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 want like to express my gratitude to Stephen Ford at Fordable Property & Finance. Stephen has assisted me closely and provided support throughout the entire buying process and until settlement. A dear friend recommended Stephen’s expertise when I was in the process of buying my first home in Victoria and unsure of how to go about with the process. The solicitor I had engaged was not responding, nor was she updating me with the progress of my purchase. Stephen recommended Tamara Warner, who assisted me promptly, and through to settlement. Stephen has become a family friend during this period and someone I can rely on with all of my property and financial concerns. I definitely recommend Fordable Property & Finance to anyone who is interested in property and financial advise. Thank you Stephen Ford! Mr Singh
I recently enquired about car finance with Fordable and was very thankful for their service. I ended up with a great deal, I received ongoing updates on my finance throughout the process and know that my best interests were their priority. Would definitely recommend this business as their service is exactly as they suggest – client first! Mr Darragh
We met Stephen through some mutual friends and when we discovered he was able to assist us with our finance we were eager to see what savings he could achieve for us. He worked on finding a solution for us over 12mths, keeping us notified of options periodically as interest rates dropped throughout 2019. Stephen was so dedicated to finding us a solution, we never had to chase him for an update, and in the end we secured a 1.05% reduction in our interest rate. We are very thankful for his efforts and trust our finance will be taken care of with Stephen moving forward. Thank you!! Chris and Laura
Stephen assisted us when the interest rates on our home loans were no longer competitive. He was able to find a solution for us, even though I was on maternity leave. He was able to get us some equity to finish off some renovations, secure competitive interest rates, restructure our lending to remove a guarantor and even placed us with a lender who provided us with a cash back offer so the transaction came at no cost to us. Ticked every box needed and very much looking forward to revisiting my finance with Stephen in the near future. Mrs Jeffress
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
I was introduced to Stephen through a trusted advisor and we are very happy with the outcome. Stephen listened to our needs, worked on a solution for us and as a result put us in a position where we have been able to save a healthy amount of money through good planning and execution. Looking forward to working with Stephen on our personal and business requirements moving forward. Michelle
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
Associations & Institutions we work with  
NAB Home Loans
Citi Bank
Bankwest Home Loans
Virgin Money Home Loans
St George Home Loans
MFAA
CBA Home Loans
Newcastle Permanent
Macquarie Home Loans
Connective
AMP Loans
Suncorp Home Loans
PICA
ANZ Home Loans
Essentials Home Loans
Pepper Money Home Loans
ING Home Loans