SAM POLIZZI

Mortgage Broker

Sam Polizzi is a Mortgage Broker who joined the Margin Finance team with great insight and understanding of the industry. After working in real estate and financial planning, Sam decided to explore his passion for property and finance a little more deeply and step into the world of Mortgage Brokering.

The satisfaction of helping clients achieve their property goals, combined with critical thinking to help get complex deals over the line and approved, is what Sam enjoys most as a Finance Broker.

Having completed his Diploma in Finance and Mortgage Broking Management (in addition to his Diploma in Financial Planning), we cannot wait to see his future unfold!

Sam Polizzi

A margin exceeding the means of others

Joshua Garlepp

Josiah Salazar

I first met Damien when I was looking to secure a loan for my very first property. At the time, I also sought a second opinion and ended up going with a different broker, based on the promises they made. Unfortunately, that turned out to be a costly mistake. they significantly under delivered, securing me an approval that was $150,000 less than what they had originally promised. It was a tough lesson. In contrast, Damien was upfront and honest from the beginning. He set realistic expectations and told me what I needed to hear, not just what I wanted to hear. A rare quality in this industry. So when it came time to work with a broker again, I didn’t even consider going elsewhere. I went straight to Damien. And to say that he delivered is a huge understatement. From day one, everything was set up properly. The service was outstanding, communication was consistent, and the support from his team was second to none. I truly believe that Margin Finance is the best in the country, and I wouldn’t hesitate to recommend Damien and his team to anyone.

David Klime

Here is a statistic for you, in the past 40 years median housing prices in Melbourne have increased by 3,345% meanwhile wages have only increased by 1,183% by the median. This one statistic explains a lot about the current issues being shouted by the young middle class struggling to find a way to earn enough to even consider attempting to get into the housing market. You know who doesn’t use relevant statistics? margin Finance! You think if you were going to go onto Studio Ten news and explain that you have all the answers to people’s problems, you wouldn’t alienate the people you’re trying to convince with your claims that the cost of living crisis is due to consumer impulsivity and vanity I Just watched Damian Medici on Ten News display his contrarian views on behalf of Margin Finance that the “cost of living crisis” is actually a “spending crisis” this entire segment failed to provide majorly convincing statistics on current housing prices and over generalised the entire economic situation in Australia to be people spending money on clothes, uber and things they do not need. It’s very reminiscent of the boomer sentiment that “if you pull yourself up by the boot straps you’ll make it” If we look simply at the consensus made by the people complaining about this “spending crisis” it is widely accepted that the argument pertains to the overwhelming house crisis pricing ratio between House Prices to Yearly Salary. We all know that to stand out as a business, making wild statements can and will increase engagement, wether negative or positive, it can be beneficial for businesses to incorporate this strategy, in all self awareness it is what made me decide to make this review. I don’t see any other reason Damian Medici on behalf of Margin Finance to come onto Ten News to make these claims unless their business is simply having Cash flow issues and is struggling to stay solvent. Thus making outlandish claims against the people they’re arguing towards, in order to cause controversy. They know the housing market and the cost of living crisis exists for the middle and lower class, it’s something you have to feel and experience, these people make their money imploring fraudulent tactics and outlandish saviour claims to entice desperate people to give them their business. Nobody is saying that money cannot be saved by not spending it on things we don’t need. But that’s not the answer to everything, and this completely removes people’s need to also have entertainment and enjoyment from non essential items because that’s important too, within reason. We will be seeing this company fall off very soon, have a look at some of these reviews too, they’re very AI a generated and Fake accounts bolstering their company. Do not fall for those frauds. Also, their “business award finalist thing” if they boast about that crap, those things are bought not earned.

David Klime

Here is a statistic for you, in the past 40 years median housing prices in Melbourne have increased by 3,345% meanwhile wages have only increased by 1,183% by the median. This one statistic explains a lot about the current issues being shouted by the young middle class struggling to find a way to earn enough to even consider attempting to get into the housing market. You know who doesn’t use relevant statistics? margin Finance! You think if you were going to go onto Studio Ten news and explain that you have all the answers to people’s problems, you wouldn’t alienate the people you’re trying to convince with your claims that the cost of living crisis is due to consumer impulsivity and vanity I Just watched Damian Medici on Ten News display his contrarian views on behalf of Margin Finance that the “cost of living crisis” is actually a “spending crisis” this entire segment failed to provide majorly convincing statistics on current housing prices and over generalised the entire economic situation in Australia to be people spending money on clothes, uber and things they do not need. It’s very reminiscent of the boomer sentiment that “if you pull yourself up by the boot straps you’ll make it” If we look simply at the consensus made by the people complaining about this “spending crisis” it is widely accepted that the argument pertains to the overwhelming house crisis pricing ratio between House Prices to Yearly Salary. We all know that to stand out as a business, making wild statements can and will increase engagement, wether negative or positive, it can be beneficial for businesses to incorporate this strategy, in all self awareness it is what made me decide to make this review. I don’t see any other reason Damian Medici on behalf of Margin Finance to come onto Ten News to make these claims unless their business is simply having Cash flow issues and is struggling to stay solvent. Thus making outlandish claims against the people they’re arguing towards, in order to cause controversy. They know the housing market and the cost of living crisis exists for the middle and lower class, it’s something you have to feel and experience, these people make their money imploring fraudulent tactics and outlandish saviour claims to entice desperate people to give them their business. Nobody is saying that money cannot be saved by not spending it on things we don’t need. But that’s not the answer to everything, and this completely removes people’s need to also have entertainment and enjoyment from non essential items because that’s important too, within reason. We will be seeing this company fall off very soon, have a look at some of these reviews too, they’re very AI a generated and Fake accounts bolstering their company. Do not fall for those frauds. Also, their “business award finalist thing” if they boast about that crap, those things are bought not earned.

Chelsea Josh Admin

Couldn't recommend them more. We spent over a year looking for a property, and Andrew was with us every step of the way. As a first time buyer I had a lot of questions as the whole process was new to me, and was always met with clear explanation and re-assurance.

Chelsea Smith

We’ve worked with Margin Finance for our home loan, refinancing, and most recently, an investment property — and every time, the experience has been outstanding. The team is professional, knowledgeable, and genuinely committed to getting the best outcome. They made the entire process smooth and stress-free, always keeping us informed and supported. We couldn’t recommend them more highly. Thank you for helping us build our future with confidence! Thanks to Damian and the team!

THE MEANS TO OVER 45 LENDERS

Frequently Asked Questions

Margin Finance

What is a Mortgage Broker?

A Mortgage Broker is a professional who acts as a middleman between borrowers seeking a mortgage loan and the financial institutions providing these loans. They help you find the right mortgage loan from various lenders, offer personalised guidance, and negotiate favourable terms. Mortgage brokers simplify the application process, have access to multiple lenders, and can save you time and effort.


Margin Finance

How do Mortgage Brokers get paid?

Our services are free. You don’t pay us. The bank or lender does at no cost at all to you. Mortgage Brokers are paid an upfront commission and a trail payment. The upfront commission is a one off payment that is paid to us by the lender/bank we refer your loan to (usually between 0.65% to 0.7%) as we do all of the legwork to get your loan approved. A ‘trail’ or ongoing commission is also paid by the lender to us which is an ongoing commission (usually around 0.15% p.a.) based on the balance of your loan. There may be occasions where you may be charged a fee by your broker. Terms, conditions and normal lending criteria apply. This generally occurs if we are dealing with a complex file that will require well above the standard amount of time to complete the file. If Margin Finance believes a fee will need to be charged, this will always be communicated to you before proceeding.


Margin Finance

Why should I use a Mortgage Broker if I can just go direct to the bank?

When you visit a bank directly, they will only be able to sell you a loan or product that they have. When you visit a mortgage specialist like Margin Finance, we find you the perfect loan out of 40 different lenders. You may believe that a certain bank is right for you, but how do you know that if a mortgage specialist has not assessed you?


Margin Finance

What documents are needed to apply for a mortgage?

The main documents you will need to provide to get a home loan are:

- Proof of identification: passport, driver’s licence, birth certificate

- Income: recent payslips, tax returns

- Expenses: a detailed list of your monthly expenses from subscriptions to petrol costs

- Assets: ownership details for other properties, cars, savings

- Liabilities: statements for any existing debts

When dealing with us, we will inform you specifically of all of the information we need to work on your mortgage.


Margin Finance

How much can I borrow?

Your borrowing capacity is an important number and can differ a lot between banks. You can use our borrowing power calculator here which will only give you a rough estimate of your borrowing borrow. You should always speak with a Mortgage Specialist to discover how much 45 lenders will lend you. The factors that determine your borrowing power are:

- Income

- Expenses

- Debts

- Dependents

- Purchasing costs

- Savings and Equity


Margin Finance

What should I speak to a Mortgage Broker about?

At Margin Finance, we encourage you to speak to us even before you are ready to buy a property. Speaking with a mortgage specialist will allow you to understand your borrowing capacity and your likelihood of being approved. If you want to buy a property in 6-12 months, speaking with a broker now can help you identify your position and if your situation aligns with your goals. We help clients at all different stages of their journey. If you are unsure when you should be coming to see us, simply ask. You have nothing to lose, and so much to gain, by contacting a broker. Our services are free and we are full of information to pass onto you.