About Us

Proud sponsors of:

• Freshwater Surf Life Saving Club
• Harbord Harlequins Rugby Club
• Harbord Kindy
• Harbord Primary School
• Mosman Rugby Club
• South Curl Curl Surf Life Saving Club

Freshwater Financial Services is committed to providing its clients with the best possible loan for their unique circumstances.

We recognise that most of our clients have different needs, different goals and different financial complexities that need to be taken into account when selecting a mortgage. We place a very strong emphasis on the analysis of our clients' situation. Learning to understand our clients is the first stage in an important process. Once we understand you, we are then in a position to be able to make a recommendation.

Our policy is to offer our clients some different loan options and not to steer you towards any particular lender or loan product.

Freshwater Financial Services services 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.

For the more complicated loan scenarios we will work with your accountant to ensure that you get the most tax effective result from your borrowings. It is vitally important to set the loan structure correctly from the outset, otherwise you may jeopardise the tax deductibility of your loans.

We aim to be able to provide loans for all circumstances. Some of the newer mortgages available include:

• 100% home loans - for borrowers with good income, but little or no savings;
• Family Guarantee loans - an ideal way to use the equity in your home to assist the kids in their first purchase;
• Reverse mortgages - for retirees wishing to use the equity in their home to enable them to redecorate, take a holiday, or to supplement their retirement funds in order to live a better quality of life.

back to top