Gillard Finance Brokers – We Care About Our Clients, Goals,Families, and Future

We care about our Clients & we get finance!

Let me help you with a unique home loan solution, that will open the door to the home of your dreams.

At Gillard Finance Brokers, our focus is simple - we care about our clients, their goals, their families, and their future. We believe in and stand by This Broker Can.

Sean is as comfortable in a suit and tie, as he is on a work site in jeans or at the beach in his boardies and walking the dogs (Cookie, Frankie and Bailie). With 4 different teenagers and a partner who is a busy medical professional, life is never dull or without its challenges.

At Gillard Finance Brokers, our focus is simple – we care about our clients, their goals, their families, and their future. Finance isn’t just about interest rates. It’s about structure, strategy, and understanding how every decision affects the bigger picture of your business and family income.

With over 20 years of experience, Sean Gillard provides strategic finance options tailored to each client’s situation. Every stage of life requires a different approach to lending, and every client deserves a customised outcome.

We don’t chase the lowest interest rate if it means the wrong loan. We act as your finance advocate, helping you understand your options, guiding you through the process, and negotiating with lenders to achieve the best possible outcome.

Submit your details and I’ll be in touch to discuss your loan requirements.

Personal home loan shopper

Experienced operator

Ongoing loan adviser

Talk to a broker who understands strategy, structure, and long-term outcomes. Sean Gillard is known for one thing:
He gets finance - the right way!

Why Work With Gillard Finance Brokers?

Experience across all lending types
Strategic finance options
Access to over 27 different banks/lenders
Negotiation power with banks
Guidance and education
Compliance and regulation expertise
Customised outcomes
Long-term finance support
Diverse solutions for diverse needs

with
Sean Gillard

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Banks & lenders

Loan Types and Features

We don’t just arrange loans. We help you plan, structure, and grow with confidence. Our role is to provide confidence, clarity, and direction so you can make informed decisions about your finance goals

Variable rate loan

A loan where the interest charged on the outstanding balance fluctuates based on an underlying benchmark or index that periodically changes.

Fixed rate loan

A loan where the interest rate on the loan remains the same a set period of time

Split loan

A loan that is divided into two or more portions (typically a fixed rate portion and a variable rate portion), each with different interest rates or loan types.

P&L loan

A loan structure where the borrower makes repayments on both the interest and the principal loan amount.

Interest Only loans

A loan in which the borrower pays only the interest for some or all of the term, with the principal balance unchanged during the interest-only period.

Why Choose Sean as Your Home Loan Broker

Knowledge and Experience

Sean Gillard is the founder and principal of Gillard Finance Brokers, bringing more than 20 years of experience across personal, business, and commercial lending. As a self employed broker and business owner, Sean understands the realities of running a business - from cash flow pressures to tax driven structural choices. His practical insight, combined with strategic financial expertise, helps clients navigate complex lending scenarios with clarity and confidence.

Personalised Service

I believe that no two customers financial situations are the same, which is why I take the time to understand your goals and create a strategy that works for you. Whether you’re managing tight cash flow or exploring property investment opportunities, I provide personalised financial guidance and unwavering support.

Wide Range of Lenders

Unlike banks, I partner with many lenders (27+), giving you access to a wide range of loan options. My goal is to match you with the product that fits your specific needs while ensuring you benefit from competitive rates and flexible loan terms.

Our Lenders

We have access to over 27 different bank and non-bank lenders, so let us do the leg work for you!

Talk to a broker who understands strategy, structure, and long-term outcomes.

Frequently Asked Questions

Is looking at homes before getting pre-approved a good idea?

Home loan pre-approval (or conditional approval) means that a lender has agreed, in principle, to lend you money towards the purchase of your home but hasn’t proceeded to full or final approval.

A pre-approved home loan serves as a valuable instrument for prospective homebuyers, as it provides insight into the affordable amount for purchasing a property, may help you improve your negotiating position and to look with more confidence.

How do I know if I need to refinance my home loan?

Owning a house comes with its own set of financial considerations, one of which is whether or not to refinance your mortgage. Refinancing may appear overwhelming at first, but it may provide many benefits for homeowners trying to better manage their changing financial situation. These benefits include: a more competitive interest rate, changing loan terms, switching loan types, and accessing home equity.

What does it actually cost to refinance?

It is important to consider the costs of refinancing when making your decision. Typical costs involve a mortgage discharge fee, new lender set up fee and settlement fees.

How to Get a Home Loan?

Buying a home is a big step in anyone’s life. A mortgage broker can act as a guide, there to support you every step of the way.

There is a lot to understand including different rates, product features, loan terms, etc. This is where a mortgage broker can be a really helpful resource on your team.

Want to know how to try and pay your mortgage off sooner?

Paying off your mortgage early comes with a host of benefits, both financial and emotional.

Here are 5 ways that may help you:

1. Make bi-weekly payments
2. Make lump sum payments
3. Refinance to a shorter-term
4. Make extra repayments
5. Cut unnecessary expenditure