No matter where you are on your property journey, FINAX will make the road smoother.

Lucia built FINAX on the back of a stellar 15-year career in the banking industry all the while amassing her personal wealth with property investment. Known for her flair for finding smarter solutions, it is no wonder Lucia has the reputation for surpassing the seemingly impossible and helping clients achieve their goals.

Betterment is at the core of FINAX’s business ethos. We don’t subscribe to the traditional boxed-in mortgage approach that hinders financial growth and personal ambition. Instead, we’re is driven by the desire to help you see the bigger picture to ultimately make better financial decisions.

Whether you’re a first-time homebuyer or a seasoned investor, we can help you build wealth and better manage your finances.

Full length rear view shot of young couple carrying cardboard box at new home. Young man and woman holding boxes and moving in new house.

First Home Buyers

First home buyers find that the most difficult parts of the mortgage process are understanding their finances and the type of mortgage plan that’s suitable for them. That’s where we come in. We’ll help you find the suitable solutions for your needs and provide clarity around the often overwhelming mortgage process.

First Time Property Investors​

You’ve built some equity and you want to know what you can do with it. You’ve come to the right place. We can help first time property investors get started on their investment journey by showing them how to leverage the equity from their home to buy an investment property. No cash savings required.

Seasoned Property Investors

You’ve been investing in property for a while now and you’ve been making great buys. Your portfolio value is growing and so are your dreams; however, when it comes to borrowing more money, you’re stuck. Seasoned property investors find that the most challenging part of property investment is serviceability. To help you overcome obstacles, our experts analyse your current structure and finances and guide you on the path forward.


When we buy a car, we know one of the first things we should do is protect it with insurance. It’s also a no brainer that we get cover when we purchase a house or maybe even household items, but we tend to forget the importance of protecting ourselves. If you were suddenly unable to pay for any of the above, what would you do?
Protecting ourselves also protects our loved ones, our lifestyle and our property purchasing power, but how much is too much or too little? If you are covered, are you over or under insured? Do you really understand what you’re paying for?

There are so many insurance options available out there that it can be hard to understand which one is right for you and how much you require. We can help . We’re here to guide your mortgage journey from start to finish. That means equipping you with the right insurance package to protect you and your property.

Between your dream and your current position, there is one step, commit to it, focusing your energy to make it happen.

Lucia Xiao, Finax Founder