With over 30 years combined industry experience it's easy to see why our clients think we're the Best Mortgage Brokers in Sydney. We are mortgage finance experts with a family friendly approach to making your loans as stress-free as possible.

About Freshwater Financial Services

We recognise that most of our clients have different needs, goals and increasingly financial complexities that need to be taken into account when selecting mortgage finance.

At Freshwater Financial Services, we place a very strong emphasis on a thorough analysis of every client’s situation. A clear understanding of your position means we are best placed to make the optimum recommendation for you. This solid understanding is the first stage of an important process and is the foundation of being actively involved in your financial journey.

Freshwater Financial Services offers a broad range of solutions to service a wide range of clients, from the PAYG worker with no previous borrowings buying a first home, to the investor purchasing through a company or trust structure, those who may be seeking to upgrade a family home or empty nesters looking to downsize.

Visit our services page for detail regarding our suite of solutions.

Experience Matters

Why us?

100% Client Satisfaction

All of our business is based on referrals. We actively monitor our clients’ circumstances and maintain open communications with them. This provides them with the confidence to continue to recommend our services.


Between us, we have over 30 years experience in the industry. We offer valuable insights and advice as we have been involved in the industry during varied property and interest rate cycles both in Australia and overseas.


We service clients all over the Sydney metropolitan area. We are responsive and always meet at a time and place suitable to our clients.

Active Involvement

We take pride in developing a thorough understanding of your financial position. This is the foundation of Freshwater Financial Services being actively involved in your financial journey.

We’re on your team

We work with your accountant and solicitors to ensure your loan structure is best for your financial goals and aspirations. We provide objective advice to complement this.


Freshwater Financial Services obtained an Australian Credit License in August 2010 and was one of the first businesses in Australia to reach this standard. Visit ASIC for more information.

Australian Credit License number 377179

About our lenders

The lenders available are reviewed regularly to ensure that we are able to meet the needs of our customers.

This panel of residential and commercial lenders is made up of top 50 lenders which includes major banks, regional banks, mortgage originators, and specialist lenders.

We strive to maintain a competitive edge in today’s crowded mortgage and home loan markets.


Freshwater Financial Services has been a full member of the Mortgage & Finance Association of Australia (MFAA) since 2003. The MFAA sets the highest standards of excellence available in the mortgage industry. All MFAA members must adhere to an industry Code of Practice which requires professionalism, ethical behaviour, transparency and a commitment to you, the borrower.

MFAA advocacy and lobbying efforts strive to achieve best practice within the industry.

Freshwater Financial Services are actively involved in our community and have been 2003. We value the fact that we are fortunate enough to be able to live and work locally and it’s extremely important to us to be involved in our community.

Ready to start your journey to a stress-free loan?