Frequently Asked Questions

We assist with a wide range of finance solutions, including business loans, equipment finance, home loans, investment loans, refinancing, self-managed super fund loans. Whether you’re purchasing your first property, growing your business or consolidating debt, we tailor our recommendations to suit your needs. Our goal is to simplify the process and connect you with lenders who understand your goals.

Not at all. While having some documents on hand can help us get started more quickly, our first conversation is simply about understanding your situation and what you’re hoping to achieve. We’ll guide you through what’s needed and help you gather everything step by step with no pressure. So get in touch and start your journey towards better finances.

We have access to a broad panel of trusted lenders, including major banks and specialist providers. This allows us to compare a wide range of loan products and structure your finance in a way that’s both competitive and aligned with your goals. It’s about giving you choice and confidence, not one-size-fits-all solutions.

The timeline can vary depending on the type of finance and your individual circumstances, but we aim to keep things moving smoothly and efficiently. Home loan approvals can often take around 1–2 weeks, while business loans or equipment finance may vary. We’ll keep you updated throughout so you’re never left guessing.

In most cases, we’re paid a commission by the lender once your loan is settled. This means there’s no direct cost to you. We’ll always be upfront about how this works and make sure you understand the process. Our recommendations are based on what’s right for you, not what pays the most.

When you go directly to a bank, you’re limited to that bank’s specific products, interest rates, and lending criteria. In contrast, working with a broker like Seabreeze Finance gives you access to a wide panel of lenders, which means more choice, greater flexibility and a better chance of finding a solution tailored to your unique needs.

We compare options across multiple banks and lenders on your behalf, saving you time and potentially thousands over the life of your loan. We also guide you through the process, explain your options in plain English, and advocate for you every step of the way.

The documents required can vary depending on the type of finance you’re applying for, but generally you’ll need to provide:

• Identification (e.g. driver’s licence or passport)

• Proof of income (recent payslips, tax returns, or BAS statements if self-employed)

• Bank statements (to show your income and spending habits)

• Details of existing loans or debts

• Information on the asset you’re purchasing (e.g. property contract, invoice for equipment)

Don’t worry if you don’t have everything upfront — we’ll guide you through exactly what’s needed at each stage and help make the process as smooth as possible.

The amount you can save through refinancing depends on factors like your current interest rate, loan balance, and loan term, but in many cases, homeowners can save thousands over the life of the loan. Even a small drop in your interest rate can result in significant monthly and long-term savings.

At Seabreeze Finance, we’ll assess your current loan and compare it with what’s available across a wide panel of lenders. If refinancing makes sense for your situation, we’ll guide you through the process from start to finish and ensure the benefits outweigh any costs involved.

The amount your Self-Managed Super Fund (SMSF) can borrow depends on several factors, including the value of the fund’s existing assets, the proposed property purchase, rental income potential and the lender’s criteria. In general, most lenders will allow an SMSF to borrow up to 80% of the property’s value for residential property, and around 70% for commercial property.

Keep in mind that SMSF lending is highly regulated and requires a specific structure (Limited Recourse Borrowing Arrangement), so it’s important to get expert advice. At Seabreeze Finance, we can guide you through the process and connect you with lenders who specialise in SMSF loans.