
You know property is one of the most powerful ways to build long-term wealth — but knowing how to start (or grow) is where most people get stuck.
Most people assume they need a huge deposit or high income to invest— and never realise what’s actually possible.
That’s where Ashworth Finance comes in.
We specialise in helping Australians start and grow property portfolios using smart lending strategies.

Australian mortgage broker

Access to multiple lenders

No-obligation assessment
You may already have a deposit sitting in your current property. We show you how to unlock equity to fund your next purchase.
Buy an investment where it makes financial sense while continuing to rent where you want to live.
We help you understand borrowing capacity today and how to structure loans for future purchases.
Not all lenders treat investors the same. We compare lenders who specialise in investment lending.
Correct loan structure can save thousands and make future investing easier. We get it right from day one.
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Reach out and have a 15-20 min meeting to discuss needs and objectives as well as access your financial situation.
Receive a shortlist of product options that best suit your needs for objectives.
Decide on a lender/product and provide some further information to your broker.
Your Broker will write up your loan and submit to the lender of your choice within 24 hours of receiving all necessary documents.
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Ashworth Finance was founded by Louis Ashworth, a finance professional with years of experience in banking and mortgage broking. With a strong understanding of lending and a passion for helping Australians achieve financial success, Louis created Ashworth Finance to deliver strategic, transparent, and client-focused finance solutions that empower people to invest and grow with confidence.
Besides your deposit and stamp duty (tax), there are several other fees to be aware of:Lenders Mortgage Insurance (LMI) is a fee charged when your deposit is less than 20% of the cost. This is to protect the lender in case of default of loan.
Legal and Conveyancing fees come from needing to engage a solicitor to handle the legal aspects of the property purchase.
Building and Pest inspection these inspections come with associated expenses.
Mortgage Registration fee are fees involved in registering the property title in your name with relevant state authority.
Application fee is a fee depending on the lender you are getting a loan from
Valuation fee are required by some lenders to determine the property value.
Each lender has different application/settlement fees associated with refinancing. These fees will be highlighted by your broker. You will also have a discharge fee for closing out your loan with your current lender (usually around $300), as well as a mortgage registration fee. This is a government cost for altering the registration over the property (usually around $200).
Brokers are compensated by the lender that the client goes ahead with. All Lenders provide the same fee, so commission does not affect the brokers offering decisions. Brokers will always offer lenders that are in the best interest of the client. If a client is to leave that lender within 2 years, the broker will have that commission clawed back by the lender.
Once all documents have been collected, loan documents will be issued within 24 hours. Once signed, depending on the lender chosen and their pickup times, your application could be approved as quickly as 48 hours. Once unconditional approval has been offered settlement is usually book for 2-3 weeks after.
Your broker will ask for some forms of Identification, Payslips/Income Statements (Financials if self-employed), Bank Statements, as well as statements for any other liabilities.
Brokers offer several advantages over approaching individual banks. Brokers have access to a wide panel of lenders, allowing them to compare multiple products to find the best rates and terms tailored to your requirements. On top of finding, you the best products on the market, the broker will manage the whole process for you. Making the purchase/refinance stress free. Finally, brokers will keep on top of the loan, ongoing throughout the life of the mortgage, making sure the banks don’t take the clients for a ride, and repricing you when rates move.
Pre-approval is a conditional commitment from a lender that indicates how much they are willing to lend you. It is recommended to obtain preapproval before house hunting as it gives you a clear budget of what you can put offers down for and strengthens the negotiating power of the buyer.
The deposit required to buy a property is generally a percentage of the purchase price, typically ranging from 5% to 25%. If your deposit is below 20%, you will be charged Lenders Mortgage Insurance (LMI). If you’re a first home buyer, there are opportunities to avoid LMI and pay as little as 5% deposit.