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Panda Financial

Panda Financial

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We’ll get you the best
deal every time.


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The Panda difference


Top service

We’re with you every step of the way to make the process as easy as possible.

More choice

We have access to 30+ lenders for you to choose from.

Financial planning

If you want to build a portfolio, we’ll design a strategy to suit your investment needs and goals.

Specialty loans

Ask about our specialty loans, including expat loans and Islamic financing.

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Our process


  1. Speak to us
    Tell us about your financial situation and goals.
  2. Provide your documentations
    Upload all required documents safely and conveniently to our portal.
  3. Product selection
    Decide which product is best for you from our shortlisted suitable options.
  4. Loan submission
    We will submit your loan application for Preapproval so that you can commence your home purchase with confidence.
  5. Settlement
    Once you have found a place, we will walk you through the next steps for a smooth journey to settlement
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What our customers say

Albert NguyenAlbert Nguyen
00:33 30 Nov 23
Chris was extremely helpful and knowledgeable. We were looking to refinance and he took his time to explain the process, provided great advice what suited us best in the current market. I highly recommend Chris & the team and we are very happy with the service!
Chris ModowskiChris Modowski
06:46 15 Nov 23
Chris at Panda Financial helped us buy our first property, and he made what can be a stressful process seamless and easy. In particular, Chris has been in touch regularly to make sure we have the best rate we can during tough times. Thank you for everything Chris and Panda Financial!
M SM S
09:02 14 Nov 23
Very efficient transaction and very helpful. We are 1st home buyers and we didn't stress. Highly recommended.
Diana HensonDiana Henson
05:52 23 Oct 23
Working with Chris for our refinancing was a fantastic experience. Chris communicated promptly, and answered all our questions. Our loan wasn’t straight forward and we had a few hiccups along the way with the bank. His expertise, patience and dedication made the process seamless and stress-free. I even had an issue with the bank a month after our loan had settled. Chris got in contact with our bank immediately and sorted the problem out. Thank you Chris! If you need a broker who genuinely cares, I highly recommend Chris!
Marini LogartaMarini Logarta
11:58 12 Sep 23
Chris went above and beyond for our refinance that encountered unexpected hurdles along the way. Throughout the whole process I felt we were kept up to date with the progress and Chris was easy to reach and proactive at all times. Would highly recommend Chris to anyone looking for a broker who will look out for your interests first and foremost.
ardian goodmanardian goodman
10:32 28 Jun 23
Exceptional Service from Chris and his team! Despite the hurdles presented by the banks during the process, Chris effortlessly navigated through them. Chris consistently prioritized our best interests and maintained clear, concise, and highly responsive communication throughout. Without hesitation, we will recommend Chris & Panda Financial to anyone seeking mortgage brokering services. Our heartfelt appreciation goes to them for their unwavering support and dedication throughout our search for our new home!
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David HuaDavid Hua
00:46 22 Feb 24
I highly recommend Juan as an experienced and responsive mortgage broker. His expertise and promptness made the process smooth and efficient. Juan's effective negotiation skills resulted in a significant rate reduction that greatly benefited my mortgage. Thank you, Juan, for your outstanding service and commitment to my financial well-being.
Ryan OnRyan On
00:04 20 Feb 24
experienced ,friendly and easy to communicate with .Juan , you have made my loan process so much easier .highly recommended !
Devdatta AndradesDevdatta Andrades
11:09 13 Feb 24
Highly recommended! Juan is very patient and knowledgeable in explaining the complex financial procedures.
Wendy LeWendy Le
06:00 13 Feb 24
My husband and I would give more stars if we could! We both have low financial competency, however Juan made our refinance such a smooth process. He patiently explained answered all our questions in a timely and flexible way, and it's no doubt that he is an expert at what he does because he really cares about his clients. He even instigated a face-face meeting to get to know us, and will check in with us along our refinance journey. Highly recommend his service to anyone!
Sandy WSandy W
07:11 12 Feb 24
Juan is very knowledgable and helped me to get the best deal. He made the daunting process of getting a home loan much easier and I couldn't recommend anyone better!
SachaSacha
04:24 05 Feb 24
Juan was a pleasure to deal with. Always very responsive and professional. He took the time to clearly explain every step of our new mortgage and settlement and answer all our questions. Thanks again.
Sharon ChanSharon Chan
00:52 01 Feb 24
Panda financial had helped me purchase a property a few years ago, when I had no idea what I was doing. I was referred by a friend to Juan and things went very well. The buying process was not as daunting as it seemed. Juan and his associates helped me through every step, explained everything I needed to know and outlined the whole buying a property process to me. They tailored the home loan search to what I was looking for and gave me a choice from the top 3 or 4 loans. If I needed anything or was not clear on something, they would help. During the application process, they would check to see things were proceeding correctly and things were on track to settlement. If things are needed to be chased up, they will do it promptly and get things escalated by the bank to expedited the process. I have found the mortgage application process through Panda Financials to be very smooth and I will definately use them again if and when I require another home loan. I highly recommend them to all my family friends and colleagues.
Alwin KukAlwin Kuk
08:29 30 Jan 24
Juan is an awesome broker. He helped my wife and I buy our first home as well as our following investment property 2 years later. It is insane how many questions you have during this time. The fear of putting yourself into the largest debt of your life, the uncertainty of the overall process, the thought of unexpected additional costs, whether or not the property even worth the value are a few that spring to mind.We called Juan for literally everything and on more than one occasion we felt were so overwhelmingly annoying as most of the stuff was not even related to his role. Yet time and time again he was so happy to address our questions and concerns.Moving on to now (3 years later) we are still receiving calls every 6-12 months from Juan offering us more competitive interest rates...This guy is an absolute legend. I recommend him to everyone and personally will continue to use him in the future.
Jonathan LinJonathan Lin
00:39 29 Jan 24
Over the last 8 years, I have really benefitted from Juan’s financial services at Panda Financial. He has the best customer service I have ever encountered and will go out of his way to help you. He is not attached to any bank so he will listen to your situationand get you the options to choose the best products on the market to suit your needs. His experience really shines through and I recommend him to anyone who asks about lending.5 star Customer Service5 star Knowledge5 star Professionalism5 Star CareWe have developed an ongoing relationship, I would highly recommend Juan to all my friends and family for any banking or financial needs. 🙂
Jenny TranJenny Tran
22:08 19 Jan 24
I had an exceptional time working together with Juan to help us through the process of our first home buying experience. Juan's expertise and efficiency were evident as he helped us secure a loan in record time. I appreciate Juan's dedication to ensuring a smooth process and highly recommend their services for anyone seeking a reliable and efficient mortgage solution. He was responsive, helpful and acted with integrity. Hope to do more business with you in the future!
Matthew McPhersonMatthew McPherson
22:01 19 Jan 24
Juan was an expert in his field and helped us get our first home loan with ease. He was very knowledgeable and assisted us in getting the best out of our situation and didn't hesitate to answer all our questions. I would highly recommend his services to anyone wanting a great professional experience with honesty and integrity. Thankyou for all your help with our first home and hopefully when we gain more equity we will reach out to you again! A++++ service. Highly recommended and amazing work Juan.
Jimmy LuoJimmy Luo
00:29 19 Jan 24
Juan has been my mortgage broker for close to 15 years and I could not recommend him more. Very knowledgeable, attentive, responsive and upfront about what is or isn't possible. And you can tell that he genuinely cares and is trying to do what is best for the client. He was even taking calls and dealing with my loan while on holidays overseas. I strongly recommend him to anyone that ever asks me for a mortgage broker.
MandyMandy
23:33 18 Jan 24
Juan is an amazing mortgage broker who made my home financing experience seamless. He communicated effectively, listened to my needs, and provided clear explanations. Juan is able to personalise options that fit my financial situation perfectly. Juan's honesty and transparency made me feel valued as a client. Thanks to his exceptional service, I am now happily settled in my dream home. I highly recommend Juan as he made my home loan experience smooth and stress-free.
CindyCindy
10:10 18 Jan 24
Juan helped me with the refinancing of my mortgage. Juan is very thorough in explaining all the components involved. He helped me with comparing different options available based on my financial needs. The transaction was completed efficiently and in a shorter timeframe as expected. I am very happy with the service Panda Financial has provided.
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Credit Representative Number: 409380 and 493234