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.
Experience
Between us, we have over 20 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.
Accessibility
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.

We have used Denis for two home loan applications and have always found him professional and great to deal with for the entire process.

Mr and Mrs B, Curl curl


As for us not having any idea about home loans at the start, the process was quite daunting to begin with but thanks to Denis’ clear, concise explanation of every step in the process – our fears soon subsided. We were always impressed by the level of the friendly and efficient service and would recommend without hesitation Denis’ expertise, professionalism and attentive manner.

Mr & Mrs B – Curl Curl


Denis and the team at Freshwater Financial Services have played an integral part in helping us achieve our home ownership goals. Denis has provided sound advice to assist us in expanding our property portfolio while ensuring that we maintain an enjoyable lifestyle.

Mr and Mrs McK – Camperdown


Denis is prompt in providing information, and is flexible – he always meets us at a time and place that suits us.

Mr and Mrs McK – Camperdown


Denis is now helping us purchase our second property, and we have no hesitation in recommending his services.

Mr & Mrs McK – Camperdown


We were 100% satisfied with Freshwater Financial Services when we recently took out our loan. We were kept updated at all stages of our loan which went through smoothly and quickly. All our calls were returned quickly and with great service. They assisted us to find the loan which matched all our needs. We will definitely be using Freshwater Financial Services again for our next loan.

Mr & Mrs W – Curl Curl

Dear Sean
We are writing to thank you for easing our pain and stress as new home owners entering a difficult market – and assisting us to navigate the bewildering array of different institutions and home loan options currently on offer.

Mr and Mrs P Harbord


We felt you made considerable effort to gain a genuine understanding of our financial situation and future goals and offered us very suitable alternative financing arrangements and explained them in a very practical way that was easy for us to understand.

Mr and Mrs P Harbord


We are extremely happy with the choice we made and are very comfortable that it has the features and options that will give us the flexibility we want while maximising our ability to achieve our goals.

Mr and Mrs P Harbord


Thanks again for simplifying and guiding us through what can be a very confusing and daunting process. Based on our experience we would have no hesitation in recommending Freshwater Financial Services to others.

Mr & Mrs P – Harbord


Hi Sean
bless the day that somehow I got your number. Thank you for everything. I will email the pictures – probably more information than you need but you should know the difference you have made to our lives.

Mr & Mrs S – Minnamurra