My name is Caroline Lima, the owner of Embrace Financing. I love being a part of someone's journey, whether it is buying your first house, getting that new truck for your business, finally building your dream home, or even simply saving you on interest charges so you can use your money for more important things. 

To achieve this, we have access to over 25 lenders and hundreds of loans to find you the right home loan. I will help you with the whole process including determining your borrowing capacity, deciding what loan features work out best for you and negotiating a great rate with the lenders.


Mortgage Broker | Wollongong
Caroline Lima | Mortgage Broker

Our Services

  • Home Loans
  • Refinancing
  • Investment Loans 
  • First Home Buyer Home Loans 
  • Unlocking Equity
  • Car Finance
  • Commercial Property Loans and Business Finance 
  • Asset Finance 
  • Construction Loans 
  • Debt Consolidation

Book a free appointment below

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Our commitment to you

Keeping it simple

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

Free Consultations

Free consultations.  I'll help you understand how much you can borrow, what your repayments would be and explore  loan options from a range of lenders.

Competitive Rates

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

Expert Advice

You will receive expert  advice for all your home loan and other lending needs.

Pre-Approval

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 throughout the application process and through the entire life of the loan. 

Access to some of Australia's Leading Lenders

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

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

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