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How it works
Getting a home loan doesn't have to be overwhelming. Here's what working with Steph looks like — from first call to settlement.
Tell me about your goals
We start with a free, no-obligation chat — phone, video, or in person. I'll learn what you're trying to achieve and what your situation looks like.
I find the right options
I search across 40+ lenders to find loans that genuinely suit you — not just the ones that look good on paper. I'll explain each option in plain English.
I handle the paperwork
Once you've chosen, I take care of the application from start to finish. I liaise with the lender, answer questions, and keep you updated throughout.
You get the keys
Settlement day — the moment it all comes together. And I don't disappear after that: I'm here for rate reviews, refinancing questions, and whatever comes next.
10+
Years experience
A Steph above
the rest.
I grew up in Tweed Heads and I've watched the Northern Rivers transform into one of Australia's most sought-after places to live. I've also watched good people miss out on their dream homes because the finance process felt too complicated, too intimidating, or too slow.
That's what drove me into mortgage broking. After spending years in banking and financial services, I realised that what people actually needed wasn't another product pitch — they needed someone in their corner. Someone who'd explain everything clearly, fight for their application, and still pick up the phone six months after settlement.
I started Coastal Home Lending to be exactly that person. I work with clients across the Tweed Coast, Byron Bay hinterland, Murwillumbah, Coolangatta, and the Gold Coast — but I can help anyone in Australia via phone or video.
Real results, real people
Swipe for more reviews →
“Steph found us a rate we didn't know existed. She made the whole thing feel completely manageable — couldn't recommend her more highly.”
Sarah & Mike T.
Kingscliff · March 2025
“I was pretty overwhelmed about refinancing but Steph broke everything down clearly, found me a better deal, and handled all the paperwork. Saved me thousands.”
James R.
Pottsville · February 2025
“As first home buyers we had so many questions. Steph was incredibly patient, always available, and fought hard to get our loan approved. We're in our home now!”
Caitlin & Tom B.
Cabarita Beach · January 2025
Everything you'd want to know
Mortgages can feel complicated. Here are the questions I get asked most often — answered plainly, without the jargon.
Nothing — my service is completely free to you. I'm paid a commission by the lender once your loan settles. This doesn't affect your interest rate, and I'm legally required to act in your best interests regardless.
Still have questions? Ask Steph directly →