Whatever You’re Planning, Let’s Talk Finance

Buying your first home, refinancing, investing, building or growing a business? Whatever your next move looks like, having the right finance behind you can make a big difference.

At Shorebreak Finance, we help you understand your options, compare suitable lenders and find finance that works for what you’re trying to achieve — now and into the future.

Based in Berry and working with clients across the South Coast, Shoalhaven and Illawarra, we're here to make the lending process clearer, simpler and a little less overwhelming.

Home Loans

Buying, moving or looking for a better home loan? We’ll help you find the right fit.

First Home Buyer Loans

Buying your first home? We’ll make the finance side simpler, from pre-approval to settlement.

Refinancing

See if your current home loan could be working harder for you with a personalised loan review.

Investment Loans

Planning your next property investment? Get the right finance behind your property goals.

Construction Loans

Building or renovating? We’ll help you navigate construction finance from approval to completion.

Commercial Finance

Whether you’re buying commercial property or growing your business, we’ll help you finance what’s next.

SMSF Loans

Looking to invest in property through your SMSF? We’ll help you navigate the lending side with confidence.

Specialist Lending

When your circumstances don’t fit the standard lending box, we’ll help you find a way forward.

Self-Employed Home Loans

Self-employed? We’ll help you navigate the lending process and find options that suit how you earn.

Asset & Equipment Finance

Get the vehicles, machinery or equipment your business needs without putting your plans on hold.

Book a FREE Consultation

How We Make Finance Simpler

A home loan or finance application isn't just about finding a competitive interest rate.

How much you can borrow, how your loan is structured, the features you need and what you plan to do next can all influence which option is right for you.

That's why we start by understanding the bigger picture.

Start With a Conversation

Tell us where you’re at and what you’d like to achieve. You don’t need to have all the answers, we’ll help you understand your options and what comes next.

See What’s Possible

We'll assess your circumstances, explore suitable lenders and explain your options in straightforward terms so you can make an informed decision.

Leave the Legwork to Us

Once you're ready to move forward, we'll help with the application and work with the relevant parties to keep things moving through to settlement.

And when your plans change? We're here for the next move too.

Your Local Mortgage & Finance Team

Shorebreak Finance is based in Berry and works with home buyers, homeowners, investors and businesses throughout the South Coast, Shoalhaven and Illawarra.

Our clients come from communities including Berry, Nowra, Bomaderry, Gerringong, Kiama, Shellharbour, Wollongong and Ulladulla — as well as further afield.

Wherever you're based, you'll have a team that takes the time to understand what you're working towards and helps make the finance process easier to navigate.

See How We Can Help

Not Sure What You Need? Start With a Coffee.

You don't need to have a lender picked out, know exactly how much you can borrow or have your finances perfectly organised before talking to us.

Tell us what you're thinking about doing.

We'll help you understand where you stand, what options may be worth considering and what your next step could look like.

No pressure. No obligation. Just a conversation about where you want to go from here.