Home Loans, Refinancing, And Investment Finance Made Simple.

Buy your first home with confidence. Refinance to save thousands. Unlock equity to grow your property portfolio.

With Croft Money, you get clear strategies, real support, and finance that works for your goals.

Who We Work With

Helping Australians buy smarter, save money, and invest in property. 

At Croft Money, our clients are ready to take their next property step - whether that’s

buying their first home, restructuring their loan, or using equity to invest.

Here’s How We Help

Property Owners & Investors

Where You Are Now

You’ve worked hard to buy your home and built up equity – but you’re unsure how to use it to invest. Maybe you’ve thought about property investing but don’t know where to start, or you’ve had advice that left you more confused than confident.

What You Want

A clear, practical way to grow your wealth through property without unnecessary risk or guesswork.

How We Help

We show you how to unlock equity safely, structure your loans correctly, and use proven strategies to start or expand your investment portfolio. With us, you’ll know exactly what’s possible – and have a team guiding you every step of the way.

First Home Buyers

Where You Are Now

You’re dreaming of your first home but unsure how to start – deposits, approvals, and loan options can feel overwhelming without clear guidance.

What You Want

Clarity, confidence, and a simple plan to secure your first property without costly mistakes or missed opportunities.

How We Help

We’ll walk you through every step, from savings strategies and loan pre-approval to property selection and settlement. You’ll move forward with confidence and support.

Refinancers & Restructures

Where You Are Now

You have an existing mortgage but feel like you're not getting the best deal or leveraging your equity effectively.

What You Want

A smarter loan structure that reduces costs, increases flexibility, enhances your cash flow, and supports your evolving financial goals.

How We Help

We assess your current situation, compare lenders, and guide you through a refinance or restructure that reduces costs and improves your cash flow, giving you greater financial freedom.

No matter where you’re starting from - first home, next home, or investment portfolio - Croft Money makes the process simple, clear, and designed to move you forward financially.

Property Wealth Calculator

Property Wealth Calculator (Australia)

Property & Growth

Purchase price (AUD) Years to forecast 10 Annual capital growth (%) 3%

Rental assumptions

Gross rental yield (%) 4.5% Annual rent increase (%) 2% Annual operating expenses (AUD)

Loan (optional)

Include loan Loan amount (AUD) Interest rate (%) 5.5% Loan term (years) 30

Tax settings

Marginal tax rate (%) 37% Depreciation (annual AUD) Apply negative gearing

Projected value

$0

Capital gain: $0

Cumulative rental

$0

Net cashflow: $0

Tax & equity

$0

Equity at end: $0

Year-by-year breakdown

Year	Annual Rent	Expenses	Interest	Principal	Depreciation	Taxable	Tax Saving	Net Cashflow

This is a simplified model for Australian property investing. Not financial advice.

Why Croft Money?

At Croft Money, You Don’t Just Get A Loan 

You Get a Strategy For Long-Term Financial Success.

Real Investor Experience

Susan has personally built a multi-property portfolio and shares the same strategies with clients.

Proven Track Record

More than 8000 plus clients, $1.2 Billion in loans settled, 20 years of experience across first homes, refinances, and investments.

Dedicated Team

Brokers and support staff ensure every client is looked after.

30+ Lender Panel

We compare across a wide market to secure deals others miss.

Clear & Efficient

No jargon. No delays. Just results that move you forward.

High Success Rate

98% of clients achieve loan approval with us.

+ Years of Experience

Helping Australians since 2003 with over 8000+ clients supported and $1.2 Billion loans settled

+ Years of Experience

Helping Australians since 2003 with over 8000+ clients supported.

Client Stories

"Working with Susan made buying our first home surprisingly easy. What felt stressful at first turned into confidence and clarity — now we’re even thinking about our first investment property."

Kirsty Waddingham★★★★★

“Susan made buying our first home feel simple. We went from feeling overwhelmed to feeling in control - and now we’re planning our first investment property.”`

Kurt Weatherson★★★★★

"Susan guided us through buying our first home with such ease. What started as overwhelming quickly became exciting and manageable — now we’re even exploring our first investment property."

Kirk Waderson★★★★★

"Thanks to Susan, purchasing our first home was straightforward and stress-free. We went from feeling unsure to confident, and now we’re planning our first investment property."

Robert Anderson★★★★★

About Croft Money

You’ve worked hard for your money. Now it’s time to make sure it works just as hard for you.

I’m Susan Croft, and I started Croft Money to help Australians move forward financially through smarter property decisions.

I began in banking in 2003, moved into mortgage broking in 2006, and over the last 20 years I’ve helped thousands of clients buy homes, refinance, and grow investment portfolios. Along the way, I’ve also built my own property portfolio using simple, practical strategies - the same ones I share with my clients.

At Croft Money, you’re not just working with me. You’ll have the support of my team of brokers and assistants who make sure you’re looked after every step of the way.

Whether it’s your first home, your next home, or an investment strategy, you’ll have clear advice, real support, and a path forward.

Services

Finance solutions tailored to your property goals.

Property Investment Loans

You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build a smart investment portfolio with the right structures and strategies.

First Home Loans

We take the stress out of buying your first home. From loan comparisons to paperwork, we guide you through it all - so you feel confident, supported, and excited, not overwhelmed.

Refinancing & Restructuring

Make sure your loan is working as hard as you are. We compare across 30+ lenders to lower your repayments, restructure debt, or fund renovations that grow your property’s value.

Property Investment Loans

You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build a smart investment portfolio with the right structures and strategies.

Start Your Investment Journey →

First Home Loans

We take the stress out of buying your first home. From loan comparisons to paperwork, we guide you through it all - so you feel confident, supported, and excited, not overwhelmed.

Book Your First Home Call →

Refinancing & Restructuring

Make sure your loan is working as hard as you are. We compare across 30+ lenders to lower your repayments, restructure debt, or fund renovations that grow your property’s value.

Book Your Loan Review →

Construction Loans

We provide tailored construction loan support with stage draw setup, builder–lender coordination, and milestone management to keep your project funded on time and on budget.

Book Your FIFO Strategy Call →

Other Services

• Construction Loans

• Business Loans

• Debt Consolidation

Personal Loans

Car Loans

Equipment Loans

Pool Loans

Asset Finance

Debt Consolidation

Business Loans

Construction Loans

Services

Finance solutions tailored to your property goals.

Property Investment Loans

You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build a smart investment portfolio with the right structures and strategies.

First Home Loans

We take the stress out of buying your first home. From loan comparisons to paperwork, we guide you through it all - so you feel confident, supported, and excited, not overwhelmed.

Refinancing & Restructuring

Make sure your loan is working as hard as you are. We compare across 30+ lenders to lower your repayments, restructure debt, or fund renovations that grow your property’s value.

Other Services

Construction loans
Business loans
Debt consolidation

Croft Money

How It Works

Book Your Call

Tell us your goals and situation.

We Do The Work

Compare 30+ lenders and build the right strategy.

Get Approved

We handle the paperwork and approvals.

Move Forward

You get the keys, free up cash, or grow your portfolio.

Our Customers

Talk About IT

Better Than Us

Success Stories

See your whole financial picture in one place, alongside a smarter approach to investing and real human.

“We thought investing was out of reach - now we own our first investment property.”

★★★★★

Shivangi Shrivastava

Marketing Head

“Refinancing freed up thousands in cash flow each year.”

★★★★★

Kirsty Wadding

Founder

“Croft Money helped us buy our first home sooner than we thought possible.”

★★★★★

Anne

Project Lead

Durable and stylish. I bring it everywhere!

★★★★★

Michael Chen

Engineer

Cold water stayed icy even after 8 hours in the sun. Amazing!

★★★★★

Sara Lee

Designer

Latest Blogs

Learn some new info
from our latest News

Learn Some New Info From Our Latest News

The argument in favor of using filler text goes something like this: If you use real content in the design process, anytime you reach a review point you’ll end up reviewing and negotiating the content itself and not the design.

September 12, 2019

Admin

Strategy for Norway's Peion Fund Global.

You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build...

September 12, 2019

Admin

What we are capable of usually
gets discovered.

You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build...

September 12, 2019

Admin

Food industry leaders often
change their promoters.

You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build...

Ready to Take Your Next Financial Step?

We work with Australians who are financially ready - with stable income and either a deposit saved or equity in their property. If that’s you, let’s talk.