Heffernan Lending Solutions

We are Heffernan Lending Solutions, a family-operated finance broking business with offices in the ACT and NSW South Coast. In Isabella Plains, Gerard Heffernan and our team work with home buyers, investors and businesses.

For a home loan, we review deposits, income, existing commitments and expenses. We explain repayment terms, account features and lender rules, rather than focusing only on an advertised interest rate.

First home buyers need to consider deposits, buying costs, documents and settlement dates. We explain relevant assistance conditions and the distinction between pre-approval and a final lending decision.

Investment property borrowing involves expected rent, holding costs and existing mortgages. We discuss how repayment arrangements can affect cash flow, current borrowing and future purchases.

When refinancing, we review the existing loan, repayment features and possible switching fees. We explain valuation, application and settlement steps before discussing whether alternative terms are suitable.

Borrowing capacity depends on income, living costs, current debts and lender policies. We discuss realistic repayment budgets and explain why an indicative assessment is not a promise of approval.

Our team helps with documents, lender requests and the stages leading to settlement. We also welcome conversations when a client's household, property or business plans change after the loan begins.