We understand a Home Loan is a personal choice, we listen and will help you find the right loan for your individual requirements.


We are accredited with 30 lenders.

Sea Breeze Home Loans is located on Sydney’s Northern Beaches but we service clients nationally.

We specialise in:

New Home Loans & Investment Properties

Refinancing of existing Home Loans and Debt Consolidation

Self Managed Super Fund loans (SMSF)

Bridging Finance

Deposit Bonds

Motor Vehicle Finance

Boating Finance

Machinery and Equipment Finance

All Part of the Service

Provide lender comparisons – to assist you making an informed decision.

Suburb property reports – so you can find the area that best suits your requirements.

Property valuations – We’ll help with that.

Co-ordinate with your solicitor, real estate agent and lender – so you don’t have to.


We do not charge a fee for our service

About – Jennifer McDowell

Mortgage Broker (Partner)

MFAA Member Cert IV

Diploma in Finance Services

Justice of the Peace

Over 12 years experience

Lives locally on the Northern Beaches of Sydney

About – Brett Hooper

Operations Manager (Partner)

Over 26 years in the Customer Service Industry

Lives locally on the Northern Beaches of Sydney



We pride ourselves in the fact that the majority of our business comes through referrals from our happy and satisfied customers.

We have recently used the services of Jennifer at Seabreeze Home Loans, for the second time in the last few years. The service we received on both occasions was without fault.

Jennifer works in such a professional and friendly manner, communicates promptly and gave us the very best service, and achieved a great result for our finances on both occasions.

We wouldn’t have any hesitation in recommending the services of Seabreeze Home Loans to anyone needing to finance or re-finance a loan.

Andrew and Leigh (NSW)

We have had Jen McDowell of Sea Breeze Home Loans organise two loans for investment residential properties for us in the past few years. We are currently looking for a new project property and Jen and partner Brett Hooper, will be organizing the finance for us once again.

If you want to find a loan that suits your circumstances, Jen and Brett at Sea Breeze make the whole process amazingly easy. I would recommend them to anyone who is purchasing property or who has had a bad experience with banks or mortgage brokers.

Jen and Brett will restore your confidence and you will not regret consulting with Sea Breeze.

Happy Customers

Rod and Karen Coe (QLD)

We cannot speak highly enough of Jen McDowell as a mortgage broker.

Jen has helped finance 7 investment home loans for us over the past three years. Her service does not finish when she has found a competitive loan, it extends to refinancing for a better deal when the term has expired. Jen is always accessible via email and phone. She explains complex financial terms in everyday language and never tires of repeating herself!

We entrusted Jen to find the best finance deal for our son when he started investing in the rental housing market.

We would recommend Jen’s mortgage financing skills to anyone interested in refinancing an existing loan or starting out with a new loan.

Peter and Michelle (QLD)

After meeting with three different mortgage brokers over several months Jen was the only one that could get across the line with the property we wanted to purchase.

She has such a great manner and such a professional attitude and we were just so happy with her service.

Andrew and Melanie Carmichael (NSW)

Contact Us

Phone: (02) 9918 4344

Jennifer: 0416 071 728

Brett: 0422 971 776

Licensing statement: Credit Representative 432292 is authorised under Australian Credit Licence 389328.

Disclaimer statement: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

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