Facebook-f Instagram Linkedin-in Google
Get Started

Move Forward with Confidence

Work with trusted loan experts who provide clear advice and tailored solutions so you can make informed financial decisions at every stage.
Get Started

Have a question? Call or Email us right now

Call Us

02 9570 6699

Email Us

hello@martincofs.com.au

Head Office

159 New South Head Road, Edgecliff NSW, 2027, Australia

Email Us

hello@martincofs.com.au

Let's Talk

02 9570 6699

Your local lending experts

The right loan changes everything.

Finding the right loan shouldn't feel like a second job. Todd Martin and the team take the time to understand your situation, search across 90+ lenders, and do the heavy lifting so you don't have to. No jargon. Just straight-talking advice from people who genuinely care.
  • First Home Buyer Loans
  • Investment Loans
  • Refinancing
  • Car & Asset Finance
  • Commercial Loans
  • Personal Loans
Discover more

Access over 90 lenders and secure a loan that works for you.

What we'll do for you

From the first enquiry through to settlement, the process is made simple, clear, and manageable.

Understand your goals.

We review your finances and long-term plans to know exactly what you need.

Explore tailored options.

We compare 3–5 loan choices and guide you to the best fit.

Handle the process.

From application to settlement, we manage everything for you.

Keep you on track.

We check in regularly to ensure your loan still works for you and helps you save.

Trusted Mortgage Guidance

Your local mortgage and finance specialist

MORE LENDERS. BETTER RATES. REAL RESULTS.

Todd Martin is a locally based, independent broker helping Australians secure smarter loan solutions. From first home buyers to experienced investors, we match the right lender to your goals every time.
Access to 90 plus lenders all in one place
Home, investment, business and car loans
Guidance on first home buyer grants and schemes
Fast approvals with clear, jargon free support
Get Started
What We Offer

Our Loan Services

icons8-home-150
Home Loans

Buying a first home is a big step. With over 10 years in business, the team simplifies the process, explains each step clearly, and helps clients find a home loan that suits their budget and long-term plans.

Learn more
icons8-property-100
Property Investment Loans

Building a property portfolio requires the right loan. Clients are supported to secure finance for investments and make informed decisions with confidence.

Learn more
icons8-money-circulation-100
Refinancing

A better loan can reduce repayments and free up cash. Current mortgages are reviewed, and refinancing options are presented to keep loans working efficiently.

Learn more
home-loan-icon-f
Bridging Loans

Whether upsizing for more space or downsizing for a simpler lifestyle, a bridging loan gives clients the freedom to purchase their next home before selling their current one so they can move on their terms, not the market’s.

Learn more
icons8-building-100
Construction Loans

Building a home or investment property starts with the right finance. Construction loans are secured early to reduce delays and risks.

Learn more
icons8-mortgage-100
SMSF Loans

Clients are guided through compliant SMSF loans, using super to invest in property while supporting long-term retirement goals.

Learn more
icons8-car-100 (2)
Car Loans

Options from over 20 lenders are compared to help clients secure a car loan that fits their financial situation, making it easier to drive away with confidence.

Learn more
icons8-debt-100
Personal Loans

From travel to study or unexpected expenses, clients are matched with personal loans designed to suit their needs and repayment capacity.

Learn more
icons8-investment-100
Asset Finance

Multiple lenders are accessed to provide structured asset finance solutions, helping businesses upgrade or grow while keeping operations on track.

Learn more
icons8-business-building-64
Commercial Property Loans

Buying or refinancing business premises can be complicated. Complex commercial loan options are simplified and aligned with growth plans.

Learn more
icons8-small-business-100
Secured Business Loans

Leverage assets such as property to access higher borrowing limits, competitive rates, and flexible terms for business expansion, acquisitions, or long-term growth.

Learn more
icons8-mortgage-96
Unsecured Business Loans

Fast access to capital without tying up assets. Ideal for managing cash flow, covering operating costs, or acting on a growth opportunity quickly and with minimal barriers.

Learn more
Why MartinCofs

What makes us different?

The difference

Why choose us?

MartinCo Financial Services
Banks & Lenders
A dedicated, non-bank affiliated loan expert
No cost to you.
Clear and transparent on fees
Acting in your best interest
Quick and efficient loan processing
Compare 60+ lenders in one place.
Support even after your loan settles.
Get Started

Speak With a Mortgage Specialist

Have a question or ready to get started? Send us an enquiry and our team will get back to you to discuss your options.
Client Reviews

Real Results. Trusted by Clients.

Guidance Made First Home Easy

"Todd and his team were exceptional from start to finish assisting us with our mortgage approval. This was our first home purchase and we were very new to the process, however Todd and his team helped us every step of the way. We hit a few unexpected snags due to my partners visa status along the way and Todd managed to find solutions to help us achieve a mortgage without being lumped with an excessive government surcharge. We are truly grateful for Todd and his team and highly reccomend them to assist in securing a mortgage at an excellent rate."

Josh Boulton

Client

Smooth and Efficient from Start to Settlement

"We can’t thank Todd Martin enough for his help securing the right finance for us. When we were finding it difficult to arrange things on our own, Todd stepped in and quickly identified the best solution. He guided us through a smooth, efficient process all the way to settlement, making what could have been stressful feel simple and well managed. We’d happily recommend Todd to anyone looking for knowledgeable, proactive and reliable mortgage advice."

Adam Boyle

Client

Clear Guidance and Personalised Care

"I highly recommend Todd Martin from MartinCo Financial Services. He took the time to truly listen to my needs, provided clear and thorough guidance, and he carefully planned the best approach to secure my loan. He, and his teams support throughout the process was outstanding, making the experience smooth and stress-free."

Belinda Robinson

Client

Outstanding Communication and Support

"We're so grateful we had Todd with us through this whole journey as first home buyers. His communication was exceptional, and the guidance he gave us at every step honestly felt like a superpower. Having someone we can rely on in our corner made everything so much easier and gave us so much confidence. We couldn't be more thankful or recommend him more highly. Thank you Todd!"

Nathan Bryant

Client

Professional and Stress-Free Experience

"Todd Martin and his staff provided outstanding service. They supported us through the process with professionalism and care. Highly recommend for anyone needing financial services. First home buyer two thumbs up! "

Rachael mcfadyen

Client

Simple and Easy for First Home Buyers

"Fantastic brokers to deal with. They made everything seamless and easy to understand, which was incredibly helpful as a first home buyer. I strongly recommend them to anyone."

John Sanchez

Client

Reliable Advice and Long-Term Support

"I have worked with Todd and the team at MartinCo Financial Services for a number of years both for personal finances as well as professional. I have recommended the service to friends, family members and other businesses that we have worked with - and have only heard positive things. I find the professionalism, knowledge of the market, presentation of various solutions and the personalised service to be second to none. There is no other organisation that I would seek, and no one that I would trust with my finances other than Todd and his team."

Nicholas Alderdice

Client

Expert Support for SMSF Property Finance

"We’ve just used Martin and co to assist in securing a loan to purchase a property in our SMSF. Always professional and easy to deal with, we would highly recommend them."

Julie Kidd

Client

Fast and Competitive Car Loan Approval

"Todd and his team were fantastic. They moved very quickly to get the car loan in place and got me a competitive rate. Everything was explained to me which made the process easy and stress free."

Christopher McGrath

Client

Smart Solutions for Complex Financial Needs

"I can't recommend Todd and his team highly enough. We were unfortunate enough to lose a business and needed to consolidate a business loan into our mortgage. Todd and Ericka handled the whole process and made it as smooth as possible. We will be using Todd and the team for all of our lending needs in the future."

Rachel S.

Client

Common Questions

Frequently Asked Questions

What does a mortgage broker do?
A mortgage broker connects you with lenders, compares loan options, and manages the process on your behalf. You receive expert guidance at no cost, as the lender pays the broker.
Yes. Your borrowing capacity depends on your income, expenses, and financial commitments. Use our calculator or speak with us for a detailed assessment.
Government grants and incentives vary across Australia. We’ll help identify which first home buyer grants or schemes you may be eligible for.
Approval times vary depending on the lender and property type. Typically, pre-approvals take a few days, while full approvals can take 2–4 weeks.
Yes. We review your current loan, compare rates, and calculate potential savings to help you make informed refinancing decisions.
Absolutely. We specialise in finding solutions for clients with unique circumstances, including self-employed applicants, multiple properties, or non-standard income.
Start Your Loan Application
Complete a quick application and we’ll guide you through the process to find the right loan for your needs.
Start Application