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.

Based in the Sutherland Shire, Highland Financial Services specialises in mortgage broking and has a range of finance solutions for both your individual needs as well as your commercial and development requirements.

Our clients come to us from far and wide. Some clients find us as a result of buying, selling or renting with Highland Property Agents but many more are just searching for assistance with their finances.

With over 30 years’ experience in mortgage broking and finance, our expert team will work with you to find the perfect solution for your needs. Whether you are a first-time buyer, a sophisticated investor or seeking finance for development or commercial assets we have you covered.

Our partnership with Highland Property Agents

Highland Financial Services is part of the Highland Group which specialises in real estate in the Sutherland Shire.

Highland Group’s vision to go beyond providing real estate sales and management services was realised in 2014 when the opportunity for Highland Property Agents to join forces with Elevate Home Loans (now Highland Financial Services) was realised.

We are constantly searching for ways to better our service to our clients. Our clients want the best opportunity to secure their financial future, and with Highland Financial Services, they have the opportunity to review and optimise their finances – be that their home, commercial property, new construction, car, or peace of mind with insurance.

What We Do

  • Personal
  • Business
  • Insurance
Our vision is to always take our client offering to the next level. We want to provide our clients with a seamless and complete suite of complimentary services.


Highland Financial Services is a proud member of the Mortgage and Financial Services Association of Australian and the Finance Brokers Association of Australia.


Insurance Compliance


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.

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We're always ready to help.