About us:

At Arc, we believe there's a better way to do home lending. Not the kind where you fill out a form, get handed off to a call centre, and hope for the best. The kind where you deal with one person who knows your name, understands your goals, and is genuinely invested in getting the right outcome for you.

Based across Newcastle and Sydney, Arc works with first home buyers navigating the process for the first time, investors building portfolios, and clients purchasing their next home or who've outgrown their current loan and want a better deal. Whatever your situation, and wherever you are in Australia, the approach is the same: understand your full picture first, then shape a strategy around it.

With access to 30+ lenders, we compare the market to find the product that fits you, not just the one with the best marketing. And once we're done, we stick around — loan reviews, rate checks, future purchases. Arc is a long-term lending partner.

Daniel Bernasconi, mortgage broker based in Newcastle and Sydney. Arc Home Loans founder and home loan specialist Newcastle and Sydney. Arc Financial

Our Process:

  • Every journey starts with a real conversation, in person, over video, or by phone. We'll get to know your financial position, your goals and anything specific to your situation, so we can build a strategy that's genuinely right for you.

  • Following our initial discussion, you’ll receive access to a secure client portal containing a digital Fact Finder and a personalised checklist. This streamlined process ensures the safe and efficient upload of all required documentation.

  • With your financial details and documentation in place, we’ll undertake a comprehensive analysis to identify the most suitable lenders and products. You’ll be presented with a clear, strategic recommendation aligned with your goals.

  • Once a preferred lender and product are selected, we will prepare your credit proposal and all necessary documentation for electronic signing. Then we manage the full submission process, liaising directly with the lender to ensure a smooth path to approval.

  • We will coordinate closely with all relevant parties, including your real estate agent, buyer’s agent, lender, and conveyancer to manage the settlement process. Our focus is on ensuring every document is completed accurately and timelines are met without issue.

  • Arc’s service doesn’t end at settlement. We remain available for ongoing support, loan reviews, rate reduction requests and future lending needs. Whether you're refinancing, upgrading, or seeking guidance down the line, Arc is here as your long-term lending partner.

A lending journey shaped with care, clarity, and strategy.

  • "Dan went above & beyond helping me re-finance my home loan. He was very professional & made me feel comfortable throughout the whole process as it was my first time re-financing. I can't thank him enough & highly recommend his services."

    - Brodie. A

  • "Daniel led us through the mortgage finder & then application process brilliantly. Communication was top notch & we felt very well advised on what product to go forward with."

    - Nick. O

  • “We recently worked with Dan purchasing a house whilst on the road travelling. His level of communication is a clear knock out. Throughout the entire process he was all over everything making it a really positive and informative experience for us, highly recommend.”

    - Jess. T

  • "Dan did an excellent job helping us to refinance our home loan at a lower rate. We also managed to pay off our car loan & get some cash for a long overdue bathroom renovation. We're now saving over $500 per month on repayments. Highly recommended!"

    - Kate. S

  • "Daniel was exceptionally helpful & friendly throughout a somewhat complicated process, helping me navigate through with knowledge & guidance regarding options available. Dan made himself available to discuss any concerns I had throughout the process. highly recommended."

    - Justin. H

  • "Dan was really amazing. We're first home buyers so were pretty nervous and had a million questions. Dan was super friendly, knowledgeable, and always calm and relaxed which was exactly what we needed. He got us pre-approval and formal approval with minimal fuss and a quick turnaround. Great guy to have on your side - would recommend."

    - James. C

  • “The mortgage team was fantastic; we dealt with Dan, who was especially helpful to us as first-time buyers from the UK. They were professional, efficient, and always available to answer our questions. I highly recommend their excellent service to anyone looking to finance a home!”

    - David. M

  • “Very happy with our service with Daniel Bernasconi who we have gone through with both our mortgages now. Daniel makes the process so easy and we had peace of mind throughout both our experiences. Highly recommend Daniel and his expertise.”

    Rebecca. M