You’ve got questions,

Heffernan Lending Solution has the answers.

Mortgage brokers, like doctors and dentists, are experts in their field. As experts, they know the mortgage market inside out and are able to provide you with advice regarding the options available to you, having an expert to relieve the mystery of it all can be a great way to go. A mortgage broker can take away the confusion that may occur when applying for finance. They can assess your situation, provide good information about lending criteria, associated costs involved and take care of the loan application. They can prevent borrowers from wasting time and energy applying for a loan that is not right or won’t be approved. Choosing to use a mortgage broker can be a very positive step when arranging your home loan. At the end of the day, we can provide you with everything you need to ensure that organising your home loan is a good experience.

Why limit your choice? You don’t buy a car without shopping around first, so why do it when shopping around for a home loan? A Bank or lending institution would offer you one of their loans, quite often one of their highest priced loans. Mortgage Brokers are bound and obligated by ASIC’s “Best Interest Duty” which is designed to ensure that clients receive advice that meets their objectives, financial situation and needs. At HLS  we can compare the best loan from our extensive range of lenders in one visit, ensuring that you make the right choice of loan for your particular circumstances.

Basic variable rate loans are extremely popular due to their low interest rates. The trade-off with these types of products is that they are limited on features.

Standard variable rate loans are known for their flexibility and features. Partly fixing, loan splits, offset, additional repayments and redraw are usually standard with this type of product.

Fixed rate loans protect borrowers against interest rate rises for a given period of time although work against borrowers when rates fall. Fixed rate loans are popular amongst investors and home owners that require a level of security when forward planning their repayments.

Combination or blended loans allow borrowers to spilt their home loan into a partly fixed and variable portions. This provides borrowers with the flexibility of a variable rate product and added certainty of a fixed rate loan.

Equity loans or lines of credit allow borrowers to unlock the equity in their properties for any worthwhile purpose such as renovating, investing, motor vehicles, children’s education, etc. These types of products provide a low cost option to other forms of personal lending with the flexibility of allowing interest to capitalise.

Low-doc loans are a great solution where borrowers can afford the loan repayments but are unable to disclose full income details. Low-doc loans are popular amongst self employed applicants or where they have an irregular income stream.

Heffernan Lending Solutions operates as a Full Member under the governance of the Mortgage and Finance Association of Australia (MFAA). Membership of the MFAA comes with strict criteria regarding ethics and codes of behaviour. Transgression of these ethics or codes may result in the suspension of our license to operate. We are also bound by laws governed by Australian Securities and Investments Commission (ASIC), Australian Prudential Regulation Authority (APRA) and are members of the Australian Financial Complaints Authority (AFCA).

No, our business is about finding you, our customer, the most suitable product or home loan for your needs. We do not have any home loan products of our own.

Our partners.

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

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