• A boutique mortgage broking service established since 1999.


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  • Why ASAP?

    Why use ASAP Financial Services ?


    Our qualities include :

    • We work for you  (we don't work for any one bank, lender or franchise group)
    • we don't do loans with EVERY lender, in fact we are selective as to the lenders we will use in terms of service and product mix offered.

    Frankly, the quality of service offered by some lenders is so poor we would not put them forward as a solution to our clients' needs.


    Around 8 out of 10 of the loans we place come from our existing referral base and repeat business. We think that means our clients like what we do for them.


    We do lots of “Bread and Butter” residential home & investment loan work but have become specialists in the “hard” stuff:

    • Blocks of Units on one title
    • Commercial Construction incl. Specialised security such as Medical and Child Care Centres
    • Small to Medium retail shops and shopping centres
    • SMSF Resi and Commercial
    • Specific holding structures such as Hybrid Discretionary Trusts

    We listen


    We listen, learn about and help clarify your needs and goals. Based on that varied input, we provide personalised, quality credit structuring advice in a concise written format. We ensure you understand the options available, regardless of how much time and effort this may take. Should you decide to implement our recommendations we will do most of the paperwork for you, chase the lenders, valuers, solicitors and other parties and keep you informed along the way.


    The vast majority of our business comes from satisfied existing clients and their referrals

    Established in 1999

    Between our 6 staff we have 50+ years of financial services experience.

    Thousands of transactions from $10k top ups to relationships exceeding $10 million.

    Our close knit mastermind mentor group settles in excess of 500 million per year. So we are confident someone will know how to get it done in the best way.

    Too big or too small to be a client of ASAP?

    You will probably be right at home with us at ASAP!


    Most of our clients are multiple investment property owners, in various types of structures, with net worths ranging from – 500k to well over 20 million.


    And, we like to work with First Home Buyers and First Investors - for this is where our Structured Finance Concept can have the most impact in the long term.

  • Our People

    We have a fantastic team at ASAP!

    Rolf Latham


    Rolf Latham is an Authorised Representative (No.399256 ) of BLSSA Pty Ltd

    Australian Credit Licence Number 391237

    Rebecca Jackson

    Loans Processor

    • Now holds a Diploma of Finance and Mortgage Broking Management
    • Purchased first investment property in 2016, looking forward to purchasing her second next few years

    Rebecca has 10 years’ experience in the finance industry, specialising in mortgage broking since 2008. This has provided her with broad knowledge with home loans, personal loans & planning.


    Rebecca has been with ASAP Financial since 2011 as a Loans Processor, and has previous experience as a Mortgage Broker. She holds a certificate IV in Mortgage Broking, is a Commissioner of Declaration and is currently enrolled in her Diploma in Finance and Mortgage Broking to further her knowledge in this industry. Rebecca ’s role is to ensure the paperwork is done correctly to the lenders standard and to lodge and chase the application through to approval and settlement. She will ensure our clients get the best possibly outcome and enjoy their experience with ASAP Financial.
    Rebecca is a Mum of two, has been a home owner since 2007 and is looking forward to buying her second investment property in the next few years.

    Joan Ilustre

    Loans Processor

    Joan completed her Accountancy Degree in 2007 and started her career in one of the largest local banks in her region. Throughout her time there she was promoted to be one of the youngest branch managers which gave her a significant experience banking industry resulted in recognizing her branch as one of the top-performing of the year.

    Joan started her stint in the brokerage industry in 2014. She works as a support system responsible for assisting brokers to meet their client expectations and fulfill their financial goals. She makes sure that all administration paperwork is accurately and efficiently completed.

    Joan is a loving wife and a mum to her beautiful son, Johan. Her interest outside of work is her passion for cooking and making time for her family. And of course, she also loves fashion, bags, and shoes.

  • Rates

    Often we will receive a phone call asking 'what is your best rate?'

    'What is your best rate?'

    Invariably the reponse to such a question is that this is not what ASAP seeks to do for our clients. ASAP Financial Services works with a wide range of lenders to get the best value proposition for YOU.


    We can almost guarantee that this will NOT be the lowest rate product in the market for that type. In any product or Service in a free market, there are 3 things you can measure :


    a) Price

    b) Quality

    c) Service


    Please choose any two that are most important to you. In an efficient market we would argue that it isn't possible to have all three.


    While there is latitude in the mortgage market you can not, for example, compare one mortgage manager's "fully featured" loan to a Professional package deal offered by the major lending institutions. It would be akin to comparing an orange and a carrot, while they are both food, and they appear to be the same colour, we all agree they taste different and are consumed in different ways !

    Our Difference

    By using structures that are tax effective (please seek personal tax advice) and cashflow effective, with products that allow flexibility in a changing environment,  allowing  you to grow your asset base more quickly, rate isnt as important as it may at first seem.

    Having said that, the rate you pay will mostly  be market competitive with similar products, we dont recommend products that are not cost effective unless there is a "borrower or scenario" reason to do so.

    We believe you will be pleasantly surprised by our uncompromising focus on finding the right match for your financing needs. The vast majority of our business comes from referrals generated by existing happy clients, and we think that speaks volumes for our service. 


    We offer products from a broad range of lenders. At any given time we may recommend one or more over others, dependent on your particular needs and financial circumstances. Talk to us about your specific requirements.

  • No Obligation Assessment

    Would you like Rolf Latham, the director of ASAP, to assess your financial situation and advise on the best loan and finance structure for your circumstance?
    Simply complete and email the attached form to info@asapfinancial.com.au and Rolf will get back to you as soon as possible. This is a no obligation service and is bound by our Privacy Policy.

  • Resources you might find useful

    Please note the appearance of links below in no way constitutes a professional recommendation and you must undertake your own research to determine the best supplier suited to your particular circumstances.

    Are you looking to retire early? Most people like the idea of having financial freedom as soon as it is realistically achievable.


    Using strategic financial planning methods in association with structured mortgage finance, HTRE can help rapidly accelerate your wealth creation.

    Nick Moustacas and his team are property and trust specialists with a focus on wealth creation.

    Jacque Parker and her team offer a complete service for buyers of Sydney residential real estate. Let House Search buyers’ agents be your trusted guide in beautiful Sydney

  • Webinar

    Register your interest for:
    Strategic Planning for the Working Taxpayer plus World Market Roundup

  • Testimonials

    Hiten R.

    Sept 2018

    Great service. Highly recommended

    John S.

    July 2018

    I am fully stoked by the service I received at ASAP financial.

    Carl W.

    Jan 2018

    As always, ASAP are the only broker you'd ever need :)


    Sept 2017

    So very helpful - went over and above to assist. Thanks again :)

    Derek B.

    Jan 2018

    The most responsive service I have received (over Xmas, while on holidays with family). Always willing to answer my questions, and I can tell from the responses, there is a genuine focus on our best interests versus self-interest.

    Matt H.

    Nov 2017

    Rolf is always informative and takes the time to explain things from clients perspective. Also makes you think and prompts for more questions to ensure he understands your needs and goals before tailoring solutions.

    Jen W.

    Feb 2017

    Rolf has been absolutely amazing. He is keeping me informed every step of the way. Very much appreciated.

    Srini S.

    Nov 2017

    Rolf is an wealth of knowledge and an absolute pleasure to deal with!

    He was able to take a complex lending scenario involving refinancing during the sale of two properties and the purchase of another with utmost ease.

    Samuel M.

    Jun 2016

    For many years you have served me and many of my friends and clients. You have provided excellent service to all of them that has been prompt, caring, efficient and timely.
    I see no area that you can further improve your work except to open an office in Sydney.

    John T.

    Nov 2015

    Its so great to have a broker like Rolf and his team !
    Jo & I really appreciate your efforts in steering us through the mire of lending, especially in the current lending environment.
    Thanks so much again.

  • Contact Us

    Please ensure you include your name and email address so we can reply promptly.

    PO Box 227
    Arundel QLD 4214
    1800 082 080
Privacy Policy
Respecting your privacy
We respect your personal information, and this Privacy Policy explains how we handle it. The policy
covers ASAP Financial Services Pty Ltd.

This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit
facility. We refer to this credit-related information below as credit information.

If you are in a country that is a member of the European Economic Area (EEA), the EU General Data
Protection Regulation 2016/679 (‘GDPR’) governs the way we collect, use, hold, process and disclose
your personal information. Under the GDPR, we are a data controller. We make decisions on how and why your personal information is processed.
What personal information do we collect and hold?
General information
The types of information that we collect and hold about you could include:
•	ID information such as your name, postal or email address, telephone numbers, and date of birth;
•	other contact details such as social media handles;
•	financial details such as your tax file number; and
•	other information we think is necessary.
When the law authorises or requires us to collect information
We may collect information about you because we are required or authorised by law to collect it.
There are laws which require us to collect personal information. For example, we require personal
information to verify your identity under Australian Anti-Money Laundering law.
What do we collect via your website activity?
If you’re an internet customer of ours, we monitor your use of internet services to ensure we can
verify you and can receive information from us, and to identify ways we can improve our services for
you. If you start but don’t submit an on-line application, we can contact you using any of the contact
details you’ve supplied to offer help completing it. The information in applications will be kept
temporarily then destroyed if the application is not completed.
We also know that some customers like to engage with us through social media channels. We may
collect information about you when you interact with us through these channels. However, for all
confidential matters, we’ll ensure we interact with you via a secure forum.
To improve our services and products, we sometimes collect de-identified information from web
users. That information could include IP addresses or geographical information to ensure your use of
our web applications is secure. 

How do we collect your personal information?
How we collect and hold your information
Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date.
There are a number of ways in which we may seek information from you. We might collect your
information when you fill out a form with us, when you’ve given us a call or used our website. We
also find using electronic means, such as email or SMS, a convenient way to communicate with you
and to verify your details1
How we collect your information from other sources
Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits.
We will do this only if it’s reasonably necessary to do so, for example, where:
•	we collect information from third parties about the loan or lease made available to you arising
•	out of the services we provide you;
•	we can’t get hold of you and we rely on public information (for example, from public registers or
•	social media) or made available by third parties) to update your contact details; or
•	we exchange information with your legal or financial advisers or other representatives.
What if you don’t want to provide us with your personal information?
If you don’t provide your information to us, it may not be possible:
•	for us to give you the credit assistance you seek from us;
•	to assist in finding a loan or lease relevant to your circumstances;
•	verify your identity or protect against fraud; or
•	to let you know about other products or services that might be suitable for your financial needs.
How we collect and hold your credit information
We will collect your credit information in the course of you answering the enquiries we make of you
relating to the credit assistance you seek from us. In addition to what we say above about collecting
information from other sources, other main sources for collecting credit information are:
•	your co-loan applicants or co-borrowers;
•	your guarantors/proposed guarantors;
•	your employer, accountant, real estate agent or other referees;
•	your agents and other representatives like the person who referred your business to us, your
•	solicitors, conveyancers and settlement agents;
•	organisations that help us to process credit applications;
•	organisations that check the security you are offering such as valuers;
•	bodies that issue identification documents to help us check your identity; and
•	our service providers involved in helping us to process any application you make for credit
•	through us.
What do we do when we get information we didn’t ask for?
Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited
information’). Where we receive unsolicited personal information about you, we will check whether
that information is reasonably necessary for our functions or activities. If it is, we’ll handle this
information the same way we do with other information we seek from you. If not, we’ll ensure we do
the right thing and destroy or de-identify it.

 However we’ll never ask you for your security details in this way – if you are ever unsure, just
contact us 
When will we notify you that we have received your information?
When we receive personal information from you directly, we’ll take reasonable steps to notify you
how and why we collected your information, who we may disclose it to and outline how you can
access it, seek correction of it or make a complaint.
Sometimes we collect your personal information from third parties. You may not be aware that we
have done so. If we collect information that can be used to identify you, we will take reasonable steps
to notify you of that collection.
How do we take care of your personal information?
We store information in different ways, including in paper and electronic form. The security of your
personal information is important to us and we take reasonable steps to protect it from misuse,
interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we
do this are:
•	document storage security policies;
•	security measures for access to our systems; and
•	only giving access to personal information to a person who is verified to be able to receive
•	that information
We may store personal information physically or electronically with third party data storage
providers. Where we do this, we use contractual arrangements to ensure those providers take
appropriate measures to protect that information and restrict the uses to which they can put that
What happens when we no longer need your information?
We’ll only keep your information for as long as we require it for our purposes. We may be required to
keep some of your information for certain periods of time under law. When we no longer require
your information, we’ll ensure that your information is destroyed or de-identified.
How we use your personal information
What are the main reasons we collect, hold and use your information?
Collecting your personal information allows us to provide you with the products and services you’ve
asked for. This means we can use your information to:
•	give you credit assistance;
•	give you information about loan products or related services including help, guidance and
•	advice;
•	consider whether you are eligible for a loan or lease or any related service you requested
•	including identifying or verifying you or your authority to act on behalf of a customer;
•	assist you to prepare an application for a lease or a loan;
•	administer services we provide, for example, to answer requests or deal with complaints;
•	and
•	administer payments we receive, or any payments we make, relating to your loan or lease.
Can we use your information for marketing our products and services?
We may use or disclose your personal information to let you know about other products or services
we or a third party make available and that may be of interest to you.
We will always let you know that you can opt out from receiving marketing offers.
With your consent, we may disclose your personal information to third parties for the purpose of
connecting you with other businesses or customers. You can ask us not to do this at any time. We
won’t sell your personal information to any organisation. 
Yes, You Can Opt-Out
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We
will process your request as soon as practicable.
What are the other ways we use your information?
We’ve just told you some of the main reasons why we collect your information, so here’s some more
insight into the ways we use your personal information including:
•	telling you about other products or services we make available and that may be of interest to
•	you, unless you tell us not to;
•	identifying opportunities to improve our service to you and improving our service to you;
•	allowing us to run our business efficiently and perform general administrative tasks;
•	preventing any fraud or crime or any suspected fraud or crime;
•	as required by law, regulation or codes binding us; and
•	any purpose to which you have consented.
•	What are the grounds which we will deal with your personal information under the GDPR?
•	Under the GDPR, we must have a legal ground in order to process your personal information. The
•	legal grounds that we may rely on are:
•	Performance of our contract with you;
•	Compliance with a legal obligation;
•	Where you have provided your consent; and
•	For our legitimate interests: our main legitimate interests for processing your personal
information are: fraud, security, due diligence, business operations and direct marketing.

How long do you keep your information?
We are required to keep some of your information for certain periods of time under law, such as the
Corporations Act, the Anti-Money Laundering & Counter-Terrorism Financing Act, and the Financial
Transaction Reports Act for example.
We are required to keep your information for 7 years from the closure of accounts, or otherwise as
required for our business operations or by applicable laws.
We may need to retain certain personal information after we cease providing you with products or
services to enforce our terms, for fraud prevention, to identify, issue or resolve legal claims and/or for
proper record keeping.
Who do we share your personal information
To make sure we can meet your specific needs and for the purposes described in ‘How we use your
personal information’, we sometimes need to share your personal information with others. We may
share your information with other organisations for any purposes for which we use your information.
Sharing Your Information
We may use and share your information with other organisations for any purpose described above. 
Sharing with your representatives and referees
We may share your information with:
•	your representative or any person acting on your behalf (for example, lawyers, settlement
•	agents, accountants or real estate agents); and
•	your referees, like your employer, to confirm details about you.
•	Sharing with third parties
•	We may share your information with third parties in relation to services we provide to you. Those
•	third parties may include:
•	the mortgage aggregator through whom we may submit loan or lease applications to lenders or
•	lessors on the mortgage aggregator’s panel;
•	the Australian Credit Licence holder that authorises us to engage in credit activities;
•	referrers that referred your business to us;
•	valuers;
•	lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
•	organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud,
•	suspected fraud, crimes, suspected crimes, or other misconduct;
•	government or regulatory bodies (including ASIC and the Australian Taxation Office) as required
•	or authorised by law. In some instances, these bodies may share the information with relevant
•	foreign authorities;
•	guarantors and prospective guarantors of your loan or lease;
•	service providers, agents, contractors and advisers that assist us to conduct our business for
•	purposes including, without limitation, storing or analysing information;
•	any organisation that wishes to take an interest in our business or assets; and
•	any third party to which you consent to us sharing your information.
Sharing outside of Australia
We may use overseas organisations to help conduct our business. As a result, we may need to share
some of your information (including credit information) with such organisations outside Australia. The
countries in which those organisations are located are:
• Philipines
We may store your information in cloud or other types of networked or electronic storage. As
electronic or networked storage can be accessed from various countries via an internet connection,
it’s not always practicable to know in which country your information may be held. If your information
is stored in this way, disclosures may occur in countries other than those listed.
Overseas organisations may be required to disclose information we share with them under a foreign
law. In those instances, we will not be responsible for that disclosure.
Where we transfer your information from the EEA’ to a recipient outside the EEA we will ensure that
an adequate level of protection is in place to protect your personal information such as putting in
place contractual protections to ensure the security of your information.
How do you access your personal information?
How you can generally access your information
We‘ll always give you access to your personal information unless there are certain legal reasons why
we can’t. You can ask us in writing to access your personal information that we hold. In some cases
we may be able to deal with your request over the phone.
We will give you access to your information in the form you want it where it’s reasonable and
practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always
check with you first. 
We’re not always required to give you access to your personal information. Some of the situations
where we don’t have to give you access include when:
•	we believe there is a threat to life or public safety;
•	there is an unreasonable impact on other individuals;
•	the request is frivolous;
•	the information wouldn’t be ordinarily accessible because of legal proceedings;
•	it would prejudice negotiations with you;
•	it would be unlawful;
•	it would jeopardise taking action against serious misconduct by you;
•	it would be likely to harm the activities of an enforcement body (e.g. the police); or
•	it would harm the confidentiality of our commercial information.
If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If
you have concerns, you can complain. See ‘Contact Us’.
How do you correct your personal information?
How we correct your information
Contact us if you think there is something wrong with the information we hold about you and we’ll try
to correct it if it’s:
•	inaccurate;
•	out-of-date;
•	incomplete;
•	irrelevant; or
•	misleading.
If you are worried that we have given incorrect information to others, you can ask us to tell them
about the correction. We’ll try and help where we can - if we can’t, then we’ll let you know in writing.
What additional things do we have to do to correct your credit
If you ask us to correct credit information, we will help you with this in the following way.
Helping you manage corrections
Whether we made the mistake or someone else made it, we are required to help you ask for the
information to be corrected. So we can do this, we might need to talk to others. However, the most
efficient way for you to make a correction request is to send it to the organisation which made the
Where we correct information
If we’re able to correct the information, we’ll let you know within five business days of deciding to do
this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are
any instances where we can’t do this, then we’ll let you know in writing.

Where we can’t correct information
If we’re unable to correct your information, we’ll explain why in writing within five business days of
making this decision. If you have any concerns, you can access our external dispute resolution scheme
or make a complaint to the Office of the Australian Information Commissioner.
Time frame for correcting information
If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a
longer period that’s been agreed by you. 
If we can’t make corrections within a 30 day time frame or the agreed time frame, we must:
•	let you know about the delay, the reasons for it and when we expect to resolve the matter;
•	ask you to agree in writing to give us more time; and
•	let you know you can complain to our external dispute resolution scheme or the Office of the
•	Australian Information Commissioner.
How do you make a complaint?
How do you generally make a complaint?
If you have a complaint about how we handle your personal information, we want to hear from you.
You are always welcome to contact us.
You can contact us by using the details below
Rolf Latham
ASAP Financial Services Pty Ltd
1800 08 20 80
We are committed to resolving your complaint and doing the right thing by our customers. Most
complaints are resolved quickly, and you should hear from us within five business days.
Need more help?
If you still feel your issue hasn't been resolved to your satisfaction, then you can raise your concern
with the Office of the Australian Information Commissioner:
•	Online: www.oaic.gov.au/privacy
•	Phone: 1300 363 992
•	Email: enquiries@oaic.gov.au
•	Fax: +61 2 9284 9666
•	Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601
If you are located in the EEA, you can contact the relevant data protection authority (for example in
the place you reside or where you believe we breached your rights). For example, the Office of the
UK Information Commissioner:
Office of the UK Information Commissioner
• Online: www.ico.gov.uk
• Phone: 0303 123 1113
• Live chat: https://ico.org.uk/global/contact-us/live-chat
What additional things do we have to do to manage your complaints
about credit information?
If your complaint relates to how we handled your access and correction requests
You may take your complaint directly to our external dispute resolution scheme or the Office of the
Australian Information Commissioner. You are not required to let us try to fix it first.
For all other complaints relating to credit information
If you make a complaint about things (other than an access request or correction request) in relation
to your credit information, we will let you know how we will deal with it within seven days. 
Ask for more time if we can’t fix things in 30 days
If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will
also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to
our external dispute resolution scheme or the Office of the Australian Information Commissioner.
Letting you know about our decision
We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any
concerns, you may complain to our external dispute resolution scheme or the Office of the Australian
Information Commissioner.
Your Rights under GDPR
If you reside in the EEA, you can also:
•	object to the processing or your personal information or ask us to delete, or restrict or stop
•	using your personal information. There may be circumstances where we are required to, or
•	entitled to retain or continue using your information.
•	withdraw your consent to our processing of your information. We may continue to process
•	our information if we have another legitimate ground to do so.
•	ask us to send an electronic copy of your personal information, including to another
•	organisation.
You can contact us if you wish to exercise these rights. See ‘Contact Us’ for more information If we
refuse any request you make in relation to these rights, we will write to you to explain why and how
you can make a complaint about our decision.
Contact Us
We care about your privacy. Please contact us if you have any questions or comments about our
privacy policies and procedures. We welcome your feedback.
You can contact us by using the details below:
Rolf Latham
ASAP Financial Services Pty Ltd
1800 08 20 80
What if you want to interact with us anonymously or use a pseudonym?
If you have general enquiry type questions, you can choose to do this anonymously or use a
pseudonym. We might not always be able to interact with you this way, however, as we are often
governed by regulations that require us to know who we’re dealing with. In general, we won’t be able
to deal with you anonymously or where you are using a pseudonym when:
•	it is impracticable; or
•	we are required or authorised by law or a court/tribunal order to deal with you personally.
What do we do with government-related identifiers?
In certain circumstances we may be required to collect government-related identifiers such as your
tax file number. We will not use or disclose this information unless we are authorised by law. 
Changes to this Privacy Policy
This Policy may change. We will let you know of any changes to this Policy by correspondence via post
or e-mail or you may contact us for a copy of the most up to date policy at any time.