Welcome to Aqua Home Loans

Mortgage brokers servicing Manly, Dee Why, Freshwater & Sydney’s Northern Beaches
Your Local Partner for Life’s Big Moves – Right Here on the Northern Beaches of Sydney
Aqua Home Loans is a boutique Mortgage and Finance broker based in Dee Why on the Northern Beaches of Sydney. With access to over 80 lenders, we are able to provide our clients mortgage options from some of the most competitive and flexible lenders in Australia. Despite being based on the Northern Beaches, we have been serving our clients successfully Australia wide and overseas for many years.
Call us on 0478 417 425
Or send us an email at m
We’re open 9 am to 7 pm weekdays and 9 am to 4 pm Sat, but also happy to arrange other times by appointment.

We can help you get started
Select the segment that best matches your needs. Fill out our straightforward fact-finding form to expedite the approval process for you.
Why choose us
Why us
Discover why we are a trusted partner for the finance needs of so many Australians.
Industry experience
With experience in both the Australian and UK mortgage industry, we have the expertise to navigate complex situations and find the right solutions for you.
Client focused
We prioritise understanding your financial situation and goals to provide personalised mortgage solutions that align with your vision.
Accountable
Our commitment to accountability means you stay informed every step of the way, ensuring peace of mind throughout your journey.

Are you paying too much for your current home loan?
We’ll review your current mortgage and see if there’s an opportunity to cut costs. A quick check could mean big savings over the life of your loan – sometimes even tens of thousands of dollars.
Ready to find out? Get in touch with us today and take the first step towards a smarter home loan.
Our services
Our team of brokers is dedicated to supporting you from your initial inquiry all the way through to the finalisation of your loan. They will ensure you have a clear understanding at every stage, helping you secure a loan that perfectly aligns with your needs.
With access to over 80 lending partners, we are committed to finding a home loan that perfectly fits your unique needs.












Our featured customer reviews
At Aqua Home Loans, your local mortgage brokers on Sydney’s Northern Beaches, we’re all about creating an experience that feels personal and stress-free.
We combine deep industry know-how with genuine care to help you reach your goals with confidence.
But don’t just take our word for it – hear directly from the people who’ve worked with us and see the difference for yourself.
Frequently asked questions
At Aqua Home Loans, we combine competitive rates with a commitment to being there for you at every stage of the loan process. Whether you’re purchasing your first home or expanding your investment portfolio, we’re here to offer guidance and support whenever you need it.
Why use a mortgage broker?
As an independent broker, we’re free to explore a wide range of lenders and products – giving you more choice and flexibility.
Our goal is simple: to find a loan that truly fits your needs, not just push a single option. We take the time to understand your goals, compare competitive offers, and recommend what works best for your circumstances – because the wrong mortgage can cost you more than it should.
We keep across the latest lender deals, so we know where you might secure a sharper rate with one institution over another. In fact, some lenders only work through brokers, meaning we can often access rates that aren’t available directly. Plus, we can negotiate with your current bank on your behalf – which could mean a better deal than going it alone.
What is the process?
We manage every stage of your loan journey – from preparing your application right through to settlement – while providing ongoing support along the way.
Our process begins with listening to your needs, gathering the right information, and assessing your financial position. From there, we compare a range of options and present tailored recommendations, highlighting competitive rates and key product features from different lenders that suit your situation. We take care of completing the application, collecting the necessary documents, and submitting everything electronically to your chosen lender.
Once your loan is approved, your part is simply to sign the paperwork to finalise your mortgage. We continue to stay involved, ensuring any additional requirements are met in the days and weeks that follow. Our commitment doesn’t end there – we keep in regular contact and review your loan each year to ensure it remains in line with your goals.
What does your service cost?
We don’t charge you anything for helping secure the right standard home loan.
At At Aqua Home Loans, we’re paid a commission by the lender once your home loan is finalised. There’s no fee for your appointment or for our service, and lenders won’t charge you extra for choosing to work with a mortgage broker.
What is Lenders Mortgage Insurance (LMI)?
Lenders Mortgage Insurance (LMI) is designed to protect the lender if a borrower is unable to repay their home loan. It’s usually required when the deposit is less than 20% of the property’s purchase price. By covering the lender’s risk, LMI allows borrowers to secure a home loan with a smaller deposit, making it possible to enter the property market sooner. Although it benefits the lender, the cost is paid by the borrower and can often be added to the loan amount.
It’s important to note that LMI does not provide any protection for the borrower – its purpose is solely to safeguard the lender from potential loss if the loan is not repaid.
Get in touch!
If you would like to know more about any of our services or have a questions about an existing loan, please complete the form and we will be in touch shortly!














