Houses on a hillside overlooking the beach, with rocks and two people sitting near the water, in a coastal area during daytime.

Beach with sandy shore, rocks, and ocean waves, lined with modern white buildings and apartments on a cliff overlooking the sea during daylight.

A white Mazda car parked under a raised house with a beige exterior, surrounded by trees and grass, during sunset.

Exterior view of a modern beachfront house at dusk with lights on inside, wooden deck, and ocean in the background.

Nighttime scene of a multi-story building with external staircase, lit windows, and people walking on stairs.

A panoramic view of Sydney Harbour, featuring the Sydney Harbour Bridge, sailboats on the water, and city skyline with skyscrapers under a blue sky.

Residential

We’ll make sure your new home loan suits your needs, and we can also negotiate competitive terms for refinancing your current one. As experts in property finance, we can also show you how to make the most out of your mortgage for consolidation of personal debts and smarter saving.

Commercial

Want to purchase or refinance any kind of commercial property, including factories, office suites and specialised securities such as hotels or child care centres? Our specialists can define a package that works for you, with the option to secure further funding for franchise purchases or unsecured business lending.

First-Home Buyers

Buying your first home is a milestone—exciting, proud and absolutely within reach. While the process can seem complex, it doesn’t have to be. With clear guidance at every step, you’ll understand the process and make confident decisions.

At Laurentide Mortgage Solutions, we’re in your corner. From early budgeting and property search through to approval and settlement, we manage the details and keep you informed. Because we work for you—not the lender—we compare options across 30+ lenders and structure a solution that fits your goals and budget at a highly competitive rate.

As experienced mortgage specialists, we make the journey straightforward and stress-free, so you can focus on the best part—getting the keys to your new home.

Investments

We can help individuals, companies and trusts (including SMSFs) access investment property loans, release equity from a current property, or create a competitive mortgage package to help secure your next investment property.

Home Loan Refinancing

Refinancing replaces your current home loan with a new one—often to sharpen your interest rate, lower repayments, adjust the loan term or access built-up equity.

With rates having moved significantly in recent years, a well-timed refinance can help optimise your cash flow and reduce the total cost of your mortgage over time.

As a general guide, it’s worth reviewing your home loan every 2–4 years—or sooner if your circumstances change. Lenders frequently update pricing and policies, and from time to time may run promotions (such as refinance rebates or fee waivers), making it a sensible exercise to reassess your options.

Benefits of refinancing

Potentially lower interest rates and reduced monthly repayments
Access to home equity for renovations, investment or other goals
Consolidation of higher-interest debts into one manageable facility
Option to shorten the loan term and save on lifetime interest
Flexibility to switch between variable, fixed or split structures for stability and control
Opportunity to add features like an offset account or redraw to improve cash flow

Reverse Mortgages

If you’re 60 or over and would like to boost retirement income, fund renovations or meet aged-care costs, a reverse mortgage can release a portion of your home’s equity while you continue living there.

Unlike a traditional loan, there are no mandatory regular repayments while you remain in the home. Interest is added to the balance over time, and the loan is usually repaid when the property is sold, you move into long-term care, or your estate finalises the loan. You keep ownership, remain responsible for rates, insurance and maintenance, and you’re protected by the No Negative Equity Guarantee—so you’ll never owe more than the value of your home (subject to product terms).

How it works

Who it’s for: Homeowners aged 60+ (higher ages may access higher allowable loan-to-value ratios).
How funds are provided: Lump sum, regular income, line of credit—or a mix.
Repayments: No compulsory repayments while you live in the property; voluntary repayments may be available.
End point: The loan is typically repaid from sale proceeds when you sell or move into long-term care.

Key considerations

Compounding interest: The balance grows over time, reducing your remaining equity.
Estate and benefits: A reverse mortgage can affect the value of your estate and may impact government benefits; it’s wise to seek advice and discuss with family.
Obligations: You must keep the property insured, well-maintained and up to date on rates.

Residential Property Finance

Property Purchase

Equity Release for Investment

Refinance & Low Doc

Debt Consolidation

Development & Construction

Business Finance

Franchise Finance

Business Term Loans

Overdrafts

Debtor Cashflow Finance

Inventory Finance