About Foundation Finance
Finance made simple, for every stage of life
At Foundation Finance, our mission is simple: to make finance feel straightforward, personal and empowering. We know that buying property or refinancing isn't just about numbers — it's about creating security, building wealth and setting up the future you want. What makes us different is our commitment to relationships: we don't see clients as transactions, we see them as long-term partners.
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Meet the team
James Waters
Mortgage & Finance Broker
James brings a decade of experience in real estate and strata management to his role as a mortgage broker, giving clients insights that go well beyond finance. Having personally bought, sold, renovated and refinanced property as both a homeowner and an investor, he understands exactly what it feels like to be on the client's side of the process. Based in Melbourne and working with clients Australia-wide, James helps first home buyers, upgraders, refinancers and investors — keeping things simple and personal, with clear advice and tailored strategies.
What we stand for
On your side
We work for you, not the lenders, to find finance that genuinely fits.
Plain English
No jargon, no fluff — just clear advice you can act on.
For every stage
First home, next home, investment, business — one broker for the long run.
Trusted & accredited
MFAA & AFCA — and we keep your data safe.
Ready to get started?
Get tailored finance advice with no obligation. We'll get back to you fast.