Welcome to Option
Here for Aussies, with Smart Strategies and Trusted Advice.

Based in Sydney, Option Financial comprises expert financial planners, senior advisors, and mortgage brokers, with over 30+ years of experience in Finance and Property. Our focus is on assisting individuals and families to move beyond the cycle of living pay cheque to pay cheque, guiding them towards realising their financial aspirations.

Based in Sydney, Option Financial comprises expert financial planners, senior advisors, and mortgage brokers, with over 30+ years of experience in Finance and Property. Our focus is on assisting individuals and families to move beyond the cycle of living pay cheque to pay cheque, guiding them towards realising their financial aspirations.

Based in Sydney and the Gold Coast, Option Financial offers over 30 years of experience in guiding Australians toward financial security. Our team of expert planners and mortgage brokers delivers tailored advice and proven strategies.

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Not an existing Option Client?

Not to worry – we won’t leave you in the dust. You can browse our site, sign up for a consult and see what Option can offer you.

Not to worry – we won’t leave you in the dust. You can browse our site, sign up for a consult and see what Option can offer you.

No worries – we've got you covered. Browse our site, sign up for a consult, and discover what Option can do for you and your family. Lets chat.

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Thinking of investing, but not sure how?

Moving fast, our investment team is on hand now to take you through current opportunities.

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Option Financial as seen in

As associated with
Hi, I'm Raphael, welcome to Option. Your Wealth Journey starts here.
https://www.youtube.com/watch?v=hM4z6I6qeIg

Get Started Today

Its the next step with Option Financial

Did you know?

You can visit our Sydney office on Castlereagh Street for a free consultation. 

Discuss your financial goals with our expert consultants and learn how we can help you achieve them, whether it’s mortgages, property, or tax.

During your consultation, we’ll take the time to understand your financial goals and tailor a strategy that’s uniquely suited to your needs.

We pride ourselves on our transparent approach. Our commitment is to provide you with the highest level of service and advice, ensuring you feel confident in every decision you make.

Financial plans need to evolve with your life changes. That’s why we offer ongoing support to adjust your strategy as needed, ensuring your financial plan remains relevant and effective.

Did you know we can help you secure finance? We work with over 50+ lenders!

Option Property Lenders
Option Property Lenders
Option Property Lenders
Option Property Lenders
Option Property Lenders
Option Wealth Solutions
Option Property Lenders
Option Property Lenders
Option Wealth Solutions
Option Property Lenders
Save on your Mortgage
Slash Your Monthly Payments

NOW is the time to review your mortgage and reduce your monthly payments. Start saving money today and keep more cash in your pocket with a free mortgage review with Option Financial.

Maximise Your Savings

Reduce your mortgage today and see immediate savings. More money each month means more freedom for what matters most.

Lock in Better Rates

Don’t miss out on today’s competitive rates. Reviewing your mortgage now could mean big savings down the line.

Make Your Money Work Harder
Get more from your money

On average, our clients save significantly by reviewing and refinancing their mortgages with us. Let us help you do the same.

A better mortgage deal

At Option Financial - we assess your situation thoroughly to ensure you get a mortgage package that works for you, saving you money every month.

Expertise that gets you ahead

Our local finance experts work with you to review your mortgage and find the best deal tailored to your needs. More savings, less stress.

Meet Your Experts
Talk to the Experts

Our experts are here to help you find the best deal. Start your mortgage review today by filling out our quick contact form – it only takes a few minutes, and you could be on your way to lower payments and less stress.

Expert Advice, No Cost

Speak with our team for free advice on how to secure the best mortgage deals. We're here to help you navigate the banks and save big.

Let Us Find the Best Deal

Our local experts are ready to guide you through the best mortgage options. Don’t settle for less—contact us today!

** The interest savings estimate is based on average savings of actual customers who have refinanced through our services. It is a modelled estimate and does not predict actual future savings. Assumptions like interest rates and borrower behaviour may change over the loan’s life, impacting the estimated savings. Fluctuations in interest rates are not considered. The current interest rate environment may differ from historical trends, affecting actual savings. Fees from the existing lender are not included. The estimate assumes the same loan terms and timely repayments. Individual situations vary, so seek professional advice before making financial decisions.

5 STAR REVIEWS FROM OUR CLIENTS

  • I can not speak highly enough of Option Wealth. I was a bit on the half glass empty side of things but my dealings with Raphael and the team put those fears to bed. It can be a big step but the professionalism and industry knowledge i found to be on point and Raphael has on open door policy which is extremely comforting. Many thanks to Raphael and the team.

    David Roch Avatar David Roch
    09/16/2024

    Raf and team are exceptional. solid advice, explained well and thoughtfully and with care. cannot recommend enough.

    Kieran Kinsela Avatar Kieran Kinsela
    08/27/2024

    Paul and Michael are brilliant. Fast and knowledgeable but also honest. I recommend the business highly.

    richard kew Avatar richard kew
    08/17/2024

    Very professional company. They really looked after me.

    Brie Stevens Avatar Brie Stevens
    08/17/2024
  • Great Company, Highly recommended

    Precision Precast Avatar Precision Precast
    08/17/2024

    I would highly recommend the team at Option Wealth to anyone wanting great property.

    A Stevens Avatar A Stevens
    08/17/2024

    I am thrilled to share my experience with Option Wealth. Raf and his team have been instrumental in the remarkable growth of our SMSF over the past four years. Their expertise and dedication have not only met but exceeded our expectations, enabling us to achieve significant investment milestones. We're now excited to be purchasing our second property with Option Wealth, a testament to the successful strategies and support we've received. If you’re looking to enhance your investment portfolio, I highly recommend reaching out to Raf and his team. Their guidance has truly made a difference for us, and I’m confident they can do the same for others. Steve & Danni

    steve jones Avatar steve jones
    08/15/2024

    Raphael and the extended Option team have been great (and very patient!) with us. There down to earth and honest approach made the whole process easy to understand, which as first time investors was fantastic! Our interactions with the financial and property management teams has been nothing short of seamless with help every step of the way. I would gladly recommend Option to any investor.

    Tara Stewart Avatar Tara Stewart
    08/09/2024
  • I recently had the pleasure of working with Option Wealth and I would like to praise them for their exceptional service. Each question I had was answered thoroughly. I felt genuinely cared for throughout the entire process. They took the time to understand my unique situation. Their dedication in making my experience so positive and rewarding, is a credit to Option Wealth!

    Wendy schober Avatar Wendy schober
    08/09/2024

    Working with Paul and Cass has been the absolute best decision I’ve ever made. I never would’ve found such a brilliant investment property without Paul. It has nearly doubled in value in 3 years! I have since returned for super, refinance and financial planning advice. Paul is always honest and direct with his advice. I could not be happier or recommend them more.

    Julie Ott Avatar Julie Ott
    08/09/2024

    Absolutely amazing service and very thorough information, my whole experience was easy and very pleasant

    Kellie Lyons Avatar Kellie Lyons
    08/09/2024

    We appreciate the friendly welcome every time we are in contact with anyone from Option Wealth. All finacial conversations have been professional and easy to understand from start to finish. Thank you to Raph, Simon and the rest of the team. We can't wait to see what the future may hold.

    Darren Orazi Avatar Darren Orazi
    08/09/2024
  • Option have great for myself and my family Raphael have support us for the last 5 years. We have just bought our third house in 5 years Michael has been great getting us cash back for our loans Option realty have always had house tenants from day one Finding good tenants at a good rent I would highly recommend the team At option Gavin

    Gavin Jensen Avatar Gavin Jensen
    08/09/2024

    Raphael has been taking care of us for 10 years now. He is professional, honest and really takes time to get to know his clients and their needs. We now have 3 investment properties which generate great rental income and have seen outstanding capital growth. He, and his team, help every step of the way with great knowledge of areas to invest and managing the investment process right through to property management of the investment. A special mention to Michael from the financial team and Cassandra Stephanie from the property management team. I feel comfortable to recommend Option to any investor.

    John Good Avatar John Good
    08/09/2024

    Option Wealth are a fantastic company, they treat you with care & respect. Definately will have a big impact in your life. 5/5

    Chris Lancuba Avatar Chris Lancuba
    08/09/2024

    Very professional and helpful. Would recommend this company.

    Bernie Jarvis Avatar Bernie Jarvis
    08/09/2024

Lets get you started

Take a step forward with Option Financial

Is option right for you
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On average, our clients save significantly by reviewing and refinancing their mortgages with us. Let us help you do the same.

Is Option Financial Right for You?
Is your mortgage taking forever to pay off?

And are you concerned about keeping up with your other personal debts?

Do you feel like you're handing over too much money to the tax man?

But you're not sure how to keep more of that hard-earned cash in your pocket?

Are you interested in investing your money wisely?

But you don't know where to start or who to trust?

Is thinking about your retirement funds stressing you out?

And you're uncertain how to keep your lifestyle sustainable?

Do you want to support your children and loved ones financially?

But you don’t want to compromise your own comfort or deplete your savings?

Are you ready to take full control of your finances?

So you can confidently face the future ....

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READ OUR 5 STAR REVIEWS FROM OUR CLIENTS

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If Raphael, Michael, Cassandra or anyone else on our team has made a positive impact on your journey, we’d love to hear about it.

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