About Fordable

We are the Mortgage Broking lifeguards of property and finance, assisting you navigate the waters of financial success.

About Fordable Mortgage Brokers

Fordable Definition: ‘A shallow place in a body of water where one can cross’
Our Interpretation: ‘Providing a safe option for your journey’

Fordable Property & Finance primary business is Mortgage Broking. We have Mortgage Brokers based in Newcastle and Sydney whilst also providing our Mortgage Broking services to clients across Australia. 

We support our clients to achieve their life goals, whether that be buying a home, buying an investment property, building a home or finance for their business.

Ultimately we love to work with clients who are motivated and driven to build a property portfolio that will support them in retirement... wealth creation and strategy to achieve The $6m Retirement Plan.

Our Finance Brokers offer a one stop shop for all your property and finance solutions. We assist our clients with:

  • Residential home loans
  • Investment property loans
  • Commercial property loans
  • Business loans
  • Boat financing
  • Car finance
  • Equipment finance
  • Personal Loans

We work with a team of solicitors, accountants, financial planners, buyers agents, and sales agents to ensure our clients have access to all the professional services needed to buy or sell a property.

Supporting our clients for the life of their property and financial journey is the foundation of our business.

Through our Mortgage Broking services, clients typically apply for a 30 year home loan. During this period Fordable Mortgage Brokers continually support their clients to provide an amazing experience, monitoring industry changes, educating clients on what home loan products are available to them and constantly keeping our clients best interest at heart. Our Mortgage Brokers strategise, plan, implement, review and work to achieve our clients lifetime goals and objectives.

Fordable holds a Credit Representative Number for our Finance & Mortgage Broking services operating under the Connective Credit Services Pty Ltd Australian Credit Licence (ACL) 389328. Fordable does not hold an Australian Financial Services (AFS) licence. It is our Financial Planning partners we work with whom provide the advice and they hold the appropriate licences and qualifications for their service.

Mortgage Broking, Financial and Property services we provide:

Mortgage Broking

Buyers agent services

Property sales agents

Financial planning services

Accounting services

Conveyancing solicitor (property contracts)

Property management agents

If you would like to connect with one of our representatives, please complete the contact us form and one of our team will get in contact with you to discuss your needs.

Stephen Ford

Founder & Managing Director, Fordable

Steph Ford is the Founder and Managing Director of Fordable Property & Finance, where he advises growth-focused professionals, executives, and business owners on using strategic property acquisition to build enduring wealth.

stephen ford mortgage broker

His investment journey began in 2004 with the purchase of a modest Sydney unit, guided by his father, a seasoned real estate professional. At the time, Steph saw property simply as ownership. It wasn’t until a decade later when he unlocked significant equity to expand his portfolio that he fully grasped the power of leverage, compounding growth, and strategic finance. That realisation transformed his approach from passive ownership to deliberate wealth architecture.

Over the following years, Steph expanded his portfolio across multiple states, navigating market cycles, development projects, and Self-Managed Super Fund investing. Experiencing both strong gains and underperforming assets gave him a balanced, long-term investor mindset grounded in risk management, patience, and disciplined decision-making.

By 2017, his growing portfolio had evolved into a structured strategy that would later become Fordable’s signature framework: the $6m Retirement Plan - a methodical approach to acquiring quality investment assets designed to produce financial freedom and lifestyle optionality.

Today, Steph works with ambitious clients who want more than a single property, they want a clear pathway to scalable wealth. His role extends beyond arranging finance; he acts as a strategic partner, helping clients align lending structures with long-term portfolio growth and legacy planning.

Steph believes property, when approached with clarity and strategy, is one of the most powerful vehicles for generational wealth creation.

Contact Steph now

Client Testimonials

I have worked with Stephen for several years now and he is, and always will be our go to finance broker for everything. He has helped us out many times, always going above and beyond the regular service. Highly recommend him to everyone. Rick
Had a fantastic experience with Steve and the team! Really helpful and great to deal with. Mr Willis
Stephen is always great to deal with and provides a level of customer services that goes above and beyond. His advice is always excellent - considered, carefully tailored to evolving circumstances, and accurate. Highly recommend. Emma
A trusted friend of mine shared his recent experience with Stephen so I reached out to ask if he could assist me too and sure enough, I was able to secure a 0.80% reduction in interest rates across my home loans. Stephen was willing to provide this service for the benefit of me saving money. Thank you Stephen for making this such an easy process for me. Kieran
A little while ago, Stephen introduced me to Stuart whom I met with and proceeded to engage as my financial planner. Stuart was very helpful, he has educated me, explained my finances in a way I can understand them and has given me the confidence of knowing how to move forward. I am very thankful to Stephen for the introduction. Paul
Stephen was recommended to me when I was inspecting a property and after our initial conversations, I wasn’t completely sold on using a broker. I approached a lender directly and realised home loan applications are not as straight forward as they have been in the past. Stephen stayed in touch and thankfully I decided to proceed with his service. After my initial experience with the lender I lost some confidence that I would be approved for a home loan however Stephen assisted me to find a lender who would accept my circumstances, I purchased a property and am now living in my own home. The hurdles and challenges Stephen worked through clearly didn’t present an issue and I am thankful for his persistence to assist me buy a home. Paul
The experience, the quality and thoroughness, the tailored service and that "extra-mile" when you really need it; all of the aforementioned were sublimely outstanding. My wife and I are SO happy with our decision to go with Fordable. We had Steve as our go to guy and he was just brilliant. He came to meet us around our schedules: during this process we realised just how little time we actually have together. I can't imagine how we could have achieved this without him, and equally, I can't recommend him and the company enough, I really can't! It should read: "Fordable: Deliverers of Dreams!" My wife and I are now sitting in our new aaaamazing home, not paying someone else's mortgage and I didn't have to sell my motorcycles! Seriously. This. Guy. Matt
Associations & Institutions we work with  
Macquarie Home Loans
PICA
Essentials Home Loans
CBA Home Loans
Pepper Money Home Loans
Suncorp Home Loans
Connective
ING Home Loans
MFAA
St George Home Loans
NAB Home Loans
Citi Bank
Bankwest Home Loans
Newcastle Permanent
ANZ Home Loans
AMP Loans
Virgin Money Home Loans