
Home loans
Finance for owner-occupied homes, investment properties and construction, along with refinancing, SMSF lending and reverse mortgages.
Ask about a home loan
SMS Caroline
FINANCE BROKING FOR REAL LIFE
Friendly guidance for home loans, refinancing, personal loans, business and asset finance—with Caroline beside you from the first conversation onwards.
You deal directly with Caroline—not a call centre.
Not sure where to begin?
Send a quick SMS or make an enquiryHOW I CAN HELP
No jargon-filled conversations. Just thoughtful guidance, clear options and help moving forward.

Finance for owner-occupied homes, investment properties and construction, along with refinancing, SMSF lending and reverse mortgages.
Ask about a home loan
Friendly, step-by-step help with your first home loan, plus a simple guide to current grants, schemes and concessions across every Australian state and territory.
Explore first home buyer information
Secured and unsecured personal loans for a car, debt consolidation, a project or another important expense—with clear help comparing your options.
Ask about a personal loan
Finance for vehicles, equipment and other business needs, including options to refinance ATO debt or bring existing commitments together.
Ask about business or asset financeWHY USE A FINANCE BROKER?
Going directly to a bank means discussing that bank’s own products and lending criteria. A broker starts with you—your goals, your circumstances and what you need from your finance—then explores suitable options from a broader panel of lenders.
That record share shows just how many borrowers value having choice, guidance and someone personally helping them through the lending process.
MFAA market share data, June 2026 quarterI can compare suitable choices from my panel of lenders, rather than limiting your options to the products and policies of one institution.
Your goals, finances and circumstances shape the conversation—not simply the products one institution has available.
I research and explain the options in plain English, help prepare the application and liaise with the lender throughout the process.
You can come back to me when circumstances change or when it may be time to review your finance again.
The lenders and products available will depend on my approved lender panel and your individual circumstances.
HELPFUL CALCULATORS
Use these MFAA tools for an initial estimate. Each calculator opens on its own page and is a guide only—not a loan approval or personal recommendation.
A SIMPLE PROCESS
Send an SMS, email or enquiry with as much—or as little—detail as you have.
I’ll listen, ask the right questions and explain the path forward in plain English.
When you’re ready, I’ll guide you through the loan process and keep you informed.

MEET CAROLINE
I’m Caroline Eriksson, with more than 25 years’ experience as a finance broker. I believe finance conversations should feel personal, straightforward and supportive.
Whether you’re buying, reviewing an existing loan or looking for personal, business or asset finance, you’ll deal directly with me. I’ll take the time to understand what you need and help make the process feel manageable.
Start with a quick SMSCLIENT TESTIMONIALS
“My husband and I have been using Caroline for over 20 years and have always found her professional, polite and someone who tells it like it is.
When we lost our business in 2019, declared bankruptcy and lost our house, we were told we would never get a mortgage again. Caroline worked her magic and submitted our loan application the day after the bankruptcy was lifted—and we were approved.
A few years later, we were told we would never get a loan with one of the big four banks. Thanks to Caroline, we are now with one of them. I’m a stress-head and ask a million questions, but not once has Caroline made me feel like a nuisance. Caroline is not only my mortgage broker; I now consider her a friend.
I would highly recommend her services.”
“I have used Caroline for many, many years for all my home loans. She is always friendly, patient and highly professional.
I always feel comfortable knowing she presents options and always delivers on service. I would never use anyone else. I highly recommend her services.”
“Caroline has been my broker for 10 years. Time and time again, she has continued to find the right loan to suit my family’s needs through the different stages of life.
Caroline has always helped us work towards paying our loan off sooner—saving us thousands of dollars. What makes the experience even better is her down-to-earth personality and complete honesty. She is always up for a chat and available to answer all those ‘silly’ questions you may have.
I know I’ve had my fair share over the past 10 years, and not once has Caroline made me feel silly for asking. 10/10—I can’t recommend Caroline highly enough. In fact, I’ve successfully recommended her to more than five friends and family members, who have also loved her service.”
“As a first-time buyer, the thought of ever getting a home loan seemed out of reach. Caroline was an absolute godsend. From the moment I floated the idea of building a house to the moment I received full approval, she was incredible.
We initially attempted to go through one bank for our entire loan, but this turned into a complete nightmare. Caroline never stopped at Plan A—she always had Plans B, C and D, all the way through to Z! We decided to get the land loan first and then tackle the construction loan.
Once we had the land loan, we thought that with two more payslips everything would be fine. However, after a few unplanned rate rises, the increased pay still wasn’t quite enough to get us over the line. The bank eventually approved an amount, but it was significantly less than we needed.
At that point, I had almost given up. I was ready to accept defeat, keep saving and look at building later—but not Caroline. Little did I know—although I should never have doubted her—she had been working away in the background, speaking with other lenders and forming a plan. She sent everything to another lender and, within two weeks, we had full approval! I honestly couldn’t believe it when she called. I was in complete shock because the dream of building had felt as though it had disappeared.
When I say I couldn’t have done this without Caroline, I don’t just mean that she organised everything and understood every avenue we could explore. Every time she called, even with disappointing news, she brought the hope and positivity I needed. She was genuine, honest and encouraging, and that made working with her incredible. I will forever describe Caroline as my fairy godmother of broking—because she certainly knows how to work magic!”
COMPLIANCE
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LET’S TALK
You don’t need to know exactly what to ask. Tell me a little about your situation and I’ll come back to you personally.