Home Loans, Refinancing, And Investment Finance Made Simple.
Buy your first home with confidence. Refinance to save thousands. Unlock equity to grow your property portfolio.
With Croft Money, you get clear strategies, real support, and finance that works for your goals.
Here’s How We Help
Property Owners & Investors
Where You Are Now
You’ve worked hard to buy your home and built up equity but you’re unsure how to use it to invest. Maybe you’ve thought about property investing but don’t know where to start, or you’ve had advice that left you more confused than confident.
What You Want
A clear, practical way to grow your wealth through property without unnecessary risk or guesswork.
How We Help
We show you how to unlock equity safely, structure your loans correctly, and use proven strategies to start or expand your investment portfolio. With us, you’ll know exactly what’s possible and have a team guiding you every step of the way.
First Home Buyers
Where You Are Now
You’re dreaming of your first home but unsure how to start deposits, approvals, and loan options can feel overwhelming without clear guidance.
What You Want
Clarity, confidence, and a simple plan to secure your first property without costly mistakes or missed opportunities.
How We Help
We’ll walk you through every step, from savings strategies and loan pre-approval to property selection and settlement. You’ll move forward with confidence and support.
Refinancers & Restructures
Where You Are Now
You have an existing mortgage but feel like you're not getting the best deal or leveraging your equity effectively.
What You Want
A smarter loan structure that reduces costs, increases flexibility, enhances your cash flow, and supports your evolving financial goals.
How We Help
We assess your current situation, compare lenders, and guide you through a refinance or restructure that reduces costs and improves your cash flow, giving you greater financial freedom.
No matter where you’re starting from - first home, next home, or investment portfolio - Croft Money makes the process simple, clear, and designed to move you forward financially.
Property Wealth Calculator (Australia)
Property & Growth
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| Year | Annual Rent | Expenses | Interest | Principal | Depreciation | Taxable | Tax Saving | Net Cashflow |
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This is a simplified model for Australian property investing. Not financial advice.
Why Croft Money?
At Croft Money, You Don’t Just Get A Loan
You Get a Strategy For Long-Term Financial Success.
Real Investor Experience
Susan has personally built a multi-property portfolio and shares the same strategies with clients.
Proven Track Record
More than 8000 plus clients, $1.2 Billion in loans settled, 20 years of experience across first homes, refinances, and investments.
Dedicated Team
Brokers and support staff ensure every client is looked after.
30+ Lender Panel
We compare across a wide market to secure deals others miss.
Clear & Efficient
No jargon. No delays. Just results that move you forward.
High Success Rate
98% of clients achieve loan approval with us.
+ Years of Experience
Helping Australians since 2003 with over 8000+ clients supported and $1.2 Billion loans settled
+ Years of Experience
Helping Australians since 2003 with over 8000+ clients supported.
Client Stories
"Working with Susan made buying our first home surprisingly easy. What felt stressful at first turned into confidence and clarity — now we’re even thinking about our first investment property."
Kirsty Waddingham★★★★★
“Susan made buying our first home feel simple. We went from feeling overwhelmed to feeling in control - and now we’re planning our first investment property.”`
Kurt Weatherson★★★★★
"Susan guided us through buying our first home with such ease. What started as overwhelming quickly became exciting and manageable — now we’re even exploring our first investment property."
Kirk Waderson★★★★★
"Thanks to Susan, purchasing our first home was straightforward and stress-free. We went from feeling unsure to confident, and now we’re planning our first investment property."
Robert Anderson★★★★★
About Croft Money
You’ve worked hard for your money. Now it’s time to make sure it works just as hard for you.
I’m Susan Croft, and I started Croft Money to help Australians move forward financially through smarter property decisions.
I began in banking in 2003, moved into mortgage broking in 2006, and over the last 20 years I’ve helped thousands of clients buy homes, refinance, and grow investment portfolios. Along the way, I’ve also built my own property portfolio using simple, practical strategies - the same ones I share with my clients.
At Croft Money, you’re not just working with me. You’ll have the support of my team of brokers and assistants who make sure you’re looked after every step of the way.
Whether it’s your first home, your next home, or an investment strategy, you’ll have clear advice, real support, and a path forward.
Services
Finance solutions tailored to your property goals.
Property Investment Loans
You’ve built equity in your home - now it’s time to put it to work. We help you unlock equity safely and build a smart investment portfolio with the right structures and strategies.
Start Your Investment Journey →
First Home Loans
We take the stress out of buying your first home. From loan comparisons to paperwork, we guide you through it all - so you feel confident, supported, and excited, not overwhelmed.
Book Your First Home Call →
Refinancing & Restructuring
Make sure your loan is working as hard as you are. We compare across 30+ lenders to lower your repayments, restructure debt, or fund renovations that grow your property’s value.
Book Your Loan Review →
Construction Loans
We provide tailored construction loan support with stage draw setup, builder–lender coordination, and milestone management to keep your project funded on time and on budget.
Book Your FIFO Strategy Call →Other Services
Personal Loans
Car Loans
Equipment Loans
Pool Loans
Asset Finance
Debt Consolidation
Business Loans
Construction Loans
Croft Money
How It Works
Book Your Call
Tell us your goals and situation.
We Do The Work
Compare 30+ lenders and build the right strategy.
Get Approved
We handle the paperwork and approvals.
Move Forward
You get the keys, free up cash, or grow your portfolio.
Success Stories
“Susan helped us secure three properties and always went above and beyond to get the best results.”
Jordan Bruno
Croft Money“Susan is incredibly responsive, client-focused, and efficient, making her an easy recommendation.”
Bonnie English-Evans
Croft Money“Susan guided us step-by-step into buying our first home, making a once overwhelming process simple and stress-free.”
Hudson J Howes
Croft Money“Susan helped me buy my first property and later revalue it for $160k more, and I highly recommend her.”
Louise Wissmann
Croft Money“Susan made my experience smooth and stress-free, and she has since delivered the same great service to my family.”
Umesh Chandra Sinha
Croft Money“Susan eased all my stress by handling my home finance with professionalism, transparency, and excellent communication.”
Surabhi Sinha
Croft Money“Susan’s clear explanations and fast, tailored solutions made the entire finance process smooth and easy.”
Mehdi Dabiri
Croft MoneyReady to Take Your Next Financial Step?
We work with Australians who are financially ready - with stable income and either a deposit saved or equity in their property. If that’s you, let’s talk.
I would like to consult:
Croft Money helps Australians make smarter property decisions through practical financial strategies and expert support.
Perth, Western Australia
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