Your lending journey, simplified.

Personalised finance support backed by expert guidance, real choice and genuine care.

At Pacific Horizon finance, we make the lending process clear and straightforward – so you can focus on what matters most: your goals, your family, and your future.

Based in Victoria, Pacific Horizon Finance supports clients across Australia – from families, professionals, expats, and small business owners. Whether you’re buying your first home, refinancing, investing, growing your business or managing more complex lending needs, we’re here to help you move forward with confidence.

With access to over 60 lenders, trusted relationships, and deep industry knowledge, we provide tailored solutions that deliver real value – based on understanding, not just rates.

Choice of over 60 lenders

We take pride in simplifying the complex, while staying personally connected to every client. Our approach combines secure digital tools with personalised service — to make your experience efficient, supportive, and transparent from start to finish.

At the heart of Pacific Horizon Finance is a commitment to partnership — built on:

Honest Advice, Tailored to You

We take the time to understand your unique situation so we can offer advice that’s practical, relevant, and always in your best interest. No sales spin—just real support, built around your needs.

Clear, Responsive Communication

From the first chat to settlement day and beyond, we keep you informed at every step. You’ll always know where things stand—and we’re just a call or message away whenever you need us.

Unbiased Lending Guidance

With access to a wide network of lenders, we recommend what works for you—not for any bank. Every solution we offer is aligned with your goals, not someone else’s bottom line.

Giving back, together

Purpose With Impact

At Pacific Horizon Finance, purpose is part of the foundation. We believe doing good business means doing good for others. That’s why we’ve pledged to donate 3% of our profits each year to causes that make a real impact. By working with us, you’re also helping support:

Children and young people who deserve education, health, and opportunity
Seniors who deserve dignity, support, and peace of mind
Multicultural communities and migrants who enrich our society
Initiatives that promote access to health and education for all

Charities We Support

The Smith Family

Helping break the cycle of disadvantage through education, The Smith Family supports thousands of young Australians to succeed at school and beyond—something we believe in deeply.

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Teach For Australia

This program places passionate educators where they’re needed most—helping to close the education gap in communities across the country. We’re proud to support a future built on equal opportunity.

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Heart Foundation

Dedicated to preventing heart disease and supporting those affected, the Heart Foundation’s work aligns with our value of looking after the people and communities we serve.

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Australian Red Cross

From disaster relief to everyday support for vulnerable people, Red Cross makes an impact where and when it’s needed most—something we deeply admire.

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Save the Children Australia

Focused on protecting children’s rights and supporting their wellbeing worldwide, Save the Children’s mission connects to our belief in giving the next generation a better future.

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National Seniors Australia

We believe every stage of life should be supported with dignity. National Seniors Australia advocates for the wellbeing, financial security, and inclusion of older Australians.

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Cancer Council Australia

As one of the most trusted health charities in the country, the Cancer Council leads the fight against cancer through research, prevention, and patient support—causes close to many of our hearts.

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Important Note While our donation pledge is just beginning, our commitment is real. As Pacific Horizon Finance grows, so will our impact.

At Pacific Horizon Finance, our values guide how we work, how we grow, and how we support every client.

Kaizen — Always Improving

We believe in the power of progress, no matter how small. By reflecting, learning, and adapting, we continuously improve the way we support our clients, partners, and community.

Integrity & Transparency

Trust starts with honesty. We offer clear, upfront advice and open communication—always putting your best interests at the heart of what we do.

Client-First Thinking

No two journeys are the same. That’s why we listen first, tailor solutions, and guide you through the process with clarity and care.

Relationships That Last

We’re not here for a quick transaction—we’re here for the long run. Whatever your next chapter looks like, we’ll be by your side.

Purpose in Every Step

We’re proud to give back. Our 3% profit pledge supports causes that matter—because real success uplifts others along the way.

Who we help

At Pacific Horizon Finance, we work with people from all walks of life—first-home buyers, business owners, expats, downsizers, and everyone in between. Whether you’re taking your first step or planning your next big move, we’re here to guide you with clarity, care, and confidence.

Disclaimer Pacific Horizon Finance acts as an intermediary and does not directly or credit products. All lending options are subject to lender terms, eligibility criteria, and individual assessment.