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Finance thatmoves with you.

  • Home.
  • Business.
  • Assets.

Sydney-based Mortgage & Finance Broker helping clients across Australia access finance with confidence.

From buying your first home to financing your next business vehicle, machinery or equipment, I make the process straightforward.

Let's talk finance
Delcy Pandya, smiling, in a black blazer and white shirt against a pale studio backdrop

Finance for life & business

What are you looking to finance?

  1. Home Loans

    Buying, investing or refinancing?

    From first home buyers to investors and self-employed borrowers, I’ll help you understand your options and find a lending solution suited to your circumstances.

    Explore Home Loans

  2. Car & Asset Finance

    Need your next business vehicle?

    Finance options are available for cars, utes, vans, SUVs, commercial vehicles and business fleets.

    Eligible ABN holders may also have access to streamlined low-doc or no-financials options, subject to lender requirements.

    Explore Asset Finance

  3. Business Finance

    Need funding to take the next step?

    Whether you’re expanding, managing cash flow, purchasing assets or investing back into your business, I’ll help explore suitable funding options.

    Explore Business Finance

  4. Machinery & Equipment

    Get the equipment your business needs.

    Get the equipment your business needs without unnecessarily tying up your working capital. Finance may be available for machinery, trade equipment, construction equipment, medical equipment, technology, commercial equipment and more.

    Finance Your Equipment

ABN finance, without all the complexity.

Self-employed? Let’s look beyond the traditional lending box.

Not every business owner has two years of perfectly prepared financials ready to go.

That’s where specialist lending options can help.

Depending on your circumstances, I can explore low-doc and no-financials asset finance options for eligible ABN holders.

Whether it’s one vehicle, multiple vehicles, machinery or equipment, I’ll work with you to understand what you’re looking to purchase and identify suitable lending options.

  • ABN Car Finance
  • Commercial Vehicles
  • Business Fleets
  • Machinery & Equipment
  • Low-Doc Options
  • No-Financials Options

Eligibility, lending criteria and documentation requirements vary between lenders.

Check my options

Islamic finance

Finance that aligns with your faith.

Looking for finance without traditional interest (Riba)?

At Delcy Mortgage & Finance, I can help you explore Islamic-friendly, Sharia-compliant financing options designed to align with your faith, values and financial goals.

Whether you’re purchasing your first home, investing in property, buying a vehicle or looking to finance assets, I can guide you through the available options and help you understand how Islamic finance works.

What is Islamic finance?

Islamic finance is an alternative to conventional lending that follows Sharia principles, including the prohibition of interest, known as Riba.

Rather than charging interest on money borrowed, Islamic finance uses alternative arrangements involving asset ownership, leasing, trade or an agreed profit structure.

Depending on the finance product, the provider may purchase an asset and sell it to you at an agreed profit, lease an asset to you, or enter into a shared-ownership arrangement.

These structures are designed to provide financing without conventional interest-based lending.

Islamic finance options available

  • Home finance

    Looking to purchase a home while staying true to your Islamic values?

    I can assist you in exploring Sharia-compliant home financing options for:

    • First home buyers
    • Owner-occupied properties
    • Investment properties
    • Refinancing existing home finance
    • Eligible self-managed super fund (SMSF) property purchases

    Unlike conventional mortgages, Islamic home finance can use an alternative ownership or leasing arrangement rather than a traditional interest-bearing loan.

    Depending on the product and eligibility, financing may be available with deposits starting from 5%.

  • Car finance

    Purchase your next vehicle through an Islamic-friendly financing structure.

    Under a Murabaha (Cost + Profit) arrangement, the finance provider purchases the vehicle and sells it to you at an agreed price, including a disclosed profit margin.

    You then repay the agreed purchase price through regular instalments over the selected term.

    Options may include:

    • New vehicles
    • Demonstrator vehicles
    • Used vehicles
    • Finance terms from 3 to 7 years
    • Finance amounts up to $150,000
    • Options for employed and self-employed applicants
    • Additional repayment and balloon payment options, subject to the product

  • Business & asset finance

    If you’re a business owner looking to purchase vehicles, machinery or equipment, I can help explore suitable Islamic-friendly financing options.

    Depending on the asset and finance provider, financing may be structured through an asset purchase, leasing or another Sharia-compliant arrangement.

    This may be suitable for businesses seeking to acquire:

    • Business vehicles and commercial fleets
    • Machinery and equipment
    • Other eligible business assets

    Product availability and eligibility will depend on the specific business and asset.

  • Property investment & SMSF finance

    For clients looking to build their property portfolio, Sharia-compliant financing options may also be available for eligible investment properties and SMSF property purchases.

    These arrangements aim to provide an alternative to conventional interest-based property financing while supporting long-term property ownership and investment goals.

How is Islamic finance different from traditional finance?

The key difference is how the finance arrangement is structured.

With traditional finance, a lender provides money and charges interest on the outstanding loan balance.

With Islamic finance, the arrangement is designed around an asset, a contractual ownership interest, leasing or an agreed profit, rather than conventional interest.

Islamic finance is not necessarily free of financing costs. Profit margins, rental payments and applicable fees may still apply, depending on the product.

How I can assist you

As your finance broker, I can help you:

  • Understand the different Islamic financing structures
  • Explore suitable Sharia-compliant finance options
  • Assess your borrowing capacity and eligibility
  • Understand deposits, repayments and finance requirements
  • Compare available options based on your financial circumstances
  • Guide you through the finance application process

Whether you’re purchasing a home, buying a car or expanding your business, I’m here to help you explore finance options that align with your values.

Get in touch today to discuss your requirements.

Finance options are subject to lender availability, eligibility, assessment and approval. Sharia compliance depends on the individual product and its certification.

Get in touch
Delcy Pandya in a black shirt, smiling, with long dark hair and a necklace that spells Delcy

Meet Delcy

Finance doesn’t need to feel complicated.

Hi, I’m Delcy, a Sydney-based Mortgage & Finance Broker servicing clients throughout Australia.

I work across both personal and commercial finance, helping clients with everything from purchasing their first home to financing vehicles and equipment for established businesses.

I particularly enjoy working with business owners and self-employed clients, where finding the right finance solution isn’t always as simple as completing an online application. I grew up in Western Sydney in a family that ran retail businesses, so I know what it takes to keep one moving.

My approach is personal, straightforward and solution-focused.

You tell me what you’re trying to achieve.I’ll help you understand the finance options available to get you there.

DelcyMortgage & Finance Broker

More about Delcy

Sydney based.Australia wide.

You don’t need to be in Sydney to work with me. I assist clients across Australia through phone, email and online appointments, making it easy to arrange finance wherever you’re located.

Start an enquiry

NSW, VIC, QLD, SA, WA, TAS, ACT, NT. Sydney, NSW.

Delcy supports a wide range of borrowing needs.

Delcy has access to a wide range of financial institutions, including the major banks, non-bank lenders, and specialist lenders. This broad panel allows her to find suitable solutions for a variety of client needs.

Her access to such a wide lender network also means she can assist with more complex lending scenarios that many brokers may not be able to handle.

Services and specialist areas

  • First home buyer loans
  • Low deposit loans (including LMI options)
  • Construction loans
  • Business loans
  • Business cash flow loans
  • Car and asset finance
  • Investment property loans
  • Refinancing
  • Self-employed lending
  • Debt consolidation
Lender panel

Simple from start to finish.

  1. Tell me what you need

    Have a quick conversation with me about what you’re looking to purchase, refinance or achieve.

  2. Explore your options

    I’ll review your circumstances and explore suitable finance options available through my lender panel.

  3. Application to settlement

    Once you’ve chosen how you’d like to proceed, I’ll help manage the finance process through to settlement.

Let’s make your next move happen.

  • Buying a home?
  • Need a new business vehicle?
  • Expanding your fleet?
  • Purchasing machinery?
  • Looking for a low-doc option?

Let’s talk about your finance options.

Get in touch

Get a quick quote

This will not affect your credit score.

Looking for a home loan? Email me directly and we’ll start there.delcy@mabbroker.com.au+61 449 637 558

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delcy@mabbroker.com.au+61 449 637 558

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