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It starts with a coffee. ☕
We understand that knowing where to start can feel daunting. Finance conversations are often the ones people put off - too busy, too much paperwork, not sure what to ask, unsure if “now” is the right time.

We h

At Shorebreak Finance, everything we do is guided by a clear purpose:

Our Mission
To empower people to build a lasting legacy through tailored strategies and comprehensive support. We form trusted relationships and align our services with your finan

Smart finance doesn’t always mean taking out a personal loan.

When Brooke came to us to purchase a new car, she knew what she didn’t want — high personal loan interest rates or dipping into hard-earned savings. As a self-employed c

Welcome to the team, Hayley!
We’re delighted to welcome Hayley Alchin to Shorebreak Finance as our new Client Services Officer. Hayley brings more than 15 years’ experience as an Executive Assistant, supporting high-performing leadership

Rachel and Josie headed to Nowra this morning to attend the @shoalhavenbusinesschamber @shoalhavenchamberwib Women in Business Coffee Catch Up at @theteaclub_nowra. It was a lovely morning meeting other women in business in the local area and learnin

⭐ Customer satisfaction is our number one priority ⭐
We’re proud to hold a 5-star Google Review rating, and we work hard to ensure every client interaction is clear, supportive and genuinely positive - from the first conversation through to set

RBA Cash Rate Update | First Meeting of 2026 sees rate rise.

At its first meeting for 2026, the Reserve Bank has announced a 0.25% increase to the cash rate, taking it to 3.85%

If passed on by lenders, this may mean higher repayments for borrowers.

We’re proud to be a sponsor of the 138th Berry Show - an event that means a great deal to our team and our community.

Shorebreak has strong ties to the rural heart of our region. Rachel has a lifelong involvement in equestrian sports, and Josi

More Than Lending. We Build Legacies.

At Shorebreak Finance, our vision reflects our belief that finance should do more than just get you into a property. It should support your life, your family, and your long-term goals.

Whether it’s your f

Already own a home? Have you considered what your equity could mean for you?

With property prices rising in many areas, a lot of home owners now have more usable equity than they realise. And that equity can open up some great options - from refinan

Keep in touch.

First Name

Last Name

Email Address

Thank you!

Email:hello@shorebreakfinance.com.au

Phone: 0476 543 778

Address: Unit 10, 97-99 Queen Street, Berry

Hours: 24/7

Ratini Financial Services Pty Ltd

Trading as Shorebreak Finance

ABN 63 670 520 420

Credit Representative Number 551952 is authorised under Australian Credit Licence Number 388570.