Home loans · Mortgages · Car loans
Three doors. Pick the one you need.
BFF Financial Services holds three registered business names, and each one is a different kind of borrowing. Start with the one that matches what you are doing, and skip everything that does not apply to you.
- Melbourne outer east
- Trading since April 2020
- Car finance specialism
Pick a door
Each one is a real registered name.
BFF Home Loans, BFF Mortgages and BFF Car Loans all sit under BFF Financial Services Pty Ltd on the national business register. They are not marketing labels invented for this page.
BFF Home Loans
I am buying a home
First home, moving up, or an investment. The useful part of a broker is not the paperwork, it is working out what you can comfortably take on before you fall in love with a property, and which structure suits the years after settlement.
Start here →
BFF Mortgages
I already have a loan
Refinancing is a review. A loan priced three years ago was priced for a different market, and checking whether it still stacks up costs a conversation.
Have it looked at →
BFF Car Loans
I am buying a car
The specialism. Lucas is an automotive finance and insurance specialist and spent six years broking finance at RACV, so the dealer's desk holds no surprises.
Compare it →
What happens
Whichever door you pick, the path is the same.
You talk
What you are buying, what you earn, what you already owe, and what you want out of the next few years.
You see options
What is available, and what each one costs across the whole loan rather than in the first month.
It gets lodged
The application is prepared and submitted, and you are kept in the loop rather than left guessing.
It gets reviewed
A loan is not a one off purchase, so it gets looked at again as the market moves.
No approval or settlement timeframes are quoted anywhere on this page, because BFF has not published any and they depend entirely on the lender and the application.
The record
Everything here can be checked.
There is no website, no Facebook page, no Instagram account and no Google Business listing for BFF Financial Services. So this page was built from the only two places the business appears in public: the national business register, and the director's own professional profile.
Everything else on a normal finance website has been left blank rather than guessed. The list of blanks is on the right.
Public record
- EntityBFF Financial Services Pty Ltd
- ABN93 640 071 450
- ActiveSince 1 April 2020, GST registered from the same date
- LocationMain business location in postcode 3152, Melbourne's outer east
- NamesBFF Home Loans, BFF Mortgages, BFF Car Loans
- DirectorLucas Whiffin, automotive finance and insurance specialist
- EarlierFinance broker at RACV, 2004 to 2010
Still to confirm
The blanks, listed out loud.
None of this has been guessed.
Arranging credit is regulated, and every item below is a claim a client could check. None of it is published for BFF anywhere, so all of it has been left empty on purpose.
- The Australian Credit Licence or credit representative number, and the licensee behind it
- The lender panel, and how many lenders are on it
- Whether the client pays a fee, the lender pays on settlement, or both
- Any rate, comparison rate or repayment figure
- Approval and settlement timeframes
- The trading address, and how Lucas prefers to meet
- A business phone number and email, separate from a personal mobile
- Real client reviews, and a Google listing to gather them on
- A photograph of Lucas, rather than a stock person standing in for a broker
Questions
Answered straight.
Pick either. They all reach the same person, and the doors exist to save you reading about a car loan when you are buying a house.
No figure is published on this page. Brokers are commonly paid by the lender on settlement, and some charge the client as well. BFF has not published its position, so nothing has been assumed.
Not listed. The panel has never been published anywhere, and naming lenders would be inventing commercial relationships. The real list belongs here on a live site.
Credit is regulated in Australia and a live site should carry the credit licence or credit representative number. BFF's is not published publicly, so it has been left out rather than invented.
The business register lists the main business location in postcode 3152, in Melbourne's outer east. The street address is not on the register and is still to confirm.
Because none exist publicly. There is no Google listing to hold them. Writing testimonials would mean inventing clients, which is never acceptable on a finance page.
Talk to Lucas
Say which door, and where you are up to.
A first conversation is short. What you are doing, roughly when, and whether it is worth taking further.
This is a concept page. The form does not send anything, and no phone number or email for the business is published here.
