More than a loan. A strategy built around your life.
The loan structure you choose affects you for years. We look at your full financial picture before recommending anything.
Full market comparison
We compare home loan options across 40+ lenders and hundreds of products — not just the first option that fits the brief.
Structure that serves your goals
Fixed, variable, split, offset — we look at your income, your cash flow, and where you want to be in five years before making a recommendation.
Managed start to settlement
We handle the application, liaise with lenders, manage deadlines and make sure nothing stalls at a critical moment. You make the decisions. We handle everything in between.
For buyers who want the right loan, not just any loan.
We work with buyers at every stage — purchasing your first home, upsizing, downsizing or refinancing a loan that no longer fits your situation.
Simple. Practical. No surprises.
Book a free consultation
No paperwork, no pressure. Just a conversation about where you are, what you are looking for and what is possible. We can meet in Berry, over the phone or by video.
We assess and compare
We review your full financial picture, assess your borrowing capacity across multiple lenders and compare options to find the right structure for your situation.
We manage it through to settlement
Once you are ready to proceed, we manage the application, liaise with the lender and make sure everything moves smoothly from approval to settlement.
What our clients say.
“Ron and his team have been incredibly efficient and so easy to deal with. We had our loan approved in less than 2 weeks from start to finish and the money is already in our account. The process was simple and streamlined. Nothing was a hassle. I can't recommend these guys enough!”
— Jess R., Google review“I would like to commend Chris on all his hard work and effort making this loan possible for me. He went above and beyond to help in every way he could and I am very grateful. He kept me informed every step of the way and made the process as smooth as possible. 5 stars would not be enough for the magnificent job he did. I would recommend Chris 100% anytime.”
— Ivanka P., Google review“Ron and Josie and the team at Shorebreak have really been excellent throughout my property buying process. They are genuine, get things done fast and are always quick and easy to communicate with. They got me a great result with my loan. Highly recommend.”
— Reinaldo C., Google reviewWhat buyers ask us most.
How much deposit do I need to buy a home?+
The standard is 20%, but many buyers purchase with less. With a 5% deposit you will typically pay Lenders Mortgage Insurance unless you qualify for a professional LMI waiver or scheme like the First Home Guarantee. We assess your specific situation and find the most realistic path forward.
Is it better to fix or go variable?+
It depends on your situation, your risk tolerance and your plans. Fixed gives you certainty. Variable gives you flexibility — including offset accounts and extra repayments. We walk you through both in the context of your goals, not as a generic explainer.
What does a mortgage broker cost?+
Our initial consultation is free and in most cases our service costs you nothing. We are paid a commission by the lender when your loan settles. We will always disclose this clearly and recommend what is right for you, not what earns us the most.
How long does it take to get a home loan?+
Every application is different and there are factors outside our control — lender turnaround times, valuations and your own documentation. We set realistic expectations from the start and stay across the process so you are never left guessing.
Can I refinance if I am still on a fixed rate?+
Possibly — but there may be break costs involved. We review your current loan, calculate whether switching makes financial sense and only recommend moving if the numbers support it.
Everything covered, start to settlement.
Not just home loans.
We help South Coast clients across a range of lending needs — from refinancing and self-employed loans to investment finance and construction.
Refinancing
Is your current loan still the right fit? We review your structure and compare the full market before recommending any move.
Self-Employed Home Loans
Standard applications do not always work for ABN holders and sole traders. We know which lenders understand how self-employed income actually works.
SMSF Loans
Buying property through your self-managed super fund requires specialist lending. We know which lenders are active in this space and what you need to have in place.