Mortgage Broker in Wollongong

Looking for a trusted mortgage broker in Wollongong? Shorebreak Finance helps local home buyers, homeowners and investors secure the right home loan with confidence. Whether you're buying your first property, refinancing to a better rate, upgrading your family home or expanding your portfolio, we make the process simple, stress-free and guided by clear, proactive communication.

We proudly support clients across Wollongong, North Wollongong, Woonona, Corrimal, Fairy Meadow, and the wider Illawarra region.

  • Why Choose Shorebreak Finance as Your Wollongong Mortgage Broker

    The Wollongong property market is competitive and fast-moving, making expert lending advice more important than ever. Clients choose us because we provide:

    Personalised loan recommendations based on your goals

    Access to a wide lender panel, including major banks and non-bank options

    Fast pre-approvals so you can make stronger offers

    Clear, friendly communication throughout the entire process

    A local understanding of the Wollongong market

    Ongoing support, including annual loan reviews

    We take the stress out of dealing with banks and paperwork — so you can focus on securing the right home.

  • First Home Buyers in Wollongong

    Wollongong is a growing hub for first-home buyers thanks to its affordability, beaches, lifestyle and proximity to Sydney. We support FHBs with:

    Accessing the First Home Guarantee (FHBG)

    Understanding stamp duty rules and exemptions

    Calculating borrowing power

    Preparing documentation for fast approvals

    Choosing lenders suited to first-time buyers

    Our goal is to make the buying process simple and supported — especially if it’s your first time.

  • Refinancing Options for Wollongong Homeowners

    Refinancing can help you:

    Lower your repayments

    Shorten your loan term

    Consolidate multiple debts

    Move to a more flexible loan option

    Access equity for renovations or investments

    We conduct a full comparison across multiple lenders to ensure you're getting the most suitable option.

Wollongong Property Market Snapshot

Wollongong is known for:

  • Strong long-term capital growth

  • High demand from professionals, families and Sydney commuters

  • A consistent rental market

  • A blend of unit, townhouse and freestanding home opportunities

This makes Wollongong one of the most resilient and in-demand property markets in the Illawarra.

Our Simple 3-Step Home Loan Process

  • Discovery & Strategy

    We get to know your goals, financial position and property plans.

  • Compare & Apply

    We compare hundreds of loan products and handle the entire application process.

  • Approval & Settlement

    We liaise with the lender, solicitor and agent to ensure a smooth settlement — and continue to support you well beyond the handover.

Frequently Asked Questions

Is there a cost for your service?

Our service is typically at no direct cost to you because we are paid by the lender after settlement.

Do you only work with major banks?

No, we work with a wide panel including banks, credit unions and non-bank lenders.

How do I start the process?

Simply book a chat and we’ll guide you from there.

Book Your Complementary Strategy Call

If you’re ready to take the next step towards buying, building or refinancing in Wollongong, we’d love to help.

Book a free strategy chat with Shorebreak Finance today.
We’ll guide you through the process and help you secure the right home loan with confidence.

Book Now