How long does mortgage approval usually take?

One client reported finance approval in record time; others note timely processing, though delays can occur depending on the bank and complexity of the application.

Do you help first-time buyers new to Australia?

Yes. Stephen guides international buyers through the entire process step-by-step, explaining each stage clearly and managing the process from initial consult through settlement.

Can you help if my bank is delaying my application?

Yes. Stephen follows up with lenders, escalates applications when necessary, and works behind the scenes to progress delayed approvals.

Mortgage Focus

Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 12 Google reviews · How we rank ›

5.0(12) 83 composite score See reviews on Google ✓ Google-verified

First Home Buyer LoansMortgage BrokerRefinancingInvestment Property FinanceCommercial & Business FinanceCar & Personal Loans

Location: Joondalup
Services: First Home Buyer Loans, Mortgage Broker, Refinancing
Reviews: 12
Ranking: #166 in First Home Buyer Loans
Best for: First-home buyers, refinancers, and international buyers new to Australian mortgages.

Core details are sourced from this business's Google Business Profile (checked 2026-08-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Stephen Davis consistently delivers personal, attentive service that turns mortgage approval into a smooth, low-stress experience. Reviewers praise his knowledge, responsiveness, and willingness to work through delays-particularly his behind-the-scenes persistence with banks and his skill at explaining every step clearly to first-time buyers and refinancers alike.

Praised for

knowledgeable and responsive broker
takes stress out of buying process
went above and beyond
clear communication and guidance
reliable follow-up and persistence

responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokersmooth-settlementreliable-followuppatient-with-questionsgreat-with-first-home-buyers

Best for: First-home buyers, refinancers, and international buyers new to Australian mortgages.

What are they good at?

Broker Stephen Davis handles complex loan approvals and bank delays
Clear step-by-step guidance for first-home buyers new to Australia
Refinancing expertise delivering rate and feature improvements
Consistent personal follow-up through entire process

Worth knowing

Stephen Davis is the named broker praised across all reviews
Helped international first-home buyer through entire process
Worked through bank delays and escalation with ANZ
Obtained finance approval in record time for some clients
One reviewer noted improved interest rates and offset account flexibility
Another reviewer mentioned property sale finance support

What reviews say by service

First Home Buyer Loans: Stephen guides first-time buyers through unfamiliar process, particularly those new to Australia, with clear step-by-step explanations and stress-free experience.
Refinancing: Achieved considerable savings and better loan features when refinancing clients' existing mortgages.
Mortgage Broker: Personal, responsive brokering with persistence through bank delays and genuine focus on client best interests.
Investment Property Finance: Website lists this service; no review detail provided.
Commercial & Business Finance: Website lists this service; no review detail provided.
Car & Personal Loans: Website lists asset finance; no review detail provided.

How it compares

Rated 5 against a 4.92 average across the 365 first home buyer loans businesses listed here.
Has more Google reviews than 43% of the businesses in this directory.

How we scored this

Scoring Method

Star rating 96

Review volume 48

Review recency 100

Review sentiment 81

Profile completeness 100

Verification 30

Rating breakdown

FAQ

How long does mortgage approval usually take?: One client reported finance approval in record time; others note timely processing, though delays can occur depending on the bank and complexity of the application.
Do you help first-time buyers new to Australia?: Yes. Stephen guides international buyers through the entire process step-by-step, explaining each stage clearly and managing the process from initial consult through settlement.
Can you help if my bank is delaying my application?: Yes. Stephen follows up with lenders, escalates applications when necessary, and works behind the scenes to progress delayed approvals.

Contact

Phone: +61456470904
Website: https://www.mortgagefocus.com.au/
Address: 25 Delage St, Joondalup WA 6027
Open in Google Maps

Last verified 2026-08-30

Opening hours

Monday: 07:30-18:00
Tuesday: 07:30-18:00
Wednesday: 07:30-18:00
Thursday: 07:30-18:00
Friday: 07:30-18:00
Saturday: Closed
Sunday: Closed

As listed on Google.

From their website

Services listed

MortgagesInvestment LoansCommercial LoansAsset FinanceRefinancing

Credentials claimed:Credit Representative 430663, Australian Credit Licence Number 389328

Operating:over ten years

As published by the business on its own website; not independently verified.

Find more in this area

Joondalup

Request a quote

Similar mortgage brokers nearby

80 low data

Mortgage Choice Joondalup - Jenni Adams

5.0(15)✓ Google-verified

Jenni Adams has held clients for over a decade through multiple property transactions. Reviewers praise her speed, hands-on care, honest advice, and ability to secure competitive rates without the pressure.

First Home Buyer LoansMortgage BrokerRefinancing

View profile

70 low data

Mortgage Choice Joondalup - Mark Terhoeve

5.0(3)✓ Google-verified

Mark Terhoeve builds lasting trust with clients, handling complex situations calmly and putting their interests ahead of commission. Reviewers over five years consistently praise his integrity and willingness to advise against deals that would benefit him more.

First Home Buyer LoansMortgage Broker

View profile