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.  		We first met (Sean Richardson and Denis Mulcahy ) as work colleagues over 10 years ago at mortgage management business in North Sydney.  We soon developed a mutual respect for each other’s approach to our work and our clients.  Sadly, this respect was underpinned by the fact that as a Kiwi and an Irishman, well, no-one else seemed to understand us!
Between us, we have over 20 years experience in the mortgage and finance industry.  Since establishing Freshwater Financial Services in 2003, we have assisted over 500 clients with their needs and our business has increased by more than 20% per annum over the past five years.
Our team is now complemented by Kylie Hedges, who recently joined us from a financial planning & mortgage brokerage business. Kylie brings a wealth of experience from both the finance sector and has spent a number of years as a business consultant. 
We are very capably supported by our Personal Assistant, Brenda King, who ensures the smooth running of our office in the centre of Freshwater Village.