Find your low rate home loan

Mortgage Broker Wollongong | Access to over 25 lenders and hundreds of loans from Australia's leading lenders

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Thank you for contacting Embrace Financing

Illawarra Mortgage Broker

Access to over 25 Leading Lenders

Secure and Confidential

Ready to apply or want pre-approval?

Send an online enquiry or call 0417 213 376 to make an appointment

Buying my first home

Buying your first home is exciting but can also feel a little overwhelming.

At Embrace Financing we will guide you through the entire home buying process. We are here to help get you into your dream home sooner.

Some helpful resources to get you started:

How much can i borrow

Which home loan features are right for me

My  property inspection checklist

What is an offset account and do i need it

Five questions potential first-home buyers should ask themselves

Refinancing my existing home loan

There are many reasons why you may consider refinancing:

✔ Reducing your repayments

✔ Pay off your home loan sooner

✔ Leveraging the equity on your property to buy that new car or family holiday

✔ Borrowing additional money for renovations

Rates are at a historic low and now is the perfect time to review your home loan options. 

Helpful resources

What you need to know about refinancing

Borrowing money for renovations

Tips to paying off your home loan sooner

Buying an investment property

Investing in property can be key step in establishing your long term wealth.

When choosing a loan for your investment property, we want to ensure you’re well informed every step of the way, so you can choose the right loan for your needs.

Helpful Recources:
10 tips for choosing an investment property

Access to some of Australia's Leading Lenders

Why Embrace Financing

Free Consultations

I'll help you understand how much you can borrow and provide expert advice throughout the home loan process.

Hassle Free Experiance

I will complete all the paperwork and do the running around while keeping you up to date every step of the way.

Competitive Rates

We compare over 25 lenders and hundreds of loans for you to find you a great deal and a competitive rate


I will help you get pre-approval for your home loan so you can buy with confidence.

Ongoing Support

I am committed to ensuring your loan is right for you through the entire life of the loan. 

What our customers are saying

Debra T.

"Totally would recommend Embrace Financing to anyone. Caroline was absolutely amazing & I felt she went above & beyond to help me buy a home. Being a single mum, it was extremely difficult to get a loan from any major banks, even though I had a reasonable deposit. Finally after almost 12months, I am now paying off my own home all by myself.🙂"

Stacey G.

"Caroline went above and beyond helping us from the very first appointment. We had multiple hurdles and she handled every one just amazingly, nothing was too difficult. Her communication was spot on always keeping us in the loop. I can not recommend Caroline highly enough her professionalism is second to none. We can’t thank her enough!"

Resource Center

4 questions every property buyer should ask their real estate agent

If you are buying a new home or investment, chances are you will be attending a lot of open houses and meeting a lot of real estate agents. Finding the right property involves time and research, soRead more

Behind the curtain: what drives RBA decision making?

The RBA’s decision to hold on interest rates gives us time to take a deeper look at what is going on. After all, there could be further cuts. What drives the decision making? What could send ratesRead more

7 ways to minimise debt in preparation for a mortgage

While you don’t need to be debt-free to secure a mortgage, you do need to demonstrate that you’re responsible with your finances. This means steadily paying down existing debt and savingRead more

Four must-haves for your next property inspection

You’re walking down the street when you see it – the perfect house. It’s charming, quaint and, okay, maybe a bit small, but you’re sure you could extend it later. But before you sign on theRead more

10 renovation ideas that can increase your home’s value

Taking care of basic maintenance tasks before you sell your home is a no-brainer, but a quick and not-too-costly renovation can add a lot of appeal for potential buyers, and may boost the final saleRead more

Understanding which home loan features are right for you

Loans are by no means ‘one size fits all.’ Different loan types suit different age groups, different living situations and even different attitudes to money. A common trap some home-owners fallRead more

Refinancing could save you thousands – and give you greater flexibility

What is refinancing? Refinancing is the process of replacing an existing loan with a new one. When it comes to home loans, it means your existing home loan is paid off and replaced with a new one.Read more

Money-saving SOS: Effective tips to help land that home loan

Looking to enter the property market and worried about how you’re going to secure your first home loan? It’s time to start making your money work for you so you can land that loan. Qualifying foRead more

Easy ways to brighten up your home

Most people want their home to be light, bright and airy, but sometimes the stars just don’t align and you can end up with rooms that are unavoidably dark – low on windows or facing away from theRead more

To offset or not to offset

Is having an offset account really worth it? The answer is, it COULD be. There are a number of things you need to be aware of when it comes to offset accounts. Basically an offset account means thatRead more

Five simple ways to declutter your home

Love it, use it or lose it. 1. Form and Function: Is it broken or damaged? If it mattered, wouldn’t you have fixed it by now? Get rid of it! 2. The two-year rule: You say you haveRead more

5 top online homeware stores

When it’s time to deck out your new home, make sure your laptop’s fully charged and you’re ready for some high-powered online shopping. You could bag a bargain, and maybe even get some designRead more

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