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Lending isn’t just about securing loans. It’s about helping you move toward the life you want – on your terms.
Award-Winning
Excellence
4.8 
Google rating from 300+ reviews
49
Local Adelaide
advisers
Whether you’re buying, selling, investing, renovating or want to free up finance, Coastal Lending makes the process simple and stress free.
Whether you’re just getting started or refining a sizable portfolio, we provide expert investment strategy advice so you can build real wealth.
Here’s What The Right Strategy Can Give You
Lending Advice, done right
Trying to navigate towards your goal today can be stressful.
We evaluate all the possible lending alternatives available and recommend a strategy that suits your needs
Stress‑Free, Simple Finance Process
We help clients navigate buying, selling, investing, renovating or freeing up finance with ease.
Expert Guidance + Strategy
We evaluate all possible lending alternatives and recommend a finance strategy that matches your needs quickly and professionally.
We Work for You, Not the Banks
We compare 1,000+ loan products on the Australian market to secure the best possible deal for your goals – giving you more choice and negotiating power.
End‑to‑End Process Management to respond to changes
Our team at Coastal Lending handles lender negotiations, paperwork, and loan processing so you don’t have to – saving significant time and reducing stress.
Long‑Standing, Local Expertise
Ultimately, the goal is to build wealth that unlocks choices; flexibility in lifestyle, earlier retirement, legacy for family or whatever matters most to you.
How to Get Started
A simple three-step process to help you take control of your financial future.
Step 1
Book your initial consultation
Choose a time that suits you and tell us a little about what you’d like support with.
Step 2
Book your initial Meet with an adviser
Meet with our team in person or online to discuss your goals, priorities, and current financial position.
Step 3
Receive a personalised strategy
We’ll guide you through the right next steps with advice tailored to your circumstances and built around your goals.
No pressure. Just friendly conversation about your goals.
We exist to give people the financial power to live completely, on their own terms.
17
Offices across
Australia
100
Professionals and
financial advisers
5K+
Australians helped
achieve their goals
Lending Advice Made
Simple, Strategic and Personal.
Home Loans
Get the right loan for the right home. We keep the process simple and smooth.
First Home Buyers
Break in to the property market and get set up for long term success.
Investment Loans
Get the right loan, with the right structure to build wealth with property.
Refinancing
Beat interest rates and stress by getting a better finance deal and consolidating debt.
Commercial Loans
Get an injection to boost your business.
Asset & Equipment Loans
Acquire an important asset affordable.
Vehicle Loans
Fund your new vehicle, and explore the potential tax benefits too.
Personal Loans
Achieve your personal goals, whether that’s a wedding, holiday or more.
Trusted. Recognised. Recommended.
Winner
RI Advice Group 2021 Platinum Club
Winner
RI Advice Group 2021 Rising Star Award – Kristy Coulin
Winner
RI Advice Group 2020 Rising Star Award – Rosie Copp
Winner
Central Coast Local Business Awards 2020 Outstanding Professional Services – Company
Winner
IFA Excellence Awards 2022 Transformation of the Year – Company
Winner
Financial Standard Power 50 2022 50 Most Influential Advisers – Daniel Brown
As Featured in
Customer Reviews On Google
Jann
Adelaide, SA
Jann
Adelaide, SA
Jann
Adelaide, SA
Jann
Adelaide, SA
Jann
Adelaide, SA
Jann
Adelaide, SA
Got questions? We have the answers.
What does a mortgage broker do?
A broker assesses your financial situation, compares products from multiple lenders, explains complex terms, and handles the application process from pre-approval to settlement.
How do mortgage brokers get paid?
Most brokers are paid a commission by the lender when your loan settles. This usually consists of an upfront commission and ongoing trail commission. They must disclose these commissions to you.
Is it better to use a broker or go directly to a bank?
Brokers offer a wide panel of lenders, while banks only offer their own products. Brokers save time by finding the best fit for your needs among dozens of lenders.
How many lenders do you work with?
Most brokers work with a panel of 15-40 lenders through their aggregator, which can include major banks, non-bank lenders, and smaller credit unions.
How much can I borrow?
This is your “borrowing capacity.” It varies significantly between lenders based on income, expenses, debts, and assets.
What is Lenders Mortgage Insurance (LMI)?
LMI protects the lender if you default on your loan. It is usually required if the deposit is less than 20% of the property value (borrowing more than 80% LVR).
How long does loan approval take?
Pre-Approval: Often instant or a few days (not binding).
Conditional Approval: Usually a few days to a week (provides more certainty).
Full Approval: Can take several weeks depending on the lender and document verification.
What documents do I need for the first meeting?
Generally, you will need ID, payslips, tax returns (for self-employed), bank statements, and details of debts/liabilities.
Are mortgage brokers licensed?
Yes. In Australia, brokers must hold an Australian Credit Licence (ACL) or be an authorized credit representative, and often belong to professional bodies like the MFAA or FBAA.
What is a “Best Interests Duty”?
Mortgage brokers are legally required to prioritize your needs above their own or the lender’s when recommending a loan.
What is a “Buffer Rate” or “Serviceability Buffer”?
Lenders test if you can afford repayments by adding a buffer (often 3%) on top of the actual interest rate to ensure you can handle future rate hikes.
What is an offset account?
A transaction account linked to your loan that reduces the interest payable by subtracting the balance in the account from your loan balance.
What is an offset account?
A transaction account linked to your loan that reduces the interest payable by subtracting the balance in the account from your loan balance.
Do you charge fees?
While many are commission-paid, some brokers charge a fee for service. They are required to disclose this to you upfront.
