Loan Types

No – you don’t need to speak with a bank before coming to us. In fact, coming to Seabreeze Finance first can often save time and stress. We compare a wide range of lenders on your behalf, so you don’t have to approach each one individually or try to make sense of complex loan options on your own.

Yes, that’s exactly what we’re here for. We take the time to understand your financial goals, current circumstances, and future plans before making any recommendations. From there, we present you with tailored loan options and explain them clearly, so you can make an informed decision with confidence.

Absolutely. Being declined by a bank doesn’t mean you’re out of options. We work with a wide panel of lenders – including those who specialise in more complex or non-standard applications and we’ll explore all possible solutions based on your unique circumstances.

We look at the full picture, including interest rates, loan features, flexibility, turnaround times and your personal goals. Our priority is to find a loan that works for you, not just one that looks good on paper. We’re not tied to any one bank, which means our recommendations are always in your best interest.

Once your loan is approved, we’ll guide you through the next steps, from signing documents to settlement and beyond. We’re here to make sure everything runs smoothly and to answer any questions along the way. Our support doesn’t end at approval – we stay in touch to ensure your loan continues to suit your needs over time.