We understand self-employed business

Whether you’re a small business owner, sole trader, or freelancer, we can use your ABN activity to explore loan options.

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Loans for subcontractors and sole traders

Just because you have an irregular income, it doesn’t mean you cannot secure a loan. We have experience in finding finance solutions for clients with fluctuating incomes including subcontractors and sole traders.

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Helping you make a well-informed decision

We will be with you on your lending journey, researching, liaising with lenders, and sparing no effort in securing the ideal loan to meet your needs. We will handle negotiations, paperwork, settlement and beyond.

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Why choose us for your finance solutions

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We are experienced mortgage and finance brokers offering friendly and personalised service. We can schedule a visit to your home or office, or meet virtually, to discuss your requirements.

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We believe every client is different and deserves unique service. We work to understand our clients’ individual situations and find solutions tailored to their specific needs.

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We have access to a wide variety of lenders from established lending organisations to disruptors offering innovative and flexible products. We can find you the right loan product.

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Once we find the loan that’s right for you we do the paperwork to ensure your loan application is submitted properly and promptly. We can support you through your entire borrowing journey.

Bringing experience to your loan journey

Howard Ghedia brings decades of finance and accounting experience to his mortgage and finance brokerage. As well as providing financial solutions for individuals and businesses, Howard has extensive knowledge and understanding in self-managed super funds and has been supporting accountants as an SMSF auditor for more than 20 years.

Howard Ghedia has been in the mortgage and finance industry since 1993 and is accredited with most lenders. Howard is a Credit Adviser, Accredited Broker and Certified Mentor with the Mortgage and Finance Association of Australia (MFAA), the peak industry association.

Professional Practice of Institute of Public Accountants
Diploma in Finance and Mortgage Broking Management
Fellow of the Institute of Public Accountants
Diploma of Financial Services (Financial Planning)
Registered Tax Agent
ASIC-approved SMSF Auditor

howard ghedia finance and mortgage broker

We find the right finance solution to meet your specific needs. We service self-employed borrowers, sole traders, small business owners, subcontractors, SMSF loans, construction and development loans … We can even manage complex loan deals for residential developments.

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Refinancing and existing loan

Do you have the best loan for your current situation? There are many reasons why it is worth investigating refinancing options from simply saving money to accessing improved loan features by tapping into equity.

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Looking for a great broker?

Getting the right loan product separates the good brokers from the great ones. We know that really understanding the borrowers’ financial situation both now and looking ahead is critical to finding the right product. The right loan can lead to further investments and a growing portfolio.

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Construction loans

We can help you find a loan to build a home or an investment property. We are also experienced in managing complex loan deals involving residential developments.

Need a loan to build your business

Commercial or business loans can be used to purchase commercial property, buy new equipment, increase the working capital of a business, or finance other business activities.

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Building a home or investment property?

If you a looking for a loan to build a home or investment property you will require a construction loan. We can help you find the right loan to suit your needs.

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I am a Financial Planner and Accountant and have been referring my clients to What Loan Pty Ltd since January 2006. I can report that all of my clients have been very happy with Howard’s service and he works closely with me to implement strategies that require some form of borrowing. I couldn’t do my job effectively without Howard’s help and expertise.

Bakous Makari

I would highly recommend Howard Ghedia to anybody who needs financial advice. He has assisted me on several occasions with my mortgage and his customer service is flawless. He always kept my mind at ease. He is extremely professional and I have been 100% satisfied each time. Thank you Howard.

Christopher Findlay

We have worked with Howard on 3 separate occasions now and will continue to engage his services because we have always been very happy with the results he has delivered for us. He knows what he is talking about and goes the extra distance to ensure his clients get the best outcome available. I have no hesitation in recommending Howard.

Alex Gould

Thank God for Howard! I say this often! Howard has helped me finance/refinance several property deals and I would highly recommend him to anyone who wants a real person who strives to do his best for the client without bias. Howard is not only my broker but he has also become my friend. His knowledge and advice is valuable when considering financing pros and cons. I have referred Howard to my son and my friends and they also have been very satisfied with the service he provides.

Maria Cvetkocski

Howard Ghedia Mortgage and Finance Broker

We are a trusted and experienced mortgage and finance brokerage committed to providing personalised service tailored to your specific needs. With our particular expertise, we can help secure finance for self-employed borrowers and for those wishing to purchase property through self-managed super funds. Discover the perfect loan options for your unique situation.