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

Residential home loans for investment or owner occupied
Commercial loans (over $1M)
Business loans (under $1M)
SMSF loans
Boat Financing
Equipment & asset finance

Buyers agent services

Property buyers agent
Buyers agent advice

Property sales agents

Financial planning services

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

Stephen 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.

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, Stephen 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, Stephen 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, Stephen 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.

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

Contact Stephen now

Client Testimonials

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

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

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 have spent quality time sailing with Stephen over the years and when he moved into property and finance I asked him to review my finance application I had for a new purchase I was settling on. I was due to settle in a few weeks, I had a formal approval in place and when Stephen presented better rates (which was my priority), I asked if he would be able to get another formal approval in a short time and proceed to settlement which he was able to achieve. Stephen delivered on what he said he would, he continued to engage with me post settlement to ensure my experience with the lender was going well and I have recommended his services to others due to the positive experience I had. Geoff

In just two phone calls and a quick email cannot believe I was able to secure a 1.90% reduction in interest rates across my home loans just by completing a health check with you. This has given my family a significant amount of free cash flow! Thank you so much Stephen for making this happen, I wish we had this conversation a long time ago! Do not rely on the bank to call you and ask if you want to save money!!! To think I’ve been paying the lender so much more than needed for so many months!!! Very easy, very helpful, very happy, very recommended. Thanks again. Dave

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