Cabarita Beach, NSW logan.ross@cabaritafinance.com.au Available anytime — reach out whenever

Mortgages made easy, from the Northern Rivers to the Gold Coast.

Getting a home loan shouldn't be complicated. At Cabarita Finance we make lending clear, honest and personal — with access to over 70 lenders working for you, not a bank.

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70+Lenders on our panel
15 yrsSelf-employed & local
<4 hrsTypical response time
Family at home after securing their mortgage with Cabarita Finance
Pre-approved in daysNot weeks — we chase the lender for you.
Our Services

Seamless solutions, whatever you're financing

One broker, every kind of lending — from your first home to your next commercial project.

Home Loans

  • First home buyer loans
  • Owner-occupier mortgages
  • Investment property loans
  • Construction loans
  • Pre-approval applications
Get started

Refinancing Solutions

  • Rate review & comparison
  • Debt consolidation
  • Equity release for renovations
  • Lender review
  • Restructuring existing loans
Get started

Commercial Finance

  • Commercial property loans
  • Business expansion finance
  • Working capital solutions
  • SMSF lending
  • Development finance
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Asset Finance

  • Car & vehicle loans
  • Equipment finance
  • Caravan, boat & motorbike loans
  • Business asset finance
  • Personal loans
Get started
Who We Are

Your local finance broker in the Northern Rivers

Cabarita Finance is an independent broking practice based in Cabarita Beach, helping individuals, families and businesses across the Northern Rivers, Byron Shire, and South East Queensland.

Access to 70+ Lenders

From major banks to specialist non-bank lenders, so you get options — not just one bank's rate card.

All Lending, One Broker

Home loans, refinancing, commercial finance, asset and personal loans — all handled by one trusted broker.

Local, Approachable Service

Based right here in Cabarita. Easy to deal with, quick to respond, and happy to meet you where it suits.

No Jargon, No Pressure

We explain everything in plain language — your options, the numbers, and what happens next.

Logan Ross, Mortgage Broker at Cabarita Finance
15+Years Self-Employed
Why Cabarita Finance

A trusted mate who happens to know lending inside and out.

Logan Ross — Founder & Broker

I started Cabarita Finance because I believe finance shouldn't be complicated, impersonal or slow. Walking into a bank, you're a number. With a faceless online broker, you're a lead in a CRM. I wanted something different — a service that feels like dealing with a trusted mate who happens to know lending inside and out.

Based in Cabarita Beach, I work with individuals, families and businesses from the Northern Rivers to the Gold Coast — from first home buyers to seasoned business owners financing their next move.

  • Direct access to me — no call centres
  • Honest advice, even if it costs me the deal
  • Plain language, no fine-print surprises
  • Quick replies — within 4 business hours
Book a meeting with me
Start Here

Tell us what you need — we'll do the legwork.

Fill in a few details and Logan will personally get back to you, usually within 4 business hours, with clear next steps and no obligation.

  • Free, no-obligation assessment
  • Compared across our panel of 70+ lenders
  • You deal directly with Logan, start to finish
Prefer to talk right away?

Get your free quote

No spam, no pressure — just honest advice about your options.

By submitting, you agree to be contacted by Cabarita Finance about your enquiry.

Book a Meeting

Grab 30 minutes on my calendar.

Prefer to just pick a time that suits you? Book a free, no-obligation 30-minute chat directly into my diary — in person, on the phone, or by video call.

Open in Calendly
  • 1

    Pick a time

    Choose whatever slot works for your schedule.

  • 2

    We chat, no pressure

    30 minutes to understand your goals and answer questions.

  • 3

    Get a clear plan

    Walk away knowing exactly what your options are.

Ready when you are.

Get a free quote in minutes, or book time straight into Logan's calendar.

Get Your Free Quote Book a Meeting
FAQs

Do not hesitate to ask us any questions

A few of the questions we hear most from clients across the Northern Rivers and Gold Coast.

What is the first step in obtaining a mortgage?
The first step is getting pre-approved. This involves submitting documentation such as income statements, tax returns and credit information to a lender, who reviews your financial situation and provides a pre-approval indicating how much you can borrow.
What factors determine my interest rate?
Your rate depends on things like your credit history, deposit size (loan-to-value ratio), the loan type and purpose (owner-occupier vs. investment), and the individual lender's current policies. Because we compare across 70+ lenders, we shop your loan around to find a rate that suits your situation.
How much deposit do I need?
It varies, but most lenders like to see at least 5–20% of the property value. A bigger deposit can help you avoid Lenders Mortgage Insurance (LMI), and eligible first home buyers may be able to access government schemes that allow a lower deposit. We'll talk through what's realistic for you.
Fixed rate or variable rate — what's the difference?
A fixed rate locks in your repayments for a set period, giving certainty and protection from rate rises. A variable rate moves with the market — it can go up or down, but usually comes with more flexibility, like extra repayments and offset accounts. Many clients split their loan between the two.
How long does the mortgage approval process take?
Conditional (pre-)approval can often be turned around in a few days to a week. Full, unconditional approval through to settlement typically takes 2–6 weeks depending on the lender and how complex your situation is. We chase the lender on your behalf to keep things moving.
Is there a cost to use a mortgage broker?
In most cases, no — brokers are paid a commission by the lender once your loan settles, not by you. We'll always be upfront about how we're paid before you commit to anything.
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