My name is Caroline Lima, the owner of Embrace Financing. I love being a part of someone's journey, whether it is buying your first house, getting that new truck for your business, finally building your dream home, or even simply saving you on interest charges so you can use your money for more important things.

To achieve this, we have access to over 25 lenders and hundreds of loans to find you the right home loan. I will help you with the whole process including determining your borrowing capacity, deciding what loan features work out best for you and negotiating a great rate with the lenders.

Caroline Lima | Mortgage Broker

Our Services

Home Loans
Refinancing
Investment Loans
First Home Buyer Home Loans
Unlocking Equity
Car Finance
Commercial Property Loans and Business Finance
Asset Finance
Construction Loans
Debt Consolidation

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Our commitment to you

Keeping it simple

I will complete all the paperwork and do the running around while keeping you up to date every step of the way.

Free Consultations

Free consultations. I'll help you understand how much you can borrow, what your repayments would be and explore loan options from a range of lenders.

Competitive Rates

We compare over 25 lenders and hundreds of loans for you to find you a great deal and a competitive rate

Expert Advice

You will receive expert advice for all your home loan and other lending needs.

Pre-Approval

I will help you get pre-approval for your home loan so you can buy with confidence.

Ongoing Support

I am committed to ensuring your loan is right for you throughout the application process and through the entire life of the loan.

Access to some of Australia's Leading Lenders

What our customers are saying

Debra T.

"Totally would recommend Embrace Financing to anyone. Caroline was absolutely amazing & I felt she went above & beyond to help me buy a home. Being a single mum, it was extremely difficult to get a loan from any major banks, even though I had a reasonable deposit. Finally after almost 12months, I am now paying off my own home all by myself.🙂"

Stacey G.

"Caroline went above and beyond helping us from the very first appointment. We had multiple hurdles and she handled every one just amazingly, nothing was too difficult. Her communication was spot on always keeping us in the loop. I can not recommend Caroline highly enough her professionalism is second to none. We can’t thank her enough!"

Resource Center

Why brokers hold the keys to getting your foot in the property door

Getting a foot in the door of your dream home might be getting harder, but talking to a mortgage broker could get you the keys more quickly. Purchasing a property in today’s housing market is notRead more

8 expenses to budget for before you buy a home

Buying your dream home can come with a list of costs that do not have to be a nightmare if you plan in advance and budget for them. These expenses can add up. Sometimes, it can feel like someoneRead more

The property purchase process

For many, purchasing a home is a daunting process. This is especially true for First Home Buyers, but also those that haven’t purchased property in a while. Let’s face it, most of us stay in oneRead more

Understanding which home loan features are right for you

Loans are by no means ‘one size fits all.’ Different loan types suit different age groups, different living situations and even different attitudes to money. A common trap some home-owners fallRead more

Money-saving SOS: Effective tips to help land that home loan

Looking to enter the property market and worried about how you’re going to secure your first home loan? It’s time to start making your money work for you so you can land that loan. Qualifying forRead more

How to pay off your mortgage sooner and save thousands

It’s a simple equation. Paying down your mortgage sooner can save you thousands of dollars in interest in the long run. Here are some ways to make the most of every dollar while paying off yourRead more

8 tips for stress free moving with kids and pets

There’s no denying that moving home is stressful. Boxes disappear inside the removal truck at one end and reappear at the other in random locations around your new house. The anxiety of not findingRead more

7 tips for organising your finances before you buy a home

There are many tips for buying a property, but there’s one essential element that no one can avoid - getting your finances in great shape before you start. Knowing what you can afford is a criticalRead more

What to know for a hassle-free settlement day

If you are buying or selling a property, the settlement period is when you will deal with finances and paperwork to legally transfer ownership of the property. Your financial and legal reps will handRead more

To offset or not to offset

Is having an offset account really worth it? The answer is, it COULD be. There are a number of things you need to be aware of when it comes to offset accounts. Basically an offset account means that Read more

4 questions every property buyer should ask their real estate agent

If you are buying a new home or investment, chances are you will be attending a lot of open houses and meeting a lot of real estate agents. Finding the right property involves time and research, soRead more

7 ways to minimise debt in preparation for a mortgage

While you don’t need to be debt-free to secure a mortgage, you do need to demonstrate that you’re responsible with your finances. This means steadily paying down existing debt and savingRead more

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Caroline Lima (CRN 490752) and Embrace Financing Pty Ltd ACN 659 453 988 (CRN 542273) are Credit Representatives of National Lending Group Pty Ltd ABN 43 152 947 852 (Australian Credit Licence 412778)