SF Capital is a Sydney CBD brokerage at Level 12, 121 Castlereagh Street, with a deliberate niche: self-employed borrowers, business owners, and clients with complex financials. 196 Google reviews at a perfect 5.0 average. The site emphasises an eight-step "Finance MADE EASY" process and a Best Rate Guarantee.
Trading hours are weekday 9 AM – 6 PM (closed weekends). Unlike most Australian brokerages, SF Capital openly charges a fee on top of lender-paid commission — "a small fee based on the complexity of your scenario" — and frames it as the trade-off for specialist self-employed work. Lender panel covers home loans, commercial property, SMSF, alt-doc, construction, bridging, expat and private lending.
Three brokers dominate recent reviews. Tommy Lim is the most-named individual and clearly the senior face of the firm — clients describe "complex lending options" and SMSF and business loans as recurring file types. Priscilla Tan partners with Tommy on the majority of recent home-loan files, with multiple clients describing them as a working pair. Alexey Smith ("Alex" / "Alexey") rounds out the trio, often handling the execution-and-settlement leg of refinances.
What clients say: long-running, technical, and genuinely educational. One review describes an 18-month journey to settlement; another describes 4-5 years of mortgages, both personal and investment. First-home buyers and refinancers consistently mention being walked through tools — borrowing calculators, budgeting frameworks — rather than just handed an outcome. Strong fit for self-employed professionals, business owners, SMSF buyers, and complex refinancers. Less of a fit for borrowers wanting a free-of-charge service or weekend availability.
Recent verbatim reviews. See the firm's Google profile for the full set.
We had an outstanding experience working with Tommy Lim and Priscilla Tan at SF Capital, and honestly couldn't recommend them more highly. What we thought might be a straightforward process turned into an 18-month journey to secure finance and purchase our home.
Tommy and his team assisted us with our SMSF loan and truly went above and beyond. They handled all communication with our accountant, leaving us with only a few tasks to take care of, which was a huge relief.
It is now some 4-5 years since SF Capital have been taking care of my mortgage needs. We have worked on multiple mortgages, both personal and investment, in that time. Priscilla and Alexey have been fantastic to work with.
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