What we do.

At HLS, we’re all about securing you the right finance quickly and with less stress. You don’t have time to spend on researching and making sure you understand all the finer points of finance loans. However, you still need the loan as soon as possible so you can realise your goals.

Our services.

We fill the gap between where you are now and you settling into your new home, with the right loan.

When you need new equipment for your business it needs to happen fast.

The best equipment while maximising cash flow and accessing tax benefits.

Maximise returns from your investment with the correct ‘vehicle’.

The right finance, for your business, is critical to your business’ success.

We think our clients say it best.

We’ve loved helping these clients with their finances.

After being long term tenants we decided to leave the rental market to buy our own home. We spoke to HLS and with their assistance with everything from the first home owners grant to our loan application and dealing with Solicitors and real estate agents, ensured we were in our home within 5 weeks. Thanks guys!

Wayne & Jodie, Candelo

Thank you very much for all your help and making the purchase of our new home so easy. We have moved in and are very happy with it. Feel free to drop in and have a look anytime.

Scott & Tracy, Bega

Thanks to the fast, friendly and professional service from HLS, we had our loan in days, not weeks. Thanks Bernie

Barb & Dave, Eden

We have known Bernie as a family friend for many years so did not hesitate to ask for his help with the purchase of our second home near the beach. His polite and happy manner made an intricate process very simple, stress free and manageable in a very short time. We will be using Bernie’s expertise for the purchase of our next holiday home. Thanks Bernie

Mark & Roxanne, Pambula Beach

Bernie and staff organised a difficult mortgage on our behalf back in NSW in 2015. We have since moved to Vic and are now in SA. In that time they have arranged a new mortgage in Vic and organised a substitution of security for SA. Myself and family would not be in our current secure position without the friendly help and professionalism of Bernie and Andrea. We can highly recommend Heffernan Lending Solutions to anyone in any State who is looking for a Broker to assist them in securing a new home.

Bill, Marilyn, & Kellie Eaton, Encounter Bay

After being messed around from a bank, HLS sourced a loan that suited my needs with very little stress and no hassles in a short amount of time.

Andrea, Candelo

We’ve completed our last 2 loans through Gerard Heffernan-one on our investment property and our home loan. Gerard removed all the angst from the borrowing process, he was hugely knowledgeable around the different products and thoroughly supportive through the process. I highly recommend him!

Donna & Glenn, Kambah

HLS recently refinanced our company’s commercial loan. The service provided by the team was exceptional. Their customer service was fabulous in returning all our calls, keeping us informed of all developments and from research I know they brokered us the best deal possible. Thank you!

Rod & Rosalind, Eden

I have been a client of HLS and had the pleasure of working with Gerard for years, through three mortgages and now car financing. Gerard is always responsive, never fails to get a better rate and really gets the best outcomes for clients. I’d highly recommend Gerard and HHLS to anyone looking for the best service and the best deal!

Thomas Lester

Bernie, Andrea and the team made the purchase of our first home an absolute pleasure. They went above and beyond on every level. We happily and strongly recommend HLS to everyone we speak to. Thank you all for your help and financial and business advice going forward. Golda and Aaron.

Golda Dibben

Best mortgage broking firm to work with – I highly recommend! It is always a pleasure working with Bernie, Andrea and the team – they are efficient, professional and always have the best outcome for their clients in mind. After using HLS, I would not use anyone else!

Eden P

Could not praise Bernie and his team enough!

I was told by other brokers that I would have great difficulty securing a loan for my land as it was rural, vacant and over 25 acres, and felt like I was never going to get anywhere. After expressing my concern with the sales agent, he recommend Bernie at Heffernan Lending Solutions.

From the beginning, Bernie was knowledgeable and extremely helpful. As a first home buyer, I was unsure on a lot of the processes involved in securing a loan, and every question or concern I had was answered straight away. When I told him my concern over getting a loan for the property, he put my mind to ease and ensured me there was no reason I would be ineligible.

I’m now living at my dream block and couldn’t be happier! I highly recommend to anyone in any area to get in touch with him and his team. 10/10!

Brittany Rose

HLS have my highest recommendation. They kept me informed every step of the way, emails and calls were always answered quickly. They liaised with the bank, agents and solicitors and even arranged insurances for me. The process was as easy and streamlined as it could be.

Where some others would’ve put my situation in the ‘too hard’ category, Bernie and his team made our new home possible.

I will definitely be using HLS for all my lending and insurance needs. We won’t ever use anyone else. Thanks!

Nicole Withers

Very highly recommended!

My wife and I were told by other mortgage brokers in the area that we didn’t qualify for a home loan (casual and self-employed income being the reason).

Bernie and his crew on the other hand went the extra mile. Not only were they all a pleasure to deal with, and very helpful, but Bernie was able to get us finance so we could move into our own home.

We are both very happy – and couldn’t recommend Heffernan Lending Solutions highly enough!


A big thanks to Bernie, Andrea, Cricel and the team for helping us get through the process of building our home – I don’t think we could have done it without them! Unreservedly recommend to anyone looking for a mortgage broker :)

Hannah Shaw

HLS provided us with exceptional, professional advice and service. Would highly recommend HLL to take the headache out of mortgages, refinancing. 100%!

Julie DanzeyKirk

With two mortgages and interest rates on the rise, I was looking, around for more competitive rates.
Feeling unsatisfied and somewhat annoyed with treatment from another broker, I contacted Bernie at HLS.

Bernie was able to secure me a much better rate within 24 hours with absolutely no effort from me.

Experience begets results!! What can I say but that I am very happy with that result and I won’t make that same mistake again. I am looking to buy another property in the near future – and as with my previous loans – Bernie and HLS will be my first call. Thanks again and very much appreciated.

Gerard Niemoeller

No matter what you need, our experts have you covered.

Bernie Heffernan

Director and Certified Credit Adviser

“I love helping people achieve their financial goals and some of the great relationships formed in the process!”

Gerard Heffernan

Director and Certified Credit Adviser

“I am passionate about sharing my expertise and knowledge to help achieve a great outcome for all involved.”

James Winefield

Broker Support Manager

“I pride myself on taking the hassle out of the process for my clients by finding the right solution for their needs.”

Cricel Frialde

Team Leader

“I’m proud to work in a team that focuses on best practice in taking care of client’s needs. I love getting them outcomes”

Bianca Heffernan

Admin Assistant

“I love being part of a team that guides and assists clients in finding the perfect property for their purpose and needs. It is very rewarding.”

Chai Librias

Admin Assistant

“I am delighted to work with the best people combined with helping our clients achieve their financial goals.”

Finance With Choice.

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