Mortgage Broker in Northern Beaches, North shore, Northwest of Sydney and Central coast

Finance can be complex, but for my clients I make the process as simple as possible.

As a digital broker I have access to the latest technology to do everything online from meetings to certifying your ID and e-signing your documents!

A mortgage is a big commitment so you want to make sure you’re in safe hands. As a financial strategist, accountant + mortgage broker you can rest easy knowing that I’m an expert in the field.

There is so much more to a loan than the cheapest rate or the biggest cashback offer. Did you know that having the right loan structure can save thousands off the life of your loan?

As your broker it’s my job to ensure I know your current and future financial goals so that I can formulate the right strategy and solution for your loan.

So if you’re looking for finance let’s arrange a time to meet online or in person.


  • N. Codevelle
    Commercial lawyer
    Julie's client service was excellent. She took the time to really understand our needs and to develop a strategy that best worked for us, and then went out of her way to achieve the best outcome. I would absolutely recommend her.
  • M Loncar
    Self-employed creative
    Julie was recommended to me by my accountant and I am truly grateful for the referral. From our very first conversation I found Julie’s approach to be professional, knowledgeable and her expertise was evident throughout. Most importantly, at no point did Julie sugar coat the reality of the current lending environment and what was required to secure a loan for our renovation project. I appreciated this “tough love” approach as it meant we were never misled or under any misapprehension about what was required. Like a calm, wise and steady friend, Julie guided us through each and every step of the process. Not only that, but Julie’s responsiveness, attention and care belied the relatively small loan amount we were applying for. This made us feel secure and in very good hands throughout. I have no hesitation in recommending Julie’s services. If you want a broker who is outcome oriented, direct, knowledgeable, tough, and not just a “yes-person” who tells you what they think you want to hear, Julie is the broker for you!
  • Gan. B
    Insurance professional
    As we were new to Australia, it was certainly a relief to have someone like Julie Wang guide us through the entire home purchasing process making it as easy and stress free as possible. Her heart warming and friendly approach together with her professional experience in the industry made us feel re-assured at all times. She always went beyond the call of duty and made herself available at any time we needed her advice on matters – no task was too big or too small. She stood by us through the entire process, making sure our needs were met and that we were happy with the final outcome. She definitely made the difference for us and always exceeded our expectations in terms of customer service and knowledge
  • S. Yip
    Business owner and property investor
    Running a business means that I have a million tasks as soon as the doors open, this is where Julie has been exceptional and invaluable in looking after my investment side of things. Always a consummate professional and ever efficient, she gets me information ‘Now’ which is what I expect. Her advice and constant communication is also appreciated and she is definitely number one on my list of ‘Go to’ persons.
  • Nancy P
    Commercial Manager
    I have utilised the services of Julie Wang for financing on my Investment Properties for the last 3 years. As a Property Investor with a number of properties in my portfolio, I found it very challenging to discuss debt structure and mortgages with the Banks. I had tried other brokers in the past, but they also seemed to find the debt structure too complicated. Out of sheer desperation I dropped Choice Home Loans an email to ask them if they could assist. Within 24hrs I got a call from Julie. She was very responsive to my unique requirements. She rose to the challenge formidably and was quick to furnish me with ideas on debt structure and refinancing options. Her understanding of my needs and the Property Investment market is second to none and is clearly demonstrated by the work she has done thus far in these tough economic climates. Julie Wang is a professional that I would wholeheartedly recommend to anyone requiring assistance with Mortgage, Refinancing or Debt Restructure. Her attitude, work ethic and customer service is commendable and an example worth following.
  • Megan Campbel
    Julie is passionate about helping families get the best possible deal for home finance, or indeed helping then get into the housing market. Julie has a knack for reading market behaviour and financial forecasting, which puts her in a prime position to give sound advice based on your situation. She will also negotiate tirelessly with lenders and takes much of the pain out of planning for the borrower. Julie will be honest in her appraisal of your ability to borrow, so you won't get in over your head. She genuinely cares and wants to help families to optimise their financial security.
  • Akanksha S
    I highly recommend Julie as a mortgage broker. We are first time buyers and having Julie as our broker really helped us. We count on her for not only home loan processing but she also advised us on other matters which really helped us to make a knowledgeable decision when buying a home. Thanks a lot Julie for the being the best in your profession.
  • Sam B
    Julie was available and invested in the process, always ready with answers, and a pleasure to work with. An easy recommendation.
  • Olga Z
    IT Professional
    Julie Wang was recommended to us by our friend who has been dealing with Julie for several years now. We wanted to apply for a home loan to buy our first home in Australia, tried dealing directly with the lender, however, found that rather complicated. Starting from our first phone conversation and all the way through the settlement Julie was very understanding, knowledgeable and helpful. Not only she helped us to apply for a loan, but she was also "pushing" things through with the lender - even vendor's agent was impressed how quickly the bank performed all the necessary inspections (and this agent has seen a lot!). I would definitely recommend Julie to anyone thinking about a loan - that is so much easier, faster and more effective than dealing with the bank. Thanks, Julie!!
  • Ben Campbell
    Julie was an excellent help and was able to provide an excellent service with great mortgage and general financial advice. Julie was able to free up equity that we had in our property where we weren't able to before. This also came with a cheaper rate and in an even more challenging period of time. Would easily recommend her services to anyone seeking an initial mortgage or refinance. I wish we had spoken to her prior to our initial mortgage as it would have set us in the correct direction. Thanks for your help!
  • Julie H
    Not sure what we would have done without Julie Wang! She helped us get the unrefinancable refinanced! She has worked a miracle and we are now stress free and thousands of dollars better off. Hubby and I highly recommend talking to Julie- what Julie doesn't know is not worth knowing!
  • Gustavo G
    Julie, thank you very much for your guidance and patience during this process. You were always there helping me and sharing your knowledge and advice. I highly recommend your services.
  • Deb Kasmar
    Julie has been helping us for some time now and has been very patient with us. She managed to find an amazing interest rate for our home loan and continually updated us on how things were progressing. I highly recommend Julie for your mortgage needs, she’s thorough and so lovely. Thankyou again Julie.
  • Adrian Ng
    Highly recommend Julie for any mortgages as she has access to many lenders in the market. Julie was able to get us a great rate given the current economic conditions. She is very professional and knowedgable and always thinks of her clients first.
  • Mel O
    Julie has been a wonderful help through our initial process of refinancing our home loan and then recently purchasing a new home. Julie is easy to talk to and goes above and beyond to help you on the usually quite stressful journey. I can't recommend Julie enough and will continue to use her for many years to come. Thank you Julie!
  • Olli H
    Self Employed
    Being self employed it was hard for me to get a loan but thanks to Julie putting in the hard yards I’ve been able to afford and buy my first property on the northern beaches. Can’t thank you enough.
  • Elliot B
    Buying a home is stressful, but Julie manages to take much of the stress out of the process by taking you through each step calmly and in detail. She doesn't just procure your loan and make sure you get what you need, she teaches you the ins and outs of buying your first home. For this I would thoroughly recommend working with Julie to secure your mortgage
  • Teagan B
    I 100% recommend Julie. She is professional, knowledgeable and always goes above and beyond to deliver the best service and value for the client. We have purchased two properties through Julie this year and we honestly couldn’t have done it without her. We are so, so thankful for her services. Thank you, Julie!
  • Kimberly N
    Julie’s passion and knowledge really makes for a painless experience when going through the motion of buying a property. Julie really goes above and beyond to secure the best pathway for your circumstances and really prides on educating throughout the process. I can’t thank Julie enough for her ongoing assistance to me and my extended family when it comes to the stressful (in this case stressless) process of purchasing a property!
  • Latham D
    I could not recommend Julie Wang any higher. Julie was extremely caring and really help me by thinking outside the box where others couldn't. I have had other Mortgage brokers in the past but Julie is a cut above the rest. If you need to get a home or business loan then you need to see Julie Wang!
  • Fiona H
    Julie is so easy to talk to about finances. I highly recommend her as a mortgage broker. Julie has made the process enjoyable as she just loves what she does and explains things in a language that I understand!. Its a pleasure to work with her and learn about all things to do with finances. Thanks Julie
  • Fabricio C
    I just would like to thank Julie so much for our loan approval. She was so knowledgeable and guided us smoothly through a process that can take time and can be stressful sometimes making it all easy. She planned and used the best strategy that would fit our family. Can thank and recommend highly enough!!
  • Isla-Charlie Hall
    Julie was outstanding from start to finish. As new graduates relatively fresh in our jobs, complicated by 3 dependents, we presented her with an enormous challenge and placed a huge burden on her to help us with financing. Her knowledge of the various lenders and their products and policies was second to none - where other brokers shrug and say 'sorry, come back in 6 months', Julie fought for us to get exceptions to the black and white policies of lenders and it is no exaggeration to say she really helped us achieve our dreams. Every step of the way she was patient and was able to find us a lender that would meet our needs. Nobody else could do this, nobody else took the time, and nobody else stood with us for such a long journey to finally meet the goal. Cannot recommend highly enough!!!
  • Kate S
    10/10 ⭐ I can’t tell you how grateful I am to you Julie, you will be a constant in our life. We will check in with you every 6 months on our family finances, your advice & calm, trusting nature makes you a delight to deal with. Most grateful.
  • Janet B
    This is my normal look when people want to talk numbers...I know it’s an area I need to work on and I’m beyond grateful my hubby (not pictured) is so onto spreadsheets and the small print details of our finances. I am even more grateful to this incredible woman who LOVES numbers, has a passion for helping people work out their goals and dreams and helps to make a plan (gulp, huge goal!!!) and does so in an incredibly loving and caring way!!! We’ve seen mortgage brokers and financial advisers before but nothing was like the experience we had today! Julie Wang Pfefferle - you are an absolute legend. If you’re ready to have a second (or third or fourth) opinion by someone who truly cares she is your girl!!!
  • Prakash G
    Julie was really helpful and very understanding.She calmly Address all our query and her advice was really helpful as we are first home buyers. Really appreciate her efforts and would like to take her services in future.
  • Gabriela B
    It was my first time I took a mortgage by myself in Australia and Julie helped me all the way in my journey to become a happy owner. It gave me a true peace of mind knowing I could count on her for the very important and silliest questions. She did a great job finding me the perfect product that allowed me to buy in the suburb I wanted. I highly recommend her for her professionalism and positivism.
  • Niki W
    She is very easy to talk to and is happy to explain all your options on home loans and investment options. It is helpful that she is also an accountant.
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Latest News

  1. Are you a winner in this year's budget?

    The 2021-22 budget has now been released. There’s a lot of talk and I want to help break down the key initiatives targeting home ownership which could help you get into the property market sooner.

  2. Refinancing Your Home Loan - What You Need To Know

    Refinancing your home loan doesn't have to be complicated.

  3. Keep Room In Your Budget For Home Loan Fees

    When you’re planning for a mortgage it can be easy to only focus on the biggest expense - the value of the property.