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
I met Stephen at a property we inspected and asked that he assist me with my finance as I was experiencing challenges dealing directly with my bank. We worked together on my finance requirements for almost 12 mths, running many different scenarios to sell properties, refinance, purchase an investment property or a new home. He was very patient, considerate about our situation and never ceased providing his professional service. Stephen found us a solution which met our needs, he worked relentlessly, demonstrating his expertise in the finance industry. I am looking forward to continue working with Stephen in the coming years and trust he has our best interest at heart. Lionel
I have been working with Fordable on my property investment strategy for the last few months. Having access to a broker who cares so much about his clients in invaluable. Through their service, I have been able to understand the lender options available to us and move forward with a purchase, all with close guidance and support. The level of service and time spent on our purchase is immensely appreciated. Thank you. Mr Puentes
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
Knowledgeable, effective and caring. Working with Stephen has been a pleasure. He is knowledgeable about the financial sector and has an ability to articulate complex terms in simple in understand language. Stephen provided guidance, kept me informed, supported me with the overwhelming amount of loan documentation I needed to complete and truly made the process more comfortable. Would recommend to anyone! Max
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
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
Associations & Institutions we work with  
MFAA
Virgin Money Home Loans
NAB Home Loans
Suncorp Home Loans
CBA Home Loans
Pepper Money Home Loans
Bankwest Home Loans
Newcastle Permanent
AMP Loans
Essentials Home Loans
Macquarie Home Loans
PICA
Connective
ING Home Loans
Citi Bank
St George Home Loans
ANZ Home Loans