— est. 2014 —

Mortgages without
the theatrical
urgency. Sydney · Melbourne · Private clients

Harborline brokers mortgages for clients who'd rather read a three-page term sheet than a sales deck. We print our panel, our fees, and the comparison rate we'd actually take ourselves.

Panel lenders
34
Median draw-down
19 days
Client retention
94%
BEARING · 000° · TRUE
§ I · RATE CARD

The rate card we'd take ourselves.

REVISED · 00 MON · 00:00 AEST
Term
Purpose
LVR ≤ 90%
60%95%
Loan size
$250K$5M+
Lender
Product
Rate
Comparison
Type
Term
Showing 0 of 0 products
All rates inclusive of comparison. Updated on the hour from lender panel feeds.
§ II · SOUNDING

Take the depth of the mortgage, not just the monthly.

AMORTISATION · 30 YR · PRINCIPAL & INTEREST

Sounding line

Property value$1.4M
$300K$5M
Deposit20%
5%50%
Rate5.89%
3.00%9.00%
Term30 yr
10 yr35 yr
Loan amount$1,120,000
Monthly repayment$6,636
Total interest$1,268,960
Break-even deposit (LMI)Not required
Your depth12.3 fathoms
CHART · HRBL · 001 · BALANCE vs YEAR
33°52′ S151°12′ E
waterline · loan drawdown 0 FM
YR —
—
—
§ III · PASSAGE

Five steps. Signal flags raised each day.

MEDIAN · 19 BUSINESS DAYS · DRAW-DOWN
I

Discovery call

30 minutes on the phone or at our office in Barangaroo. No PDF at the end. No pre-fill forms.

Day 0 · 30 min
II

Panel read

We submit to three lenders from our panel, chosen for your income shape — not the one that pays us most.

Day 1–3
III

Written offers

Real offers back, side-by-side, printed. We recommend one in writing with the reasoning line-by-line.

Day 5–8
IV

Documents

Loan docs, FHOG, settlements booked. A single checklist you can actually finish on a Saturday.

Day 9–14
V

Draw-down

Keys, funds, coffee. We show up at settlement. A hand-signed letter for the file.

Day 15–19
§ IV · SHIP'S LOG

Cases we're prouder to have seen through.

2023 — 2026 · EXCERPTS
12 NOV · 2025
First-home buyer with one month's PAYG history after five years contracting. Structured as a self-certified hybrid; approved at 88% LVR without LMI through a lender most brokers don't bother with.
Owner-occupier
$1.1M · 88% LVR
4.89% fixed, 3yr
Drew down Day 17
SETTLED ON TIME
03 SEP · 2025
Single-holding investor refinancing a portfolio of four inner-west properties. Consolidated onto a cash-flow-first split structure. Saved $18,400/yr in interest without extending the term.
Investment
$4.2M aggregate
5.34% var / 5.59% fix
Drew down Day 14
REFINANCE COMPLETE
14 JUN · 2025
Founder with three years of zero-salary accounts and significant options. Income shape didn't fit standard serviceability; placed with a private-bank lender where we'd worked the credit team before.
Owner-occupier
$3.4M · 65% LVR
6.15% private, IO 2yr
Drew down Day 23
PRIVATE BANK · APPROVED
28 FEB · 2025
Professional couple moving from a studio to a family home mid-reno. Sequenced three settlements across 11 business days — buy, sell, bridge — without a day of interest overlap.
Owner-occupier
$2.15M (buy) · $1.05M (bridge)
5.74% var
Drew down Day 11
BRIDGE · CLEAN EXIT
§ V · SPEAK

A call, a term sheet, a handshake.

Next opening
Thu · 11am
Duration
30 minutes
Location
Barangaroo / Zoom
Outcome
A written term sheet
Book 30 minutes → desk@harborline.au →
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