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ABOUT US
Empowering Your Financial Future
At Affford Finance, we are dedicated to helping individuals and businesses navigate their financial journey with confidence and clarity. As a trusted finance brokerage, we specialise in delivering tailored lending solutions that meet your unique goals and circumstances.
With a commitment to service, transparency, and results, Affford Finance offers a wide range of financial services, including:
Home Loans – Whether you're a first-time buyer, upgrading your home, or refinancing, we help you secure the right loan at the most competitive rate.
Commercial Loans – Grow your business with flexible commercial finance solutions designed to meet your operational and expansion needs.
Asset Finance – From vehicles to equipment, we provide asset financing that helps you acquire the tools you need to succeed without upfront costs.
Car Loans – We make it easy to get behind the wheel with tailored car loan options for both new and used vehicles, whether for personal or business use.
SMSF Lending – Take control of your retirement strategy with expert guidance and lending solutions for your self-managed super fund investments.
Personal Loans – For life’s important moments and unexpected expenses, our personal loan options are customised to fit your situation and goals.
We work with a wide panel of lenders to provide options that are competitive, strategic, and in your best interest. Our experienced team is passionate about simplifying the lending process, providing personalised support every step of the way.
Affford Finance – Afford more with tailored financial solutions.
Meet our Team
Sushant Arora (Sonny)
Director | CPA, M.Com, Registered Tax Agent
Phone: 0402 794 165
Email: sonny.arora@affford.com.au
Sushant Arora, known professionally as Sonny, is the Director of AFFFORD Finance and brings over 14 years of experience in the accounting and tax industry. A qualified Certified Practising Accountant (CPA) with a Master of Commerce, Sonny is also a fully licensed Tax Agent, known for his analytical insight, ethical approach, and commitment to client success.
Throughout his career, Sonny has helped individuals, families, and businesses navigate complex financial decisions with clarity and confidence. His deep understanding of taxation, financial structuring, and compliance gives him a unique edge in the mortgage broking industry, where strategic financial planning is critical to long-term success.
Sonny has now expanded his expertise into mortgage and finance broking, founding AFFFORD Finance to offer a broader range of solutions to clients. His transition is driven by a passion for helping people not just manage their money, but build wealth and achieve financial independence through smart lending strategies.
With a client-first philosophy, Sonny is focused on delivering tailored lending solutions—from home loans and car finance to SMSF lending and commercial loans—while upholding the same professionalism and trust that has defined his career in accounting.
“My goal is simple: to make finance accessible, transparent, and empowering for every client.”
Services
Supporting First Home Buyers
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant
Investment Loans
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Commercial Loans
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Standard Variable & Fixed Rate Loans
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
Honeymoon Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Asset Finance
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
WHY CHOOSE US
We'll find the loan that's right for you
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.
Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
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We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
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We are here to serve you and ensure you will be 100% satisfied with our service.
We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.You can feel confident that you are in safe hands and we will find the loan that’s right for you.
Testimonials
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Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you the money on the interest and fees, or potentially help you maximixe your tax benefits.
Not sure what kind of loan you need for your current financial circumstances? That's our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you the peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
CALCULATOR
Use our mortgage calculators to estimate how much you can borrow.
We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Affford Finance before placing your deposit or purchasing any property.
CONTACT US
Get in touch today
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
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