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Helping local families & business owners make smart financing decisions​ 



Whether you need to defer your mortgage repayments or not, it's an important time to ensure you're on a competitive rate. 


Owner Occupied Variable loans should definitely have a 2 in front of them!


We can also look at super low Fixed Rate options for you, as well as some amazing Cash Back offers.  


We live in unprecedented times, and it's creating a financial pivot regardless of individual circumstances.  Whether you need to reduce rates & repayments, or want to prepare for opportunities, we're here to help.

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Not your average Finance Brokers

With over 40 years of combined experience, we of course know a thing or two about Finance.  But if what you’re really looking for are people who speak your language, and can think outside the square to create solutions, then Surf Coast Finance is for you.

We primarily provide families and local businesses on the Surf Coast a solutions based approach to a wide range of Finance needs.  Of course we travel further, but our clients are typically a bit like us.  We’re about creating the opportunity to build a worthy and balanced lifestyle for ourselves and our families.  We love the outdoors, and we love being a part of this wonderful Surf Coast community that we get to call home.

So whether you’re looking to buy your first home or expanding your growing business, we’d love to chat about how we can help you make smart finance decisions. 

So grab a coffee, and give us a call.  We’ll have an initial chat, and then tell you what we need to have a look at before we catch up and discuss some options with you.

We look forward to working together!



Director & Finance Specialist

“Excellent, absolutely amazing, so easy to deal with”  Her clients say it all.  Nicola loves helping clients into first homes, next homes and navigating investment options.

Nicola is an award winning broker (among others she's just been named MPA Magazine's "Young Gun"),  and has over 15 years experience in Lending.  She truly cares about her clients and works with them to provide solutions that meet a broad range of needs and goals.  

At home, Nicola loves living sustainably including caring for her own veggies, bees & chooks and is the Treasurer and Volunteer Firefighter at Bellbrae CFA.


Director & Finance Specialist

Lanie is a born problem-solver.  She has spent 25 years in financial services, working in senior positions with St George Bank, Westpac, Macquarie and Temenos Australia. She has spent much of her career consulting to both small and large organisations in relation to their business strategies and is now applying that experience to help local families & businesses make smarter financial decisions.

Lanie's family connection to the surf coast community dates back over 100 years and she finally made it her permanent home in 2013. She's proudly supports local, and is a Board Member at Torquay SLSC. 


Settlements & Construction Manager

In addiition to managing our purchase and refinance settlements, Sarah also works with our clients and their builders to manage the progress payment stages during construction.  

"It's so critical to ensure that clients can enjoy the building process, knowing that we have it all in hand".

Sarah works part time at Surf Coast Finance, because she also loves her other role as a Cross Fit Coach in South Geelong.


Client Services Manager

Ingrid Wood helps our team provide the best possible service to our clients.


When asked what she loves about being our Client Services Manager, she said it is "...the people and their stories.  I love that this role extends my administration skills, but it’s the energy I derive from being around wonderful local people and helping them with something so important that makes me most proud".  


Nothing rewards us more than feedback from the heart.  Here's a few of our favourites - and for more, you can google us

If you are a looking for an honest, efficient and professional broker we would have no hesitation in recommending Nicola Tucker. We needed to refinance in a short period of time and she went out of her way to meet our deadline with all the answers we required. Her knowledge of the banking industry is excellent and any problems were dealt with successfully . Her ability to fit in with our time restraints was exceptional with very pleasing results . We can’t thank her enough for her professionalism, knowledge and lovely nature for what may have been a very stressful time for us. I would highly recommend Nicolas services.

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We'd love to hear from you

PO Box 885, Torquay VIC 3228, Australia

03 5264 7702

Surf Coast Finance Group Pty Ltd ABN 48 638 340 753 is authorised under LM Broker Services Pty Ltd Australian Credit Licence 517192.

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances.

Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.


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