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A Man In A Suit Is Looking At A Clipboard In A Living Room — Loretta Davison Financial Solutions In Wollongong, NSW

Professional Mortgage Broker Services

Securing the right mortgage can be a daunting process, requiring a deep understanding of lending products, regulatory compliance, and market conditions. At Loretta Davison Financial Solutions, we provide mortgage broking services to clients in Wollongong, simplifying the complexities of home loans with professional, tailored guidance. Acting as a trusted intermediary, we connect borrowers with a network of lenders offering a variety of loan products to suit individual financial goals and circumstances.


Our process begins with a comprehensive analysis of your financial profile, including income, expenses, assets, and liabilities, to determine your borrowing capacity. We compare a range of loan options, from fixed-rate to variable-rate products, ensuring each recommendation aligns with your current and long-term financial objectives. Whether you’re seeking a pre-approval to secure your dream home, refinancing an existing loan for better terms, or exploring options for an investment property, our approach is grounded in transparency.


Navigating the Wollongong property market requires local knowledge, and our mortgage brokers are well-versed in the nuances of the region’s lending landscape. We handle every stage of the loan process, from application to settlement, providing clarity and support along the way. Call us today at 0413 747 138 to explore your mortgage options.

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Services

Explore diverse home loan options in Wollongong, including fixed, variable, and split-rate products. Structured to meet a wide range of financial scenarios, these loans cater to borrowers at every stage of property ownership, from first-home buyers to seasoned investors.

Discover flexible lending options in Wollongong, including personal loans, car loans, construction finance, and SMSF lending. Designed to address varied financial needs, these loans feature tailored repayment terms and structured solutions for different purposes.

Advantages of Our Mortgage Broking Services

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  • Custom Loan Solutions: Structuring loans to suit individual needs, including offset accounts, interest-only options, and split loans.
  • Extensive Lender Network: Access to a diverse range of lenders offering competitive mortgage products across multiple categories.
  • Regulatory Compliance: Fully aligned with Australian Credit Licence standards to ensure professionalism and transparency.
  • Local Market Knowledge: Insights tailored to Wollongong’s unique property market, providing clients with informed advice based on regional trends.
  • Detailed Financial Assessments: Comprehensive evaluations of borrowing capacity, including debt-to-income ratios and creditworthiness.
  • Support for Complex Scenarios: Assistance with bridging loans, refinancing strategies, and investment property financing for various borrower profiles.
  • Streamlined Processes: End-to-end management of applications, lender negotiations, and settlement timelines, saving clients time and effort.
A Man And A Woman Are Sitting At A Table Talking To Each Other — Loretta Davison Financial Solutions In Wollongong, NSW

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A Cannon Is Pointed At The Ocean And A City In The Background — Loretta Davison Financial Solutions In Wollongong, NSW

Enquire Today in Mortgage Broker Wollongong

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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 Wollongong?

    We service the entire Wollongong region, including Wollongong CBD, Fairy Meadow, Figtree, Corrimal, Keiraville, Balgownie, Towradgi, Coniston, Woonona, and Mount Ousley. If your suburb isn’t listed, contact us to confirm service availability in your area.

  • What documents do I need to apply for a home loan?

    Applying for a home loan requires several key documents to verify your identity, income, expenses, and financial stability. These typically include:


    • Proof of Identity: Passport, driver’s license, or birth certificate.
    • Proof of Income: Recent pay slips, employment contracts, and tax returns (especially for self-employed applicants).
    • Expenses and Liabilities: A breakdown of your monthly expenses, including utility bills, existing debts, and other financial commitments.
    • Bank Statements: Usually for the past three to six months, showing savings history and spending patterns.
    • Credit History: The lender may require a credit report to assess your borrowing behaviour.

    Preparing these documents in advance helps streamline the loan application process and ensures you meet lender requirements.

  • How much deposit do I need to buy a house?

    The deposit required typically ranges from 10% to 20% of the property’s purchase price. For example, a property valued at $500,000 would require a deposit of $50,000 to $100,000.


    If you have a smaller deposit, some lenders may still approve your loan, but you may need to pay Lenders Mortgage Insurance (LMI). First-home buyers may also benefit from government grants or schemes that allow for a smaller deposit. Building a larger deposit can help reduce your loan-to-value ratio (LVR), potentially resulting in better interest rates and avoiding LMI.

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