At Equate Finance, our mission is to help individuals, businesses, and self-managed super funds achieve their property ownership and wealth creation goals through tailored finance solutions.
We’re here to arrange the right finance for you.
- We take the time to understand your needs, goals, preferences, and constraints, then match you with the most suitable product from the most appropriate lender.
- We have access to one of Australia’s largest lender panels, including major banks, international banks, mutual banks, non-bank lenders, and proprietary products.
- Our deep technical expertise and experience ensure we guide and support you through every step of your borrowing journey.
- Our residential home loan services come at no cost to you.
- We’re passionate about finance—and even more passionate about helping our clients achieve their dreams!
Phil White, GAICD, BEng (Hons)
Phil is the principal of Equate Finance. He brings over 25 years of experience in Australian financial services, spanning residential and commercial lending, general insurance, trade credit, and surety. He began his career as an apprentice electrician before earning a first-class honours degree in engineering. Phil transitioned into financial services in the UK and migrated to Australia in 1999. He is dedicated to helping clients navigate the lending landscape to achieve their financial goals.
Phil White, GAICD, BEng (Hons)
Phil is the principal of Equate Finance. He brings over 25 years of experience in Australian financial services, spanning residential and commercial lending, general insurance, trade credit, and surety. He began his career as an apprentice electrician before earning a first-class honours degree in engineering. Phil transitioned into financial services in the UK and migrated to Australia in 1999. He is dedicated to helping clients navigate the lending landscape to achieve their financial goals.
Our Partnership with AFG
Equate Finance is proudly partnered with Australian Finance Group (AFG), one of Australia’s leading mortgage and finance aggregators and an ASX-listed company. AFG provides us with access to an extensive lender panel, as well as cutting-edge technology, compliance frameworks, and operational support—so we can focus on delivering exceptional service and results to our clients.
About Mortgage Brokers
Mortgage brokers play a key role in helping Australians find and secure the right home loan. Acting as an intermediary between borrowers and lenders, brokers assess a client’s financial situation, compare products from a wide range of lenders, and recommend suitable options tailored to the client’s needs and goals. They also assist with the application process and manage communication with the lender right through to settlement.
Importantly, mortgage brokers operate under strict regulations designed to protect consumers. In Australia, they must hold an Australian Credit Licence or be an authorised representative of a licence holder, and are governed by the National Consumer Credit Protection Act 2009. Brokers are also required to comply with Best Interests Duty, introduced in 2021, which legally obliges them to prioritise their clients’ interests when providing credit assistance. This sets a higher standard than what applies directly to banks.
The value of using a broker lies in the choice, expertise, and ongoing support they provide. With access to dozens of lenders and hundreds of loan products, brokers can often find more competitive or flexible options than a borrower could alone. Their guidance simplifies the process and can lead to significant time and cost savings.
The Lenders On Our Panel
