation
At Barco Finance , we take a holistic approach to your financial future. We don't just assess your current position; we perform a thorough financial health check, meticulously reviewing your income, expenses, credit history, and long-term property goals. This comprehensive analysis helps us understand your unique circumstances.
If you're not yet in the ideal position to purchase property, our support doesn't stop there. We're committed to your success, which is why we offer dedicated property wealth-building training and investor education programs. These resources are designed to equip you with the knowledge and strategies needed to build a successful property portfolio in Australia, even if it's a future aspiration. We guide you through the steps to improve your financial readiness and achieve long-term property investment goals, ensuring you're well-prepared when the time is right.
Finding the right lender for you is our priority
As accredited mortgage brokers partnered with over 50 leading Australian lenders, we specialise in finding the best home loan rates and personalised financing solutions for your unique needs. Our expert team meticulously compares interest rates, flexible loan terms, transparent fees, and other crucial loan factors to secure the right mortgage for first-time homebuyers, property investors, or those looking to refinance. Leverage our extensive lender network and in-depth market knowledge to compare home loans effectively and achieve your property goals. Discover how our client-focused mortgage advice can save you time and money, ensuring you get the most competitive and suitable loan product
Achieving an Approval
At Barco Finance we understand the urgency of securing your property finance. We are incredibly proud of our rapid 12-hour conditional mortgage approval turnaround once all necessary client documentation is provided. This exceptional speed is a cornerstone of our service, aiming to minimize stress and get you closer to your property dreams sooner.
Our ability to achieve such swift home loan approvals goes beyond simply finding the best rates. We provide dedicated client support for document gathering, guiding you through every step to ensure your application is complete and accurate. Furthermore, our deep-rooted relationships with over 50 leading Australian lenders, trusted conveyancers, and experienced property solicitors streamline the entire process. This collaborative network ensures a smooth, efficient journey from initial inquiry to final settlement, making your mortgage application process as seamless as possible
Your Mortgage Journey doesn’t end at
settlement. As it evolves, our experts remain with you.
Broker For Life
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.
Finance Made Simple, With Experts Who Care
Residential Mortgage
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Navigating the property market for the first time can be overwhelming. At Barco Finance, we specialize in guiding first-home buyers through every step of the process, from understanding government grants and incentives to securing competitive interest rates and loan terms that match your circumstances.
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Maximise your investment potential with our tailored property investment loan solutions. Our brokers analyze market trends, tax implications, and rental yields to help you build a robust property portfolio that aligns with your wealth creation strategy.
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Is your current home loan still working for you? Our refinancing specialists can help you secure better rates, reduce your repayments, access equity, or consolidate debt. We'll compare hundreds of loan products to find the option that delivers genuine savings.
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Building your dream home requires specialized financing. Our construction loan experts understand the unique requirements of progress payments, builder relationships, and planning timelines to ensure smooth financing throughout your build.
Business Finance
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From office spaces to retail outlets and industrial properties, our commercial property financing solutions are designed for businesses looking to own their premises or expand their commercial real estate portfolio.
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Keep your business competitive with our equipment financing options. Whether you're updating technology, purchasing vehicles, or investing in specialized machinery, we'll structure finance that preserves your cash flow while acquiring essential assets.
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Maintain healthy cash flow with our working capital financing options. We offer tailored solutions including overdrafts, line of credit facilities, and invoice financing to help your business meet day-to-day operational expenses and seize growth opportunities.
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Fuel your growth ambitions with our business expansion financing. Whether you're opening new locations, entering new markets, or scaling operations, our brokers will secure funding that supports your strategic objectives without compromising stability.Item description
SMSF Finance
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Leverage your self-managed super fund for residential property investment with our specialized SMSF lending solutions. Our brokers are well-versed in the complex compliance requirements and can help structure appropriate financing within superannuation regulations.
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Diversify your retirement portfolio with commercial property investment through your SMSF. Our experts navigate the additional complexities of commercial property financing within the SMSF framework, ensuring compliance while maximizing your fund's investment potential.
Master Your Financial Journey
Using Our Home Loan Calculators
With 50 + Lenders and Partners, We Open The Door To More Choices
"Local Homeowners Share Their Experience"
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We reached out to Barco Finance as first-time buyers looking to invest in property in Australia. Justin and his team were incredibly thorough in educating us about the property purchase journey and the steps involved in making informed real estate investment decisions. They provided us with detailed pros and cons of various properties and scenarios, which helped us define our investment goals clearly. Justin is now developing a strategy to secure the necessary financing for us. For anyone seeking comprehensive support beyond just mortgage brokering, we strongly recommend Justin and the Barco Consulting team. Their deep knowledge in property investment consulting and financial planning makes them an invaluable partner in the real estate market.
IIJA Weber
Google Profile Review -
"I had the pleasure of working with Barco Finance while preparing to purchase a Boost Juice franchise. As a young woman entering the business world, I needed clear, professional guidance on securing the necessary financing for this significant investment. From the very beginning, Barco Finance provided invaluable support. Their team took the time to thoroughly understand my financial situation and the specific requirements of purchasing a Boost Juice franchise. They patiently explained every step involved, from preparing the financial documents to identifying the best financing options available. Special mention goes to Justin, whose expertise and dedication were instrumental in the success of this endeavor. He provided comprehensive advice and walked me through the entire process, ensuring I was well-prepared and confident. Thanks to Justin’s efforts, I was able to secure the necessary financing without any major hurdles through Loan Market Justin Barnes I am incredibly grateful for the professional and supportive assistance from both Barco Finance and Barco Consulting. Their expertise made what could have been a daunting process straightforward and manageable. If you are seeking business advisory services or finance, I highly recommend talking to Justin Founder and Director of Barco Consulting and Juliana Barnes Senior Bookkeeper BAS agent.
Georgia Quinn
Owner Boost Juice
Google Profile Review -
"Barco Finance: Your Go-To for Expert Problem-Solving and Unmatched Speed" "I cannot recommend Barco Finance highly enough, especially if you're facing complex financial hurdles or need a fast, reliable solution. My partner and I were stuck: our dream renovation was in jeopardy, and after being told by another broker we couldn't service a loan, we felt completely defeated. Justin at Barco Finance didn't just look at the surface; he dug deep, quickly identifying that we'd been victims of fraud and had inaccuracies on our credit file. He knew exactly how to fix it. What truly amazed us was the speed – after helping us clean up our file and gathering our documents, Barco Finance got us an approval in an unbelievable 12 hours. This isn't just about getting a loan; it's about having an expert partner who can navigate the trickiest situations and deliver results with incredible efficiency. If you want someone who genuinely solves problems and acts with lightning speed, Barco Finance is the clear choice."
Steve Howieson
Google & Facebook Profile review
About Barco Finance
Property isn't just bricks and mortar – it's your family's future, your retirement security, and your legacy. At Barco Finance, we understand that behind every property decision is a dream worth pursuing and a goal worth achieving.
Founded by Director and Principal Mortgage Broker Justin Barnes, Barco Finance is a division of Barco Consulting built on a simple belief: everyone deserves the opportunity to build lasting wealth through smart property and business investments. We're not just another finance company – we're your dedicated partners in transforming financial aspirations into reality.
Answers to Your Top Property Loan Questions
Frequently Asked Questions
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Answer: Yes, our team has extensive experience with waterfront properties, prestige homes, and investment opportunities across suburbs from Avalon to Wahroonga. We understand local council requirements, strata considerations, and lending criteria specific to these premium areas.
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Answer: Absolutely. We work with specialist SMSF lenders who understand the unique requirements for self-managed super fund property investments, particularly for higher-value Northern Beaches and North Shore properties.
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The typical timeframe for property loan approval in Australia generally ranges from a few days for straightforward cases with complete documentation to several weeks for more complex scenarios, with the entire process from initial application to final settlement often taking anywhere from 4 to 6 weeks. This timeline is heavily influenced by the client's readiness to provide all required documents, the efficiency of the chosen lender's internal processes, and the specific complexities of the loan and property, such as the need for additional valuation time for premium properties. Getting pre-approval and preparing all necessary paperwork in advance are key steps to expedite the process and secure an approval within the faster end of this spectrum. Barco Finance has a 8-12 hour approval rate were clients have provided all documents.