First home owners
Home purchasers
Home purchasers
Property investors
Property investors
Commercial loans
Commercial loans
Business loans
Business loans
Personal loans
Personal loans
Car loans
Car loans
Business banking & business overdrafts
Business banking & overdrafts

Ikaya Services

Home loans

We work with you to make sure you know your options and have enough information to select the loan that will best meet your needs today and tomorrow.

  • First home buyers

  • Upgraders

  • Downsizers

  • Construction loans

Investment loans

We have extensive experience in investment loans, for one time investors as well as those managing a portfolio of properties. We can discuss options of loan structures, use of equity and leveraging.

  • First time investors

  • Structuring of multiple loans

  • Leveraging equity


Finance is no longer a “set and forget” thing. We recommend reviewing  your loan every two to three years to ensure that you have all the features you need and are paying a competitive rate.

  • Loan review

  • Rate review

  • Debt consolidation

  • Releasing equity

General finance

If you need finance for motor vehicles, equipment or assets, for home or your business, it’s always good to keep all your lending under one roof, particularly if you’re using different lenders.

  • Personal

  • Commercial

  • Business

  • Vehicle

We tailor a solution to your needs

Why use a mortgage broker?

The question we tend to ask ourselves more often is “Why wouldn’t you use a mortgage broker?”

Everyday we’re talking to lenders, we know what they offer, what they don’t, what products they have, what promotions they’re running. We also know who is easy to deal with, who is fast, who is slow, who is competitive, who isn’t. We cut through all the marketing hype and see the facts, the history, the offering.

We know what documents you’ll need, what type of loan would suit your needs, we look at options from a whole range of lenders. We know how long things should take, which also means we know when to follow up and chase things.

We do the follow up and chasing for you – doing our very best to have what you need when you need it!

In our line of work, we’re also dealing with conveyancers, solicitors, financial planners, insurance and investment property advisers – so we can easily recommend great people to you to help in these areas.

We save you time, stress and hopefully money too. Haven’t you got enough to do? Haven’t you got a house to buy?

Let us arrange pre-approval for you!

Why secure pre-approval?

  • Peace of mind – you have a great indication of how much you have to spend, and that a lender is willing to give it to you.

  • Ahead of the pack – with the confidence of a pre-approval, you can seize the opportunity and take action when you find the right property.

  • Ability to negotiate – knowing that you have been pre-approved can sometimes help you negotiate a better price as you’re ready to go ahead with the purchase, and that can be really attractive to some vendors.

  • Security to bid at auctions – under the conditions of a cash contract, a pre-approval allows you to bid at auction for the property of your choice.


As first home buyers and newbies to the Australian property market, Janine and her team guided us through the application process with ease. Our concerns and fears of the unknown were put to rest and any questions we had were dealt with in an extremely professional and friendly manner. Janine and the rest of the team made this an exceptional experience and I, for one, cannot wait to do business with Ikaya again in the near future.

Darren, Sydney, NSW

It is with great pleasure that I am able to write a few words about kava and its founder Janine.

I was recommended to Ikaya by one of my closest trends who described Janine as “amazing” Personally I think that this Is an understatement as she Is amazing and a pocket rocket. Janine made the whole process so incredibly easy.

All steps of the process were easy due to Janine’s ability to understand what the client’s needs are and also what is required to deliver. She personally assisted with the completion of forms and documentation issues, was able to deliver on timing and has provided excellent follow up service, in particular around views on the market, interest rates etc. She made the whole process easy and seamless.

I have recommended Janine to a number of my other friends and colleagues who have expressed the same satisfaction with her professionalism and easy manner. Suffice it to say, I would not go elsewhere for any of my lending needs.

Joanne, Sydney, NSW

When planning to get back into the Sydney property market two and half years ago I spoke with a number of brokers and was immediately impressed by Janine’s friendliness, professionalism and can-do attitude.

Since buying back in 2015 I have picked up $300,000 equity in my Bellevue Hill apartment, allowing me to borrow to renovate, as well as buy my first investment property.

Janine takes an active and personal interest in helping me achieve my goals, is careful to locate the best product for my purposes, and is prompt and thorough in everything she does.

I would not have been able to do so well without Janine and Emma at Ikaya and can’t recommend them more highly.

Tim, Sydney, NSW

I have just completed the home loan process with Janine Wade and her team. I must say it was all handled very professionally. Never did I feel, even though I was out of state, I was not being looked after.

Janine and Emma were always on top of everything, dealing with any questions we might have very quickly. The service that I received was very personal and extremely friendly. But most of all I feel that Janine went over and above to get us the best possible home loan.

I would not hesitate in recommending Janine and her team in the future, and next time I’m looking for a loan I will definitely contact them first.

Belinda & Brenton, Adelaide, SA

We would like to thank you and our team all so very much for all your hard work. You have always made us feel that we are number 1 on the list. Your personal but very professional approach is greatly appreciated.

The gift that was sent just shows your thoughtfulness and personal touch which will always be remembered.

Thank you Janine so much.

Brett, Sydney, NSW

I just want to say thank you so much for everything you have done in regard to the many times I have dealt with you from my personal loan to my car loan and now my home loan. I cannot express how grateful and appreciative I am for your service, the constant follow-ups and ensuring the loan application went smoothly. You made me feel like I was your only client, I felt like I was a top priority, and you also made me feel like a human with your general catch ups. I am very happy that I met you and I wouldn’t take my service anywhere else.

I would definitely recommend you to my friends and family. Again, thank you so much for everything you (Ikaya) have done and looking forward to dealing with you in the future.

Ann, Sydney, NSW

I was so surprised today to receive your lovely gift. Ian & I thank you so much for all your assistance.

You make the process seem effortless and we appreciate your hard work. We both feel like we should be giving you a gift!

Julieanne & Ian, Sydney, NSW

Very professional and personable outfit. Will definitely use Ikaya again in the future.


What a fabulous team. Their assistance and professionalism was excellent in helping me find the best deal. Their knowledge and dedication is at the highest level. We thank you for all your support and service. I highly highly recommend them to everyone!


We highly recommend the Ikaya team. This is the second time that we have used Ikaya for a home loan and we had no hesitation in returning. In the covid 19 market Janine, Alicia and Emma persisted in finding us the best loan to suit our needs.The communication is second to none, as is their professionalism and they are all so easy to approach. You can’t go past the friendly team of Janine, Alicia and Emma. Thanks team.

Linda & Ken

Janine worked endlessly to get us our loan. She’s very knowledgeable and gave us great unbiased advice.

Hannah & Scott

Janine was fantastic to converse with and made sure she knew my situation and I understood the loan she recommended and organised for us. Janine and her team answered every question promptly and in a way we could understand. Such a relief to be with brokers who are so conscientious and efficient. Thank you Ikaya.


Janine and her team went above and beyond in getting us the best deal possible.
If you need a broker, contact Ikaya you won’t be disappointed.

Mark & Jenene

The Ikaya team are not only very responsive but also diligent and consistent in pursuing the best offer for their clients. I’m a kind of difficult case and the team went through ups and downs but in the end, came through with a very good deal which suited my personal needs and objectives well. A big THANK YOU. Recommended.


Ikaya managed our mortgage for our first home. It wasn’t a straightforward application, and Janine and the team did an incredible job of finding us the right mortgage – and navigating each step of the process. They consistently went above and far beyond, and kept us updated throughout. Despite the complicated application, the process felt extremely easy for us. We could not recommend them more.


Thank you Janine for making it feel effortless to get our loan for a commercial property. We couldn’t have done it without you. You are truly amazing.

Dave & Lyn, North Manly

Thank you so much for your help Janine. You made refinancing my home loan a breeze! I would highly recommend Ikaya.


Professional, prompt and informative. We can’t thank Janine and her team enough for guiding us with our first home purchase. What was a blur of information, options and opinions were simplified into an easy step-by-step process that has got us on the ladder with a property we are really pleased with. Thank you again, Janine, more than happy to recommend you to all.

Dan & Kate

Thanks again to Janine, Tania & the Ikaya team. The market has moved significantly in the last four years to it was great to get a call from Janine to initiate a review of our facilities. To see our outgoing reduce and take advantage of the lower interest rates was a great result. Cheers

Dan & Kate

Couldn’t have asked for a more professional service. We were relieved to have someone lead us through the process and so quickly. Would highly recommend to anyone and everyone!


Janine and her team are fantastic to work with. Janine took the time to understand our needs and took everything into account when we were looking for a home loan to buy our first investment property (construction and land purchase), and a 2nd loan to refinance our existing home. Janine made sure that she found the best product to suit our needs and was in constant touch with us throughout the application and approval process. We really enjoyed the personal touch of receiving a phone call rather than an email to congratulate us on our loan being approved and even getting a phone call to congratulate us on our land settling. I highly recommend Janine for any finance requirements you have.


A big massive thank you Janine and the team at Ikaya for helping Jay and I with our new house. Thank you for making everything up until now such a smooth process.


Our Lenders

With over 45 lenders, we can help you select the right investing, refinancing or home loan solution.

Bank SA
Bank of Melbourne
Bank of Queensland
Commonwealth Bank
Heritage Bank
Liberty Financial
MKM Capital
P&N Bank
Rock Building Society
St George
Wide Bay Australia

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