About Horizon Financial Solutions

More than Mortgage Brokers, We’re Your Local Finance Partners

With over two decades of industry experience, we help first home buyers, property investors, refinancers, and self-employed clients navigate the complex world of home loans with clarity and confidence.

Contact Us

Call 1300 884 779

Andrew Leak - Horizon Financial Solutions

Compare 60+ Lenders in One Place

Licensed, Trusted & Compliant Mortgage Experts

At Horizon Financial Solutions, your peace of mind is just as important as securing the right loan. We are fully licensed, insured, and adhere to the highest standards in mortgage broking and financial services.

Our Credentials & Compliance

Australian Credit Licence

Authorised under LMG Broker Services Pty Ltd (ACL 517192), ensuring all lending advice meets strict Australian regulatory requirements.

Professional Memberships

Proud members of the Finance Brokers Association of Australia (FBAA), supporting professional standards and best-practice mortgage broking.

Insurance Protection

Covered by professional indemnity insurance to protect our clients and uphold responsible lending practices.

Compliance & Ethical Standards

Fully compliant with all regulatory, ethical, and consumer protection requirements within the Australian finance industry.

Code of Ethics

At Horizon Financial Solutions, integrity isn’t optional, it’s the foundation of everything we do. We are committed to acting in the best interests of every client, every time.

Transparency

We believe in complete transparency. We clearly explain why we recommend a particular loan solution, how it aligns with your goals, and how we are remunerated. You will always understand your options and feel confident in your decisions.

Best Interests & Compliance

We operate in accordance with all Australian credit laws and regulatory requirements, including our Best Interests Duty obligations. We are committed to responsible lending practices and ensuring every recommendation is suitable, sustainable and aligned with your financial objectives.

Managing Conflicts of Interest

Where a potential conflict of interest exists, we disclose it promptly and clearly. Your needs always take priority. We are committed to providing unbiased guidance that supports your long-term success.

Professional Excellence

We continuously invest in professional development to maintain high industry standards. By staying informed about lending policies, regulatory changes and market conditions, we ensure you receive accurate advice and strategic finance solutions.

Quality & Accountability

We maintain accurate, secure and compliant client records at all times. Protecting your information and ensuring complete documentation is part of our commitment to delivering a professional and reliable service experience.

Your Mortgage Broker Questions, Answered

Do I have to pay Horizon Financial Solutions to arrange my loan?

In most cases, no. We are typically paid by the lender once your loan settles, meaning there is usually no direct cost to you for using our services.

How does a mortgage broker get paid?

Brokers are generally paid by the lender in two ways, an upfront commission when your loan settles and an ongoing trail commission calculated on the remaining balance of your loan. These payments allow us to manage your application and provide ongoing support.

Does this commission affect my interest rate?

No. The commission is paid by the lender and does not increase your interest rate. The loan products we recommend are based on suitability and your financial goals.

Are you required to act in my best interests?

Yes. As licensed mortgage brokers in Australia, we are legally bound by Best Interests Duty obligations. This means we must prioritise your needs and recommend a loan that is appropriate and suitable for your situation.

Will I know how much you are paid?

Absolutely. All commissions and remuneration details are clearly disclosed in your Credit Proposal Disclosure document before you proceed with your loan.

Do you ever charge fees?

In most standard residential lending scenarios, we do not charge a client fee. If a situation arises where a fee may apply (for example, complex commercial or specialist lending), this would always be discussed and agreed upon upfront.

Ready to get started?

Book a Free Consultation

or call 1300 884 779

How Horizon Financial Works With You

A simple, three-step process to help you understand loan options that suit your situation

Step 1

Understand Your Goals

We take the time to get to know you and understand your financial situation, goals and priorities. This ensures every recommendation is tailored to you.

Step 2

Explore Your Options

We review a range of loan options for your circumstances. Each option is explained, including potential long-term impacts, enabling you to make an informed decision.

Step 3

Submit Your Loan Application & Support

We guide you through the application and lodgement process. You receive continued support and loan reviews to ensure it continues to meet your goals as circumstances evolve.

What Locals Say About Horizon Financial Solutions

Proudly supporting homebuyers across Australia.

Meet the HFS Team

My wife and I had an amazing experience working with Andrew and April at Horizon Financial Solutions.

From the start, they made the home loan application process so much easier than we ever expected. Andrew is transparent and took the time to explain every detail. April was always there to guide us through each step with such care and professionalism.

Their expertise and dedication made us feel like we were in the best hands, and we couldn’t be happier with the outcome.

If you’re looking for a team that genuinely cares and works hard to get the best results, we highly recommend Andrew and April!

Ben Smith

Speak to Your Local Mortgage Broker Today

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Phone Horizon Financial Solutions

1300 884 779

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Based in Cedar Grove, QLD

Get personalised home loan advice.

Whether you’re buying your first home, refinancing, or investing, we’re here to guide you every step of the way.

Your Home Loan Options, Made Simple

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