Highland Financial Services

About Us

Highland Financial Services have built a business that is flexible, responsive and focused on relationships, not transactions. These qualities enable us to offer tailored solutions to our customers' most demanding finance challenges.

Meet our diverse team of energetic and driven real estate professionals.

We’re here to make the process of finding you the perfect loan as simple and straight forward as possible.

What we do

We’re here to make the process of finding you the perfect loan as simple and straight forward as possible.

We’ll help you find your loan in three easy steps;

  1. Consultation. During your first meeting with us, we will work with you to get a better understanding of your lifestyle, your goals and what you hope to achieve.
  2. Find you the perfect loan. Next, we will calculate your borrowing power and how much you can afford to repay. We’ll then compare a wide range of loans to find the one which best suits your needs.
  3. Secure pre-approval. Once we have secured a pre-approval for your loan you will be on your way to securing your new home or investment.

We will manage the entire process for you from start to finish and keep you updated every step of the way.

Our service doesn’t end once your loan has settled. Our team is here to provide you with after-loan service and advice for as long as you need us.

Down the track, we’ll provide a free loan health check to ensure your loan is still the best product for your financial situation. After all, your lifestyle and needs may change over time, and we’ll be sure to review your requirements and modify your loan to suit you.


Use the calculators to figure out how much you can borrow, loan repayments, extra payments, split loan simulator, how much you will pay in stamp duty and so much more.

Why Us?

Natalie Denyer made things happen when she said she would and stayed in contact with me throughout the whole process. Her level of service and her persistence to get the loan approved in time were amazing. I would highly recommend Natalie to friends and family.

Matthew Ettia

Natalie was handling the loan for a mutual client of ours looking to buy an investment property with strict requirements. Natalie and the team were so easy to deal with and ensured the process ran smoothly from start to finish so that our client remained stress free and I could focus on the purchase of the property. We always felt highly prioritised and all matters were urgently attended to. I would highly recommend Natalie and the Highland Financial Team.

Luke Williams
Senior Buyers Agent, Christian Adam Buyers Agency

I would like to thank Natalie and Tim for assisting both my husband and myself with setting up the mortgage for our investment property in Islington. From the initial contact that was made via phone and the meeting that followed, I have had excellent service with ongoing communication and updates regarding the negotiation of an excellent rate – 1.51% discount off our Principle and Interest Investment Loan. Natalie was fantastic in keeping me updated via various sources which suited my needs – from email to phone calls, text messages and F2F meetings. The entire process was seamless and I will be recommending your services to friends and family that have similar needs.

Anitra and Jason Hopcroft

It was a pleasure to work with Natalie and the team at Highland Financial who went above and beyond to complete the home loan process. I was always kept up to date with any developments regarding the loan. I would highly recommend Natalie and Highland Financial Services to friends and family and would definitely use Highland again.

Linda Shaw

Thank you to Natalie Denyer and the staff at Highland Financial Services for arranging the finance for the purchase of our new apartment. Natalie was very efficient and always communicated with us when she said she would, constantly following up and ensuring that our loan application was completed with a minimum of fuss. We highly recommend Highland Financial Services with special thanks to Natalie for her personal and professional manner and for making a stressful situation that much easier.

Ray and Sharon Kelly

We recently used Natalie Denyer from Highland Financial services to refinance our home loan. Natalie went out of her way to make the whole process a smooth and seamless as possible and always kept us up to date with how things were progressing during the application process. The interest rate Natalie was able to negotiate was very competitive and has saved us thousands on our home loan. We really appreciate the work Natalie put into structuring our loan to best suit our individual needs and we are happy to recommend her to others looking for help with their home loans.

Michael Wicks

Even as a banking customer with Natalie I was made to feel more than just a number, so when needing to refinance was only too keen to re-engage with Natalie to see if she could assist in securing something better for me. Natalie's promptness and attention to detail, notably her customer service and in-depth banking knowledge, secured me a much better deal than what I had been negotiating in little time at all with no fuss. I have once again recommended Natalie to family and friends to help them secure a favourable outcome, particularly knowing that she now has the backing of a reputable company in Highland Financial Services.

Matt Henson

I found Natalie to be prompt, professional and punctual. Went that extra mile to find us the best deal when the big banks said no. Extremely happy with Natalie’s services.

Adam Roberts

We can't thank Tim Laurence enough for his service and what he has done for us. We went through a few banks initially and they knocked us back even though we owned another home with no mortgage. We were extremely disappointed and felt our options were exhausted. We were referred to Tim, and with his help we received the approval amount we desired and settled on our due settlement date. We've never met a mortgage broker as awesome as Tim. The most impressive part was his knowledge, he knew and explained the process every step of the way and made us feel at ease at all times. Tim really knows his stuff and gave us plenty of options along the way making us feel very comfortable. Nothing was ever a problem. Thank you Tim we're so impressed by your knowledge, professionalism and efficiency. We highly recommended you and Highland Properties Agents.

Jasmine Tran and Peter Petrevski

After applying for loans the traditional way, doing it ourselves, and getting nowhere fast, we were advised by a friend Nathan Smith, to get in touch with Tim Laurence at Highland Financial Services. As we live on the proposed F6 Freeway, we approached one of the big 4 banks with regards to re-financing our loan but we did not feel we were getting the best advice for our situation. Tim was meticulous in every aspect of helping us to achieve what had previously seemed unreachable. I would have no hesitation in recommending Tim, whom was always helpful and patient.

Lori and Craig Boylan

Benita & I have been active in the property market over recent years & have dealt with financial institutions directly & with a couple of Mortgage Brokers for our finance. With our apartment at Kirrawee coming up for settlement later in the year we made an approach to Highland Financial Services to package finance to suit. We met with Natalie Denyer who worked through our property portfolio/finance & provided various options that would suit our current & future needs The service, attention to detail, communication & follow up we received was first class. We are extremely happy with the financial arrangements that have been put in place & even after the loans were all settled received follow up to ensure everything was in order, not just the loans but follow up with the banks, on cards, savings accounts & online banking. I have not received this level of service from any of the mortgage brokers or financial institutions in the past & would highly recommend Natalie at Highland Financial Services for any interested persons looking at their finances.

Brad and Benita Richards

From the moment we got into contact with Natalie and the team regarding our loan, her services were kind, helpful and efficient. She has a thorough knowledge of the market, and a broad understanding of how to best serve the needs of her clients. She also has the ability to navigate any difficulties that arise with patience and positivity. We would recommend her without hesitation.

Matthew and Jody Destry

I recently purchased a brand new work vehicle using Highland Financial Services and Tony Gentle. I couldn’t recommend their service enough, it was a seamless process securing finance for the car with a competitive interest rate and a really quick turnaround time. Tony was able to source a better price for the vehicle also, saving me and my business a substantial amount of money! I will definitely get in contact with Highland Financial Services for any new car purchases and financing in the future.

Trent White

A range of first class professional services across the Sutherland Shire.

Careers with Highland Property

We are always on the lookout for talented people to join our team.

Get in touch with us.
We're always ready to help.