Getting a loan approved is the easy part. Structuring it so it still works for you in five years is where nearly 20 years of lending experience earns its keep.
Hi, I'm Amanda Hardy, founder of Two Acre Finance, a boutique lending advisory on the Sunshine Coast working with clients across Australia. I've been structuring loans since before the GFC, so I've watched lending decisions play out over a full market cycle, not just at settlement.
WHO I WORK WITH
Professionals, business owners and property investors, most of them busy, ambitious and juggling a lot. Many are self employed, which means their financials don't fit neatly into a standard lender box. As a business owner myself, I understand how a business looks on paper isn't always how it runs. My experience and exposure to different lenders and lending strategies means that rarely stops me. Often it's a matter of sequencing: the right lender and structure for where the business is today, revisiting things once the financials tell the fuller story. Every piece of the puzzle has a place. My job is to work out the order and get all the pieces to fit.
HOW I WORK
Every recommendation starts with the whole picture: income, cash flow, entity structure and where you'd like to be in a few years. Then the lending gets built around that, with your accountant, financial planner and other advisors in the loop so nothing is decided in isolation.
Plenty of people can compare rates. The difference is in the structure, and I'll tell you plainly when I think there's a stronger one than what you've been offered.
WHAT CLIENTS REMEMBER
Usually not the interest rate. It's the moment they realised they didn't have to work this out alone. Someone was listening, explaining things properly and watching the details, and one of the biggest financial decisions of their life started to feel calm and clear. Even now, ringing someone to say their loan is approved is still my favourite part of the job!
AFTER SETTLEMENT
You'll deal with me directly throughout, my team keeps you informed at every step, and we review your loan each year so it keeps pace with your life.
WHERE TO START
If you'd like a clear, honest view of your options, please send me a message. There's no cost and no pressure, just a proper conversation about where you are and where you'd like to be.
A & LL Hardy Pty Ltd trading as Two Acre Finance, Australian Credit Licence 510130.
5.0
30 Reviews
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Cynthia Rigg
Highly recommend 10/10! My partner and I have been working with Amanda and her team for years now - both in purchasing property and refinancing loans. They are very friendly and readily available every step of the way to guide you through what can sometimes be an overwhelming process. Amanda goes over and above to review our finances regularly and ensure we are always getting the best deal for our circumstances. It actually shocked me how often your loans can be reassessed to save a substantial amount of money over time and who doesn't need that in the current economy! I feel very confident in her knowledge and often recommend her services to others.
Kelli Marsden
Amanda and Cecilia were great to deal with. They kept us informed on the progress of our finance and provided a lot of additional information and support. They were very transparent with us and our conveyancer. Would highly recommend Two Acre Finance to family and friends. We would use Two Acre Finance again.
OTR 19
Amanda was easy to work with, super clear communication. Super fast and focused right from the beginning. Her email communication was excellent and she even kept our not so focused and sometimes not very clear conveyancer honest. We will work with Amanda in the future and would recommend her without hesitation. Thanks.
Stuart Loudon
I recently assisted Amanda's clients with a loan advice. I was very impressed by her approach- warm, professional and displaying a "go the extra mile" outlook. Amanda's commitment to client service was very evident and matters were able to be resolved quickly because of her attention to detail. I would strongly recommend Amanda to anyone requiring her services.
Jaymie Wheeler
I can honestly say my experience with Amanda has been nothing short of exceptional. From the very beginning, she has been incredibly supportive and always takes the time to guide you through every step of the process. Nothing ever feels too much for her; she happily breaks everything down and works through all the figures with you so you fully understand your options. Her patience, knowledge, and genuine care make such a difference, and it really shows in the way she looks after her clients. I can’t speak more highly of her and would highly recommend her to anyone looking for a broker they can truly trust and rely on.
Karen Kennedy
I would strongly recommend Two Acre Finance to anyone looking to set up a mortgage. My situation was not good as I had bought off the plan and was not kept in the loop on a completion date. When it was finally in sight I was not prepared but Amanda went well beyond her job to ensure that she found an institution that would offer a mortgage where others wouldn’t . Time was not on our side but Amanda and her team worked tirelessly to ensure the mortgage was set up. With only 14 days notice for settlement Amanda was faced with a huge challenge for the mortgage to go through on the proposed date without a flaw. Unfortunately through no fault of ours there were hiccups at settlement but Amanda worked extremely hard to ensure it went through, keeping in touch with me every minute. I am so very grateful and can only say the professionalism and invaluable advice and support offered by Two Acre Finance would be hard to find any where else.
Areas Serviced
Specialties
Property Investors
Self Employed Business Owners
Owner Occupied Loans
Refinancers
Memberships
Mortgage & Finance Association of Australia (MFAA)
Australian Financial Complaints Authority (AFCA)
Qualifications
Diploma of Finance and Mortgage Broking
Certificate IV in Finance and Mortgage Broking
Experience
Lender Count: 65
Broker Since: 2007