What our clients are saying

Matt and Emily made buying my first house a Highly Professional and most importantly Hassle Free experience! Highly recommend Sugar Financial Services for all your Home and Financial needs!

Brad Lepe - Matt Client, 11/01/2021

We used James as our mortgage broker to purchase our first home. He presented us with several different options and compared a wide range of lenders to find the best fit for us. Nothing was too much hassle for James, fielding our countless phone calls and emails answering all our questions. After the first meeting we knew we were in good hands and the purchase of our house and establishment of the mortgage went smoothly. James is a true professional who genuinely has his clients best interests at heart, which is hard to find these days. I can’t recommend him highly enough, if you are looking at buying a house, give him a call.

Breanna Allen - James Client, 20/12/2020

James was absolutely amazing throughout the process of buying our house. He’s very friendly and patient, explained everything very clearly, we had a fantastic experience for buying our forever home. Definitely recommend him. Thanks so much James, you’ve made our family the happiest.

Kirsty Martinese - James client, 11/12/2020

Matt and Emily really went above and beyond to help us. A1 professional service would highly recommend Sugar Financial Services to anyone looking in the real estate market.

Georgie and Toby Fisher - Matt clients, 05/12/2020

James was highly recommended to me by a work colleague and his service did not disappoint! James is professional without overwhelming with technical jargon, efficient and his communication has been fantastic throughout the whole process. James really understood my needs and found a solution with the best possible outcome for me. Highly recommend James at Sugar Financial Services.

Tahnee Gardiner - James client, 04/12/2020

Matt and the team at Sugar Finance are to be commended on their knowledge and support they offer especially when it came to taking out a first home loan! Matt went above and beyond to ensure the whole process went smoothly and was a stress free experience. Whether it was being flexible to meet up at an out of hours time around my work schedule or simply to explain some unfamiliar terminology, he was only too happy to help. Matt ensured I understood each step of the process and was only a message away should a question arise whether it be about the loan itself or the house buying process.

Rhiley Aughey - Matt client, 13/10/2020

James did an absolutely amazing job assisting me with a complex application. He was so patient and helpful throughout the long and tedious process, I can’t thank him enough! Absolutely recommend his services, couldn’t have found a kinder person to help make everything easy. Thank you.

Ashleigh Watson - James client, 06/10/2020

I personally could not recommend James highly enough. His communication throughout the entire loan process was excellent. He was constantly moving between us, the vendor, and the banks to make sure everyone was on the same page, and fully aware of what was going on. As a testament to his quality of work, he actually managed to get us a home loan during COVID, which I can assure you was no easy feat. Finally, beyond all of that, he showed a level of genuine care that is uncommon in any industry. There was no doubt in my mind that he had nothing but my families best interest at heart.

Next time I am after a loan or looking to refinance, James will be the first person I speak too.

Hunter Bennett - James client, 30/09/2020

No matter what your financial goals are I couldn’t recommend Matthew and his team highly enough.

These are difficult times indeed given the current situation and every obstacle was overcome with ease.

Matthew is a clear and effective communicator and has worked closely with me to achieve the desired outcome.

Michael Karalis - Matt client, 21/08/2020

The effort put in to help us during a very unique time (COVID) and our challenging situation. We came up against some hurdles during our purchasing process and didn’t think it would be possible to buy a house but Matt and the team were very knowledgeable, supportive and kept things going for us.

Natalie Golan, 05/08/2020

Matt was incredibly patient with us and explained the borrowing process clearly and in detail.

He communicated quickly to any queries we had and consistently updated us with progress reports. Matt is honest and wants the best for his clients and their individual circumstances. Definitely recommend him to others and he came highly recommended to us.

Lisa Blackmore, 02/03/2020

Would definitely recommend sugar financial services to anyone I met, Matt was so helpful and made everything so easy for myself who was in the process of buying my first home. After being knocked back by other banks I decided to give these guys a go and made my dreams come true! Matt made miracles happen and I’m forever grateful! Would never go through anyone else from here on.

Francesca Carbone, 10/03/2020

We have been working with Matt for a year or two to sort out all of our finance needs. He is extremely helpful and has gone above and beyond to get the best result for us (even when it meant a lot of extra work for him). He always 100% puts the clients needs first and does whatever is needed to get the job done. We cannot recommend Matt and his team highly enough, will definitely continue to use in the future.

Linton Lee, 02/08/2019

We highly recommend Matt for any financial services and advice!

We found Matt to be a pleasant, extremely knowledgeable and approachable broker to guide us in securing our first home loan. The process was made a whole lot easier and stress free having the confidence that Matt was working on our behalf and managing the financial side.

Securing our mortgage wasn’t straight forward and Matt was very honest and realistic during the process, giving us good advice in the appropriate time.

Thanks so much for your generosity with your time Matt and providing us with such a personable customer service experience. Your relaxed approach made us feel relaxed during what otherwise could have been an extremely stressful journey.

We got our home!

Adam Lohmeyer, 11/07/2018

We are extremely happy with the service Matt has provided us. Matt displayed a thorough knowledge of his services, but was able to deliver it in not only a detailed manner but one we were able to understand. The process of buying a home can often become overwhelming at times but Matt made himself readily available to answer any questions we had, no matter how silly they were! Matt displayed a high level of commitment to helping us achieve our goals and went above and beyond to do so.

We highly recommend Matt’s services, and we ourselves will be using him again in the future.

Thank you Matt!

Megan Mitris, 17/07/2018

I have been dealing with Matt for almost two years when I had no idea what I was doing nor did I even know where to start. During that time Matt went above and beyond in helping me through the process of buying my first house. His communication skills are excellent as he was always there to answer my calls and emails and make sure everything was running smoothly.

I recommend Matt and his team at Sugar to anyone who is new to the housing market as they will be right by your side at any time you need them. Thanks again Matt.

Ross Brooks, 14/06/2018

Matt was just brilliant. He listened to everything we needed and made sure he found the best home loan for us. Not only that, but he went absolutely above and beyond to make sure that settlement happened on the day we needed it. It was just so great knowing he was in our corner. Really really happy. Thanks Matt!

Melissa Humphries, 11/06/2018

We popped in to see Matt for a chat about buying a house at the end of the year – 3 months later we are in our own home. Matt made the process so easy, explaining clearly what we needed to provide. His communication is exceptional and made himself available all hours. We can’t thank him enough for helping us into our dream home.

Sam Mitchell, 07/06/2018

I recently engaged Sugar Financial Services to help me with refinancing a couple of properties and I could not be happier with the service that Matt Penny provided.

Matt is very relatable with his approach and has a fantastic way of helping you understand the whole process, which at times can be quite overwhelming.

Having dealt with a number of different mortgage brokers Matt’s attitude towards his work is refreshing, his communication fantastic and the fact that he is willing to go the extra mile to assure you get the result you’re after is pure gold!

I would have absolutely no hesitation in recommending Matt and the team at Sugar Financial.

James Marshall, 05/06/2018

Matt was great to deal with and really helped us get into a bigger property for our family. Matt’s industry knowledge and excellent communication made the process as stress free as possible. We can’t thank him enough for all that he did to get us into our new home and recommended Sugar financial services to anyone looking for a broker.

Matt Francis, 18/04/2018

Matt is a fantastic mortgage broker. He went above and beyond to get our (tricky) loan across the line. His communication was incredible. Simple, concise and constant, he kept us in the loop and took us through each step of the process. We will be recommending Matt’s services to our friends and family.

Emma Potter, 16/04/2018

We are really happy with our experience with sugar finance. Matt provided us with support the whole way through and made buying our first home a smooth process. He was there to answer all our questions and ensure we got the result we wanted. Highly recommend him.

Mitchell Larry, 07/04/2018

Matt was a huge help throughout the process of buying my first home. He made sure everything was explained in an easy to understand way and made the whole process stress free and enjoyable. As good at finance as he is at handball receives!
I would recommend him to anyone.

Mark Nielsen, 28/03/2018

Matt Penny is the most dedicated and hardworking broker I have ever dealt with. My recent property purchase was anything but straight forward and despite the hurdles Matt took them all in his stride and kept pushing to get it across the line for me. It was a stressful few months but the end result is all that mattered. Matt worked tirelessly on my case, even contacting me on weekends to give updates. I cannot fault his professionalism and dedication throughout the entire process. My employment makes contact difficult as I am unreachable during my shifts but Matt worked around this which kept everything moving forward. I have recommended Matt to all my family and friends and urge you to contact him as well should you require any financial assistance. The fact he’s a top bloke is an added bonus. Cheers mate!

Brendan Beej, 15/03/2018

Matt was so helpful and took the stress out of organising finance for our new property purchase. Would happily recommend to everyone and anyone!

Claire Bryan-Hancock, 04/10/2017

Matt helped us remortgage our house and it’s safe to say we couldn’t have done it without him! He went above and beyond! Thanks so much legend

Kim Green, 08/09/2017

I can honestly say that if Matt had not come along for the roller-coaster ride that was purchasing my first home, I would have fallen off the ride altogether. He stuck it out through thick and thin, with encouragement, helpful and timely information and excellent communication. Matt’s (virtual) presence was reassuring and calming through a very stressful process. I’m fairly sure I was not one of his most straight forward customers, but he seemed to take all the complications in his stride – going above and beyond! THANK YOU and HIGHLY RECOMMENDED!

Oona Lee, 18/08/2017

Matt was absolutely awesome! My wife and I were in a somewhat unique financial situation, both working casually with the bulk of our income coming from research scholarships. Despite this, Matt worked tirelessly to get us into the market and with a plan that we are incredibly happy with. A stand up guy and an excellent mortgage broker!

Hunter Bennett, 26/07/2017

HUGE Thank you to Matt for playing a huge part in helping us get our house

Molly Lutze, 25/07/2017

Matt was fabulous! He helped us with so much and was very patient as it took a long time to find a home! We had a holiday booked right before settlement but I wasn’t worried knowing Matt had things under control. Would highly recommend Matt to anyone wanting a stress free process.

Lindsay Ballard-Hempel, 28/06/2017

Matt was unbelievably helpful every step of the way. My partner and I were clueless first home buyers and he made the process so much easier!
I would highly recommend anyone who is thinking about buying property to first talk to Matt so you can understand the process of buying and get some really handy advice. Thanks Matt for all of your help! We really wouldn’t have survived doing it alone!

Natasha Stent, 01/05/2017

So I went for an open inspection and instantly wanted to purchase the property. Without any pre approval I made an offer subject to finance. I contacted Matt who promptly got the ball rolling. He quickly got it approved with very competitive interest rates and with a fantastic attitude.
I can’t thank him enough for his great service and professional advice. Living my dream of owning my own house in the Adelaide hills wouldn’t of been possible without his help!
Cheers Matt Penny

Michael Stapleton, 24/01/2017

Thank you for making the loan application as simple and stress free as possible. Exceptional service. I will recommend you to all friends and family when they require assistance.

Margie, Happy Valley, 15/01/2017

Matt was fabulous, he took all the stress out of the financial side of buying a home. I really didnt have to worry about a thing, he took care of it all….if I could just get him to help with the unpacking…..lol…seriously though. thank you so much Matt you really did make the whole process so much easier

Carol Robertson, 21/11/2016

I was very impressed with the service of Matt. I was always informed of the process of the Loan and Matt was always available and very helpful with all my queries.

Reto, Hallett Cove, 10/11/2016

Matthew, we thank you for your ongoing efforts right throughout the loan process. We were constantly kept up-to-date with everything that was happening behind the scenes with the banks. Communication was paramount for us as we were stressed with moving into our new home. You explained all the scenarios to us and gave us numerous products to choose from which were all suitable to our situation. We will recommend you to family & friends when the need arises.

Frances & Bridget, Hallet Cove, 04/11/2016

Matt asked if we wanted a 5 minute home loan review at no-cost. We decided to have a look at our options and we ended up saving $273 per month on our repayments with a new lender. It really is smart to ask and see what is out there as our Bank never advised us if we were eligible for a cheaper product. I could not speak highly enough of the service Matt provided us and assisting us with our finances. I strongly recommend you take the small amount of time to see what you could potentially save with minimum effort.

Adam & Kerry, Mt. Barker, 02/10/2016

Matthew, We found your service to be very satisfying & prompt. You continually went above & beyond with your efforts. We did not have to worry or concern ourselves with our settlement and for that we are very grateful. If at any time we come across another person seeking your kind of professional assistance we will go out of our way to recommend your services. Thanks again Matthew.

Dean & Katherine, Jamestown, 13/10/2016

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