I am Anthony. I read the numbers most people sign without reading.
Olive Branch Capital is a NSW-based mortgage brokerage that combines lending expertise with financial-analysis thinking. Rather than presenting loans in isolation, the firm assesses cash flow, margins and profitability so clients see how Home loans, Refinance or Business lending fit into their broader finances and goals.
Serving Parramatta and surrounding areas, the brokerage supports First home buyers, property investors, small business owners and builders. The team provides clear options, straightforward communication and pragmatic loan structures, guiding clients from Pre approval through to settlement with a focus on transparency and active lender engagement.
I am Anthony Geagea. I read the numbers most people sign without reading.
I came to broking from advisory. Before I ever arranged a loan, I spent years sitting across the table from business owners, going through the numbers that decide whether a business survives the year, cash flow, margins, what is actually left at the end. When you have had those conversations, the ones where the numbers are the difference between a good year and a bad one, you stop seeing a loan as paperwork. You start seeing it as one of the heavy decisions a person takes, and how often they make it without ever really reading it, or fully understanding it.
That is the part that gets me. Most people sign the largest commitment of their life, their home, their business, their next financial move, on trust, because nobody ever explained the numbers plainly. A bank hands you a product. I give OPTIONS. I read your whole situation first, your home, your business, your assets, and I explain it until it makes sense to you, not just to me. You should never sign something you do not understand.
Getting the detail right is where the advisory background earns its keep, and it is how I make sure you get a result that actually fits long term, not just an approval.
Home loans are only part of what I do, Commercial and business finance sit right alongside them, along with construction and asset finance, so whether you are buying your first home, refinancing, investing, or funding a business or a build, it is the same approach. Clear options, honest answers, and a loan structured around you.
And it does not end at settlement because there is an old proverb that say
“if you want to go fast, go alone, if you want to go far, go together.”
In addition to offering competitive rates, we pride ourselves on being available to help with whatever questions you have throughout the life of your loan. We don’t discriminate against first-time buyers or experienced investors – no matter who you are, we’re committed to being there when you need.
What does a broker do?
A broker is a finance professional who will work with you one-on-one to discuss your borrowing goals and help you determine how much money you can qualify for. They typically provide a more personalised level of service than you would receive from a lender and also have access to loans from multiple lenders, so they can find the best loan terms for your unique situation.
Do you charge fees for home or investment loans?
There are no extra loan repayments or fees when you take out a loan through a broker. A broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.
Is it more expensive to use a broker?
Using a broker is free for you because the lender pays your broker. With access to hundreds of loan products from various lenders, brokers will find the ideal loan for you and your circumstances. In most instances, this is a combination of the lowest available rate at the time and product features that are most convenient for you.
Some brokers charge service fees, which must be disclosed before they provide their services.
How much can I borrow?
While our borrowing calculator can give you a decent idea of how much money you may be able to take out, for a more precise assessment, please get in touch with our team. We can then go through your options with you and chat about your circumstances in further detail.
Should I go for a fixed or variable rate?
Just as the name suggests, variable-rate home loans have interest rates that change over time. They are often more flexible than other types of loans, with features like redraw facility and extra payment options. However, they do not have fixed repayment amounts.
On the other hand, fixed-rate home loans come with predictable monthly repayments – you will know exactly how much you need to pay each month for the entire duration of the loan term. These kinds of loans might not be as flexible in terms of features but offer borrowers peace of mind when budgeting repayments.
In choosing which type of loan is right for you, it’s good to weigh up what’s most important to you – whether that’s flexibility or certainty around your monthly repayments.
Which lenders do you work with?
Because we are connected to a mortgage aggregator, we have the privilege of being able to source loan options from over 50 different lenders. This means that we can help you find multiple suitable options for you and your specific situation.
Although we service clients Australia wide, we offer specialised support in areas across Parramatta with lender access, home loan help and finance options tailored to our local community.
