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Stepping Into the Property Maze?

Securing the right mortgage involves navigating a range of complex financial decisions, and having support can make the process significantly more manageable. At Loretta Davison Financial Solutions, we offer professional mortgage broking services to clients in Austinmer, delivering tailored advice and solutions to suit individual financial circumstances. With a strong network of lenders and in-depth knowledge of loan products, we help you identify options that align with your financial goals and property aspirations.


Our service begins with a comprehensive assessment of your financial profile, including income, expenses, assets, and liabilities. From there, we guide you through the loan selection process, offering options such as fixed-rate loans for repayment certainty, variable-rate loans for flexibility, or split-rate mortgages for a balanced approach. We handle every stage of the process, from pre-approvals to settlement, ensuring all details are managed with professionalism.


With in-depth understanding of the Austinmer property market, we provide insights tailored to the region’s lending landscape. Whether you’re buying your first home, refinancing an existing mortgage, or exploring investment property opportunities, we offer support every step of the way. Call us at 0413 747 138 to discuss your needs for a mortgage broker in Austinmer.

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Services

Explore a range of home loan options in Austinmer, including fixed, variable, and split-rate mortgages. These products are designed to cater to a variety of financial needs, whether you’re purchasing a first home, upgrading, or refinancing.

Discover flexible lending solutions in Austinmer, including personal loans, car finance, construction loans, and SMSF lending. These loans offer tailored terms and structures to meet diverse financial requirements.

Why Choose Us for Mortgage Broking?

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  • Comprehensive Loan Solutions: Structuring fixed, variable, and split-rate loans to match diverse borrower profiles.
  • Extensive Lender Network: Access to a wide array of lenders offering competitive loan products.
  • Regulatory Alignment: Adherence to Australian Credit Licence standards, ensuring transparency and compliance.
  • Local Market Insights: Tailored advice based on trends and opportunities in the Austinmer property market.
  • Detailed Financial Analysis: Thorough evaluations of borrowing capacity and financial health, including debt-to-income assessments.
  • Support for Complex Needs: Assistance with bridging finance, refinancing, and investment property loans.
  • End-to-End Loan Management: Streamlined handling of applications, lender communications, and settlement processes for a seamless experience.
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Enquire Today in Mortgage Broker Austinmer

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Contact Details

By Appointment Only

Mon-Sat: 9:00am to 7:30pm
Sun: Closed

Public Holidays: Closed

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Frequently Asked Questions

  • What areas do you service in Austinmer?

    We serve Austinmer and nearby suburbs such as Thirroul, Bulli, Coledale, Wombarra, Scarborough, Stanwell Park, Clifton, Otford, and Helensburgh. If your suburb isn’t included, contact us for confirmation of service availability.

  • What is a mortgage default, and what happens if I can’t make repayments?

    A mortgage default occurs when a borrower fails to make repayments as per the loan agreement. Lenders typically allow some flexibility, but persistent non-payment can lead to serious consequences, such as:


    • Late Fees: Additional charges for missed payments.
    • Default Notices: Legal warnings requiring you to catch up on payments.
    • Credit Impact: Defaults are recorded on your credit report, affecting your ability to borrow in the future.
    • Foreclosure: In extreme cases, the lender may repossess and sell your property to recover the loan balance.

    If you’re facing financial difficulties, it’s critical to contact your lender immediately to discuss options such as repayment pauses, loan restructuring, or hardship programs.

  • What is equity, and how can I use it?

    Equity is the difference between your property’s market value and the outstanding balance on your home loan. For instance, if your property is worth $600,000 and your remaining loan balance is $400,000, you have $200,000 in equity.


    Equity can be used for several purposes, including:


    • Home Renovations: Financing upgrades or extensions.
    • Investment: As a deposit for purchasing an investment property.
    • Debt Consolidation: Combining high-interest debts into your mortgage at a lower interest rate.
    • Accessing equity often involves refinancing.

    It’s important to consult with a financial professional to determine how to use equity responsibly.

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