Home Loans – helping you get into the great Australian dream

Home ownership is becoming more and more difficult in our major cities, particularly for young people. Thankfully, the dream is still possible. We’ve helped hundreds of clients secure loans for their first property and our team of property and loan experts can do the same for you.

There is a misconception out there that you should wait until you save a deposit before meeting with a loans expert but this isn’t so. If you think that one day in the future you would like to buy a home, we recommend that you come and see us sooner rather than later. We can help you:

  • determine what sort of deposit you should be saving for
  • create a savings plan that will help you achieve the above goal
  • explore options outside of saving for a deposit (e.g. partnering up with a family member who is willing to guarantee your loan)
  • decide where to buy
  • decide what sort of property buy
  • develop a property portfolio over time
  • secure a loan that suits your individual needs

Our main message is this: property ownership IS possible for young people.

As with everything in life it simply requires a planned approach.

We pride ourselves on thinking outside the box when it comes to home ownership so that young people get to secure their place in the property market. We consider things like:

  • helping you buy in collaboration with a friend or family member
  • assisting you and your parents navigate the guarantor process
  • providing advice on buying an “entry level” property rather than your dream family home
  • helping you make an alternative investment in the short term so that you can buy a property further down the track

Our on-staff property experts are committed to securing the best mortgage for you. We work with a variety of reputable lenders and we work hard to make sure that they are offering the best possible deal for you.

Our service doesn’t end once you have purchased your property.

Post-purchase we can also assist with:

  • property settlements
  • tax benefits and deductions associated with purchasing a property
  • tax benefits and deductions associated with owning a property
  • subsequent property purchases
  • recommendations around investment properties
  • tax benefits and deductions associated with renting out your property

At Rising Tide we firmly believe that it is possible for everyone, no matter what their age and stage, to own their own home. Come and talk to us to learn how.

FREE Home Loan Health Check

Is your home loan healthy or sick?

For many, a home loan represents a large proportion of their outgoings. If loan repayments could be reduced interest rates change or if new tax benefits become available it is important that you know how to take advantage of the possibilities.

A Rising Tide finance broker can help you decide whether or not your current mortgage is still right for you.

Get your free home loan health check

Success Stories

  • Photo of Nick Graham

    Nick Graham

    Former Australian rules footballer Nick Graham discusses his Rising Tide journey. Read Nick's full story

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  • Photo of Lyn & Geoff

    Lyn & Geoff

    On reflect 12 months later we are so grateful we had the insurance and the support of Matt... Read Lyn's full story

  • Photo of Sam Rowe

    Sam Rowe

    Former Professional Australian Rules Footballer, Carlton Football Club

    I was lucky enough to meet Matt Hale at a club function. I decided to go in to meet the team and it just felt like a perfect fit. Read Sam's full story

  • Photo of Kane Baker & Rebekah Elmaloglou

    Kane Baker & Rebekah Elmaloglou

    We knew we wanted to put our money to good use, but we didn’t know too much about how to get started, so we sought help from the team at Rising Tide Financial Services. Read Kane's full story

  • Photo of Ben O’Neill

    Ben O’Neill

    I’ve learned so much from working with the team at Rising Tide. They helped me to understand and organise my finances, helped me to put a strategy in place to work towards buying my first home. Read Ben's full story

  • Photo of Tim & Vesa

    Tim & Vesa

    Friends of ours had recommended that we get in touch with Rising Tide Financial Services...Little did we know, it would turn out to be one of the best decisions we’ve ever made! Read Tim's full story

  • Photo of Anthony De Leo

    Anthony De Leo

    Sales Manager, Audio Visual Revolution Pty Ltd

    Having income protection, it’s obviously important in case things go wrong, you’ve got some back up. Read Anthony's full story

  • Photo of Alistair Tubb

    Alistair Tubb

    We’ve managed to get into a home that would allow us to grow which is great. They tied it all in together and it made sense to have a one-stop-shop. Read Alistair's full story

  • Photo of Fenella Wagener

    Fenella Wagener

    PR and Media Manager, Universal Music

    They helped us work out what are our expenses, and how much money can we save a month, and it’s crazy to think how much you can be saving a month! Read Fenella's full story

  • Photo of Trish Curtis

    Trish Curtis

    Self-employed bookkeeper

    Right from the outset, Ali was so easy to work with. There just wasn’t the pressure I had experienced when working with other advisers. Read Trish's full story

  • Photo of Peta Currie

    Peta Currie

    Single parent

    While it’s fantastic to receive the income, I know that all of the paperwork can be really challenging for some people, and Matt has been a fantastic help. Read Peta's full story

More Success Stories


  • Ed Curnow

    Since catching up with Matt, Tom & the team at Rising Tide, both Emily & I feel like we’ve had a chance to get our financial lives in order.

  • Amanda Vallis

    Great team! Braden was especially helpful in getting my finances sorted for my business.

  • Shae Thomas

    Highly recommend the Rising Tide team - friendly, honest guys who have helped me make my financial dreams come to life. Also, they have a bar in their office, which is, you know, great.

  • Bradley Clarke

    Felt 100% care and commitment to my needs. Always highly responsive to requests for information and support. A+

More Testimonials

Melanie Tibb

Let me help you diagnose the health of your current home loan.

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