Smart lending that supports your goals, not just your loan.

Borrowing money is about far more than interest rates. It is about choosing a lending structure that supports your long-term goals, keeps your cashflow steady and gives you room to grow.

Our lending team helps you find the right loan for your situation, protect your home or investment assets, and make decisions that fit seamlessly within your broader financial plan. Every step is designed to help you feel informed, supported and confident.

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How the right lending structure supports your future.

The right lending structure helps you enjoy your home, upgrade when the time is right or grow into the next stage of life with confidence.

It also manages cashflow, protects your assets and ensures your loan works for the lifestyle you want today and the goals you hope to reach tomorrow.

We take the time to understand your needs, responsibilities and plans so we can shape lending advice that keeps you in control and supports your broader financial strategy at every step.

Tailored Lending Solutions

The right loan structure helps you move forward with confidence. We offer clear, practical guidance across every major area of home, investment and business lending.

Home Loans

Support to secure the right home loan for your situation, whether you are buying your first home, upgrading, downsizing or relocating. We help you compare lenders, structure repayments and understand features such as offset accounts and redraw.

Investment Lending

Strategic lending for property and other investments, aligned with your wealth plan, tax position and appetite for risk. Our focus is on sustainable borrowing that works with your long term goals.

Refinancing & Debt Optimisation

Review of your existing loans to check rates, fees and structure. We identify opportunities to simplify debts, improve cash flow and reduce interest without losing important features.

Construction & Renovation Finance

Funding solutions for building, extending or renovating a home or investment property. We help you navigate progress payments, valuations and lender requirements so the project stays on track.

Business & Commercial Lending

Tailored lending for business owners, including working capital, equipment finance and property held within business or investment structures. Advice is coordinated with your accountants and wider strategy to support healthy growth.

The Lakeside Difference.

  • Strategy built around your life

    Every lending decision is part of a bigger picture.
    We take the time to understand your goals, timelines and responsibilities so your loan structure supports the life you’re building, not just the home you’re buying.

  • Active support as things change

    Life moves, and lending needs can move with it.
    Whether interest rates shift, your income changes or you’re considering refinancing, we review your options and help you stay in a strong, comfortable position.

  • A connected approach across all areas

    Your lending doesn’t sit on its own.
    We work closely across our wealth, insurance, legal and accounting teams to ensure every decision fits seamlessly into your wider financial strategy.

As life changes, your lending should keep up.

Interest rates move, incomes rise and fall, families grow and priorities shift. All of these can be gentle signs that your loans may no longer be the best fit.

If your repayments feel tight, a fixed rate is ending, you are planning a renovation or simply have not reviewed your lending for some time, a fresh look can bring clarity, savings and peace of mind. We are here to help you check that your loans still support the life you are working hard to build.

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Client stories.

  • When you are looking for trust in a mortgage broker, Lakeside Financial are your people! I had an exceptional experience from beginning to end. They made the entire process seamless and easy. They made sure I was aware of everything up-front and talked me through the process in great detail - I was never left feeling unsure. They went above and beyond to deliver the best loan options for my situation and communicated with me every step of the way. Highly recommend you check these guys out for your mortgage broking needs.

    - Casey Evans

  • I used Lakeside Financial to buy my first home and couldn’t be happier with the experience. They were incredible to deal with and really went above and beyond to make sure everything ran smoothly. They were always quick to respond, explained things clearly, and made the whole process a lot less stressful than I expected. As a first-time buyer, I had a lot of questions, and they were patient and helpful every step of the way. Would definitely recommend them to anyone looking for reliable and supportive brokers.

    - Georgia Nelson

  • I had an outstanding experience working with Lakeside for my mortgage broking needs. From start to finish, they made the entire process seamless and stress-free. They are incredibly knowledgeable, approachable, and always took the time to explain every step in fine detail, ensuring I was understanding the process along the way. They went above and beyond to find the best loan options for my situation and worked tirelessly to ensure everything stayed on track. Communication was maintained consistently during what can be a daunting process. I felt confident and supported the whole way through. I honestly can’t recommend them enough.

    - Lucy Anderson

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FAQs

How do I know how much I can borrow?

Your borrowing capacity depends on your income, existing debts, living costs, savings history and the type of property you are buying. We work through your numbers with you, explain what lenders look for and help you understand a comfortable level of borrowing for your situation.

Should I fix my interest rate, stay variable or use a combination?

There is no single right answer. It depends on your cash flow, risk comfort and plans over the next few years. We explain the pros and cons of fixed, variable and split loans in plain language so you can choose an option that feels right for you.

What is an offset account and how can it help me?

An offset account is a transaction account linked to your home loan. The balance in the account reduces the interest charged on your loan, while still giving you everyday access to your money. Used well, it can help you pay your loan off sooner without locking away your funds.

Can you help if I am self employed or have complex income?

Yes. We regularly work with business owners, contractors and people with multiple income sources. We help present your situation clearly to lenders and identify which options are most suitable for your structure and cash flow.

How often should I review my loans?

We suggest a review at least every one to two years, or sooner if your circumstances change, a fixed rate is ending or you are thinking about buying, selling or renovating. A quick check can confirm that you are still on track or highlight opportunities to improve.

Start your financial journey with confidence.

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