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WELCOME

We are Sydney’s fastest growing mortgage brokerage.

Founded in 2013, we have built a powerful team with a real focus on delivering outstanding customer service and carefully considered, strategic home loan advice.

We have the knowledge and expertise to find the right home loan for your unique needs.

We’re so much more than just low rates, and it is our absolute passion to help you maximise opportunity and grow your wealth.

Helping you create wealth

We founded Shore Financial because we realised that many time-poor Australians were buying property without adequate advice, their loans were structured poorly, and they were unable to make the best of the amazing opportunity property ownership can bring.

They simply weren’t being serviced by specialists with strategic home loan and financial services knowledge.

OUR PASSION

Using strategy to get you into the perfect home loan for your unique circumstances.

Step 1

Reach out to
one of our brokers

Step 2

We assess your financial situation

Step 3

Let us do the leg work in getting you approved

Step 4

We'll always make sure your loan is right for you

"Many clients report that they like the discretionary terms and pricing we’re able to negotiate, and they often say that dealing with us is like having their own private banker, with the added benefit of continuity."

Our Clients

Our clients are hard-working Australians ready to build their wealth, and are tired of being dictated to by the banks.

They’re time-poor and seeking clarity, service, convenience and communication. And they’re trying to do more and be more – and they realise they need a proactive, premium brokerage service that can provide a clear strategy to grow their wealth.

Strategic partnerships at every turn

We’ve built a solid strategic partnership network around the country so we’re able to quickly and efficiently put you in touch with the right people at the right time.

Our network includes real estate agents, buyers’ agents, valuers and conveyancers. We’ll help you find areas that are undervalued, have a strong yield, consistent growth, good infrastructure and will deliver the best returns.

We offer a carefully considered, strategic and complete solution to growing your wealth through property.

Fast, agile transactions

You’re probably tired of dealing with the banks. We certainly are.

We live in an age where the banks are making everyday Australians jump through hoops to get finance.

Shore Financial has the advantage of being able to transact quickly and with agility, so you won’t miss out on that home or investment property you have your heart set on.

Client-centric and service driven

Our proactive brokers and financial advisors are in the office early and they’re here until late.

Customer service is crucial to the team at Shore Financial, and we strive to continuously and purposefully find the best outcome for each client.

Benefits of using a Mortgage Broker

What is a mortgage broker?

A mortgage broker is a financial intermediary that assists individuals & companies in obtaining the best possible mortgage terms and interest rate for the borrower. They save a borrower time and effort during the application process, and potentially a lot of money over the life of the loan. At Shore Financial we work with over 70 lenders to ensure we find the most suitable lender and product for our clients.

Are mortgage brokers regulated in Australia?

Yes, mortgage brokers are highly regulated in Australia. They are regulated by the Australian Securities and Investments Commission (ASIC) under the National Credit Act. Mortgage brokers must either hold an Australian credit license or be an authorised credit representative of a mortgage aggregator that holds an Australian credit license. Shore Financial holds its’ own Australian credit license.

In addition, ASIC has published regulatory guidance to assist in the application of Best Interests Duty for mortgage brokers, which came into effect in 2021 and requires that mortgage brokers act in the best interests of consumers and prioritise their clients’ interests when providing credit assistance.

Is it expensive to use a mortgage broker?

Mortgage brokers do not charge a direct fee for their service to their clients. Lenders pay mortgage brokers a commission based on the size of the loan.

What are the benefits of using a mortgage broker over going directly to a bank?

There are several benefits of using a mortgage broker over going directly to a bank:

  • Access to a range of lenders: Mortgage brokers have relationships with numerous banks, credit unions, and non-bank lenders, which means they can shop around on your behalf to find the best deal that suits your specific financial situation and requirements.
  • Expertise and guidance: Mortgage brokers can guide borrowers through complex loan terms, interest rates, and government regulations. Their insights help borrowers make well-informed decisions and understand the intricacies of mortgage options.
  • Time and convenience: Engaging a mortgage broker can save borrowers a substantial amount of time and effort. Instead of approaching multiple banks individually, a broker streamlines the process by presenting the most suitable options, thereby expediting the loan application process.
  • Negotiation: Mortgage brokers can negotiate with lenders on your behalf, potentially securing better interest rates and terms than an individual might be able to on their own.

How does a mortgage broker find the best loan product for their clients?

Mortgage brokers use specialised software to access the latest loan information across a range of lenders and match this against your individual situation and goals. They work with you to understand your requirements and goals, work out what you can afford to borrow, and find options to suit your situation. They also explain how each loan works and what it costs, including interest rates, features, and fees.

Australia's #1 Mortgage Brokerage