Mortgage Broker Coolum Beach

ADA Financial Services works with Coolum Beach families, first home buyers, investors and business owners, extending our Sunshine Coast footprint north of Noosa into the Coolum, Peregian and Marcoola corridor.

Client Experiences

Trusted by homeowners, investors, and business owners across Australia.

Amy Matson

1 year ago

Deb and Bek went above and beyond helping us without recent loan. Very helpful, patient and supportive service.

Response from the owner:Thank you Amy. We're glad Deb and Bek provided such patient and supportive service, and we truly appreciate your trust!

Sandra Cross

1 year ago

Have dealt with ADA Financial on numerous occasions. Fantastic team to work with. Very efficient and thorough. Great communication and everything is made easy. Thoroughly recommend!

Response from the owner:Hi Sandra. We're happy our team could make the process easy and provide efficient, thorough service. Thank you for recommending.

Thiago Rezende

1 year ago

My wife and I had a great experience with Deb and Bek while buying our first home! They were always super responsive, kind, and clear in every communication, whether by email or phone. They explained everything in a way that made us feel confident and supported throughout the whole process. We’re really grateful for their help and highly recommend them!

Response from the owner:Hi Thiago, Thank you for your review. We're so pleased Deb and Bek could make your first home-buying journey smooth and enjoyable. We look forward to help you again!

Shannen de Rooy

1 year ago

We have been with ADA Financial servicessince buying our first home, we have brought 3 since and they have handled everything. They are kind, friendly, and help with everything. They keep on top of all our needs, making sure they can find us the best bank for our family. We couldn't be happier with ADA and highly recommend them to anyone.

Response from the owner:Thank you for your recommendation. We're glad to have supported your family over the years and look forward to helping you again in the future!

Suzanne Stacey

1 year ago

Deb, Bek and the ADA team are amazing and have been for the 21 years we have been using their financial advice and organisation.

Response from the owner:Hi Suzanne, We're truly grateful for your trust over the past 21 years and look forward to many more!

Bess Walsh

1 year ago

10 stars. ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ Bek Cattermole is a highest recommendation for professional financial services. She exceeded all our expectations in service and outcome. She very clearly has strong working connections in the financial industry which made her negotiation and management of our matter go further. She was always friendly, responsive, caring and genuinely invested in our outcome. We are so thankful she was recommended to us by others.

Response from the owner:Hi Bess, Thank you for your review. We're happy Bek exceeded your expectations, and we truly appreciate your kind words and recommendation. Thank you for choosing us..

Zak Slade

1 year ago

Response from the owner:Hi Zak, Thank you for your 5-star review!

Rebecca Lawler

2 years ago

Fantastic Financial Services! Deb & Bec are such a great team. Together, they were patient and understanding of our needs. We had a positive experience dealing with them both and a great result with finance approval in a short time. I cannot thank ADA Financial Services enough!

Response from the owner:Hi Rebecca, Thank you for your feedback. We're happy Deb and Bek could make the finance process smooth and achieve a great outcome for you!

owen hooper

2 years ago

These guys were absolutely amazing very reliable and quick and help me through a lot of stuff that I had absolutely no idea about, and it was also over a two year period so they had plenty of patients waiting for me to get all my paperwork and finances together.

Response from the owner:Hi Owen, We're so glad our team could support you throughout your journey, and we truly appreciate your trust. Thank you for choosing ADA Financial Services

Sandra Morante

2 years ago

I am a returning client, with ADA Financial Services Deb and Bec are always available to answer my questions their service was always quick, professional and friendly. I have and always recommend their services to family and friends. Highly recommend ADA.

Response from the owner:Thank you for being a valued returning client! Your continued trust means so much to us. We're glad Deb and Bek could provide the friendly, professional service. Thank you for your recommendation!

Stephen Yann

2 years ago

The Team at ADA Financial Services made the whole process when we bought our house so much easier. The team looked after us and made sure we knew what was going on. The best part was communication and how easy they were to contact and talk to. Would recommend the ADA Team if you are purchasing a house or need financial advice.

Response from the owner:Hi Stephen, thank you for your review. We're glad the process of buying your house felt easier and that you always knew where things stood. Clear communication is something we put a lot of focus on, so it's good to hear it made a difference for you. All the best in your new home.

Jessica Bailey

2 years ago

Thanks to Deb and the team we are finally about to get our own home

Response from the owner:Hi Jessica, thank you for taking the time to leave a review. It's been a pleasure helping you work towards owning your own home, and we wish you all the best as you settle in.

Olivia Bayldon

2 years ago

The ADA team are always amazing at providing the most professional service. So easy to communicate with and get things done smoothly in an efficient manner.

Response from the owner:Hi, Olivia. Thank you so much for rating your experience with us so highly!

Kathleen S

2 years ago

Deb came highly recommended from a colleague and I am so happy that I chose to contact her. Deb and Bek have been absolutely fantastic in ensuring that my partner and I could secure finance to purchase our first home using the RFHBG. Being first home buyers and prior to contacting ADA Lending, we initially felt quite overwhelmed, however, since the first the phone call, Deb and Bek quickly ensured to answer any questions we had and were very honest and clear in exactly what was needed from us which helped the process be as seamless and as stress free as possible. I highly recommend ADA Lending for other first home buyers (and everyone else)! We are so appreciative of the experience and expertise of Deb and Bek at ADA Lending. Thank you for getting us into our first home! - Kathleen and Daniel

Response from the owner:Hi Kathleen and Daniel, thank you for your thoughtful review, and please pass our thanks on to your colleague for the recommendation. Buying a first home can feel overwhelming, especially when navigating a scheme like the RFHBG, so we're glad our guidance helped make the process clearer and less stressful. Congratulations on your first home.

Joanne Zeller

2 years ago

I have used ADA lending many times when purchasing property. Deb and Bek are very helpful and have a wealth of knowledge. They have handled my settlements with little to no issues a long the way. Would highly recommend

Response from the owner:Hi Joanne, thank you for your review and for continuing to trust us with your property purchases. We appreciate your repeat business and are glad your settlements have run smoothly. We look forward to helping you again whenever you need us.

Jade Sonner

2 years ago

Bek, was my broker. And was 110% she went above and beyond for me over and over and over..... seriously youshpuld be so proud of yourself. Thankyou for everything you've done for me ❤️

Response from the owner:Hi Jade, thank you for your kind words. It was a pleasure working with you, and we wish you all the best for the future.

Rebekah Anderson

2 years ago

Absolutely amazing!!! Being a single mum with a mortgage I had been trying to gain finance for quite some time with no luck. I was recommended to speak to Deb and Bek as they had worked a worked a miracle for them and they weren’t wrong. Not only did Bek help me get the finance I needed she communicated with me every single step of the way, something I have found in the past to be frustrating with other Brokers. Bek didn’t give up on me and worked through any speed bumps along the way. Super knowledgeable, caring, easy to talk to and understanding. I cannot speak highly enough of the ADA team, I’m eternally grateful ☺️

Response from the owner:Hi Rebekah, thank you for sharing your experience. We understand how discouraging it can be when finance doesn't come together, so we're glad we were able to help you find a solution and keep you informed throughout. We appreciate your trust, and thank you to whoever referred you.

Tiahna McDonald

2 years ago

Highly recommend Deb and Bek - this is the second time we have used ADA for our home loan needs and wouldn’t consider using anyone else. Very efficient, professional and hard working, we had a deadline and Deb went above and beyond to help us meet that deadline - thank you so much ladies, we appreciate all your hard work!

Response from the owner:Hi Tiahna, thank you for your review and for choosing ADA again for your home loan. We know deadlines can add pressure, so we're glad we could help you meet yours. We appreciate your continued support.

Samantha Morant

2 years ago

Was such a pleasure working with (Deb) ADA financial services. Helped us with every step we needed to take. Always kept in contact, just with progress and updates. Not our first time either. ( 3rd) Will never bother with the bank to get great loans.

Response from the owner:Hi Samantha, thank you for your review and for coming back to us for a third time. We're glad the regular updates helped keep things on track, and we appreciate your ongoing trust in us. We look forward to working with you again.

Brendan Buckenham

2 years ago

We were recommended by friends to use ADA Financial for our home purchase. We are so happy we did. Bek was incredibly easy to work with, all the information was clear and the process overall was smooth. Would highly recommend. Thanks Bek

Response from the owner:Hi Brendan, thank you for your review, and thanks to your friends for recommending us. We're glad the process was clear and smooth for your home purchase. All the best in your new place.

Lisa Bull

2 years ago

Highly recommend the team at ADA Lending! They’re efficient, reliable and highly knowledgeable with the best lending advice and results, we wouldn’t use anyone else!

Response from the owner:Hi Lisa, thank you for your review and for your continued support. We appreciate the recommendation and look forward to helping you with any future lending needs.

David Warriner

2 years ago

ADA were excellent in every aspect. We had a difficult and unusual situation regarding in raising finance whilst receiving income protection benefits. Banks generally dont like this, as we found out. ADA and Bek Cuttermore knew wherebto go made the whole process very straight forward.

Josh Longfield

2 years ago

Thanks Deb and Bek for handling my finance needs. You have been so helpful and professional through the whole process. Regards Josh

Amy Russell

3 years ago

Deb and her team have helped us with numerous home loans and re financing to get the best deals. They make it so easy, are so honest and upfront and will teach/ work with you on how to reach your goals. Nothing is ever a problem and we have always felt like they have plenty of time for us and my crazy questions. Everything is done at super speed and they are all over everything rules, requirements and rates. They definitely go above and beyond and are the go to people and the best in the business.

Alex Lane

3 years ago

Deb and Bek are an amazing team. Very professional and hard working to get the perfect home loan. I would highly recommend them.

White cape-style home with a garage and large shade tree

LOCAL MORTGAGE BROKER

A Broker Who Knows the Coolum Beach Market

Finding a mortgage broker in Coolum Beach who genuinely understands the local property market, from beachfront homes to new estates further inland, makes a real difference to how smoothly your loan comes together.

Alongside Coolum Beach itself, we work with buyers and owners across Peregian Beach, Marcoola, Mount Coolum, Yaroomba, and the broader Noosa and Sunshine Coast region.

This is general information only and does not constitute financial or credit advice. Speak to a licensed broker for advice tailored to your situation.

Newly built two-storey home on a cleared block under blue sky

HOME LOANS

Home Loans for Coolum Beach Buyers and Owners

Whether you’re buying your first home in Coolum Beach, upgrading, or refinancing an existing loan, we compare lenders on your behalf rather than pushing you toward a single product.

First home buyer loans, including guidance on eligible government grants and schemes
Refinancing for existing Coolum Beach homeowners looking to reduce repayments or access equity
Upsizing or downsizing loans for owners moving within the local market
Home loan comparisons across our lender panel, not just one institution’s products

Two-storey cream weatherboard home with a front porch and flower garden

PROPERTY TYPES

Lending for Different Coolum Beach Property Types

Coolum Beach covers a genuinely wide mix of property types, and each comes with different lending considerations worth understanding before you apply.

Owner-occupied family homes. Standard home loan structures, assessed against your income, expenses and deposit
Beachfront and beach-adjacent properties. These can carry different valuation and lending considerations depending on the lender and specific location
Investment properties. Structured around rental income and your broader investment strategy
Holiday and short-stay properties. Lenders treat short-term rental income differently to standard tenancy income, which affects how your borrowing capacity is assessed

Apartment buildings with balconies under a bright blue sky

CONSTRUCTION LOANS

Land and Construction Lending for New Coolum Estates

If you’re building rather than buying established, construction lending works differently to a standard home loan.

Loans structured to release funds in stages as construction progresses, rather than as one lump sum
Land purchase finance for buyers securing a block ahead of building
Guidance on structuring finance across both the land and construction phases together
Support navigating builder contracts and progress payment schedules from a lending perspective

BUSINESS FINANCE

Asset, Equipment and Business Finance for Coolum Beach Businesses

Coolum Beach’s local economy includes plenty of small businesses and tradespeople, and we help business owners finance what they need beyond just a home loan.

Business Loans

Business loans for working capital, expansion, or cash flow needs.

Asset and Equipment Finance

Asset and equipment finance for vehicles, machinery, or tools of trade.

Car Loans

Car loans for business or personal vehicle purchases.

Cash Flow Based Lending

Lending structured around your business's actual cash flow and income pattern, not a generic template.

SELF-EMPLOYED LOANS

Lending for Self-Employed Borrowers in Coolum Beach

Self-employed income is assessed differently to PAYG income, and getting this wrong is one of the most common reasons self-employed applications stall.

How Income Is Assessed

Assessment based on your tax returns and financial statements, typically across the last one to two years.

Matching Lenders to Your Business

Guidance on which lenders treat self-employed income more favourably for your specific business structure.

Documentation Support

Support preparing the documentation lenders actually need, rather than discovering gaps partway through the application.

Seasonal or Irregular Income

Options for borrowers with less conventional or seasonal income patterns.

Our Process

How Our Coolum Beach Home Loan Process Works

Every client goes through the same structured process, so you know what to expect from the first conversation through to settlement.

Initial Conversation

We start by understanding your goals, financial position, and what matters most to you.

Lender Comparison

We compare lending options and structure a solution aligned with your circumstances and future plans.

Application and Documentation

We manage the paperwork and liaise with the lender on your behalf.

Settlement and Beyond

We stay in contact after settlement, not just until the loan's approved.

WHY ADA FINANCIAL SERVICES

Why Local Buyers Work With ADA Financial Services

Choosing a broker isn’t just about rate comparisons, it’s about genuinely understanding your situation and the local market.

Broad Lender Access

Broad lender access, comparing options across a panel rather than one institution's products.

Clear Communication

Clear, upfront communication throughout the process, not vague updates.

Full Process Support

Full process support from initial consultation through to settlement.

Lender-Paid Broker Fee

Our fee is paid by the lender at settlement in most standard cases, disclosed in writing before any application proceeds.

Frequently Asked Questions

Common Questions About Coolum Beach Mortgage Brokers

Do I need to visit an office, or can I work with a Coolum Beach mortgage broker remotely?

Most of the process can be handled by phone, video call, and digital document exchange, so location isn’t a barrier to working with us, even if you prefer not to meet in person.

How is lending different for a holiday or short-stay property in Coolum Beach?

Lenders generally assess short-term rental income differently to standard tenancy income, which can affect your borrowing capacity. We’ll talk through how this applies to your specific property and lender options.

Can you help if I'm self-employed and buying in Coolum Beach?

Yes. Self-employed applications are assessed using your tax returns and financial statements, and we know which lenders in our panel treat self-employed income more favourably for different business structures.

Do you only help with home loans, or can you assist with business finance too?

We assist with both. Alongside home loans, we help Coolum Beach business owners with business loans, asset and equipment finance, and car loans, structured around your actual income and goals.