About Us

A better way to find your way forward.

About Pathways Financial Services

At Pathways Financial Services, we take the time to understand your goals and help you explore suitable finance options with clear, personalised guidance every step of the way.

Pathways broker
Broking since 2021
CBA Westpac ANZ ME Bank +
25+ Lenders on panel

Pathways Financial Services

Vanshika began her career in mortgage broking in 2021. After seeing firsthand how often borrowers relied solely on the options offered by their own bank, she developed a strong belief that people deserved to know what else was available before making one of the biggest financial decisions of their lives.

In 2024, she established Pathways Financial Services with a clear purpose: to help Sydney borrowers look beyond the obvious, explore their options and find a lending solution that suits their individual circumstances. Because the first offer isn't always the best fit and knowing what else is out there can make all the difference.

2021
Broking since
25+
Lenders on panel
Sydney
Based & local
$0
No cost to you for most loans

Lending that looks beyond the paperwork.

Today, Vanshika works across the Sydney lending market, helping clients navigate the home loan process with a practical, personalised approach.

Focused on delivering tailored finance solutions for property buyers and business owners, particularly those with complex income structures, unique financial circumstances or time-sensitive lending requirements.

For property buyers, understanding borrowing capacity, comparing lenders and getting the right finance in place can make all the difference when an opportunity comes along.

For business owners, income can be more complex. Business ownership, fluctuating earnings and the realities of running a business can make securing finance less straightforward.

We understand that every client's situation is different. Rather than taking a one-size-fits-all approach, we look at the bigger picture and explore lending options across the market to help clients understand what's possible.

More than finding a rate.

A good lending solution is about more than securing a competitive interest rate. It's about finding an option that works for your circumstances, supports your goals and gives you confidence in your next move.

At Pathways Financial Services, the focus is on making finance easier to understand, providing clarity around your options and helping you move forward with confidence.

Whether you're buying your first home, investing in property or running a business and looking for a lender who understands your circumstances, our team is here to help you explore the possibilities.

Your goals. Your circumstances. Your pathway.

Starting Pathways Financial Services in 2024 was about putting a more personalised approach to lending into practice, one where clients are encouraged to ask questions, understand their options and make informed decisions.

Because you shouldn't have to settle for the first option presented to you.

Let's find your pathway.

Ready to explore your lending options? Get in touch.

Get in touch

One broker, whole market

We compare loans from more than 25 lenders, so you're not stuck with whatever your own bank offers.

Commonwealth Bank
Westpac
ANZ
Bankwest
ING
ME Bank

How we work with you

We get to know your goals, then put together a clear plan and keep you updated, so every decision is simple.

1.

Chat

A free call to understand your goals, timing and what you can borrow.

2.

Compare

We shortlist and compare offers across our lender panel to find the right fit for you.

3.

Apply

We handle the paperwork and lender liaison through to approval.

4.

Settle

We stay with you through to settlement — and check in after.

What Our Clients Say About Us

Sarah M.
May 2026 The refinancing process felt much easier than we expected. “They took the time to understand our financial situation, explained all our options clearly, and handled the process from start to finish. They found us a competitive rate our bank couldn't match, which made a real difference to our repayments.” Sarah M. — Home Loan Refinancer, Sydney
Daniel & Priya K.
April 2026 Got our first home approved when the bank said no. “We had been knocked back by our own bank and thought it was over. Pathways found a lender who looked at our full picture, not just a tick-box assessment. We settled three months later. We couldn't be more grateful.” Daniel & Priya K. — First Home Buyers, Western Sydney
Marcus T.
March 2026 Sorted our business loan in under two weeks. “We needed equipment finance quickly to fulfil a contract. The team understood what we needed, came back with three options the same day, and we were funded within ten working days. Genuinely impressive.” Marcus T. — Business Owner, North Sydney
Jess R.
February 2026 Explained everything without the jargon. “As a first-time buyer I had no idea what I was doing. They walked me through every step — LVR, offset accounts, comparison rates — until I actually understood what I was signing. That kind of patience is rare.” Jess R. — First Home Buyer, Inner West Sydney
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Common Questions About How Pathways Works

A quick guide to our process, fees, lender panel and what happens after your first call.

Contact Us
Do you charge a fee for the first call? −
No — the first conversation is free. We use it to understand your goals, timing and borrowing situation before we recommend a next step.
Which lenders do you work with? +
We compare offers from over 25 lenders including major banks, non-bank lenders, and specialist providers. Our panel includes CBA, Westpac, ANZ, Bankwest, ME Bank, ING, Liberty, and many more.
Are you independent of the banks? +
Yes — we’re not tied to any single lender. As an independent broker, we work for you, not the banks. That means our recommendations are based on what suits your situation best.
What happens after the loan is approved? +
We guide you through settlement and stay in touch afterwards. Whether it’s a rate review, a top-up, or refinancing down the track, we’re here for the long run.
Can I work with Pathways if I’m self-employed? +
Absolutely. Self-employed borrowers are one of our specialties. We know which lenders are flexible with business income and can structure your application to put your best foot forward.
How long does a typical mortgage application take? +
It depends on the lender and complexity, but most applications take two to four weeks from submission to approval. We keep you updated at every stage.