- Geelong's trusted mortgage broker
Geelong's Mortgage Broker - One Expert Fully Focused on Your Loan
Getting a home loan should feel like having a knowledgeable friend in your corner. Paddy Dwyer compares 40+ lenders, handles the paperwork, and keeps you informed every step of the way. So you walk away with the right loan, not just any loan.
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- What We Do
The Right Loan for Your Situation
Whether you’re buying your first home, growing a property portfolio, or financing your business, Paddy finds the right fit across 40+ lenders, with no cost to you.
Home Loan
- Owner-occupied, upsizing & downsizing
- Investment properties & portfolio lending
- Specialist lending for self-employed & high-income earners
- Fixed, variable & split rate structures
Refinancing
- Commercial property & business finance
- Vehicle, equipment & machinery finance
- Solutions for sole traders, SMEs & professionals
- Fast approvals for time-critical purchases
First Home Buyers
- Owner-occupied, upsizing & downsizing
- Investment properties & portfolio lending
- Specialist lending for self-employed & high-income earners
- Fixed, variable & split rate structures
Commercial and Asset...
- Refinance to a better rate or access equity
- First Home Owner Grant & stamp duty guidance
- Home Guarantee Scheme (5% deposit options)
- Pre-approval & clear step-by-step support
Paddy Dwyer
Principal Mortgage Broker
One Expert. Start to Finish.
No Handoffs.
When you work with TriLending, you deal with Paddy – and only Paddy – from the very first conversation to settlement day. No junior staff. No call centres. No repeating yourself to someone new every time.
Paddy has been working in finance since 2014 and has helped Geelong families, professionals, and business owners navigate everything from first homes to complex commercial lending. As an
FBAA member operating through Loan Market, he has access to over 40 lenders – including specialist options that most people don’t even know exist.
His approach is simple: understand your full situation, compare what’s actually available, and give you a clear, honest recommendation. No jargon. No pressure. No runaround.
Member
Accredited
Since 2014
Lenders
59 Reviews
Member
Accredited
Since 2014
Lenders
54 Reviews
- Why TriLending
What Makes Working with Paddy Different
Geelong has plenty of mortgage brokers. Here’s why clients keep
coming back and recommending Paddy to their friends.
You Deal with One Expert From Start to Finish
No handoffs, no junior staff, no repeating yourself. Paddy manages every stage of your loan from first call to settlement. This way nothing gets missed, and you always know exactly where things stand.
We Do the Hard Work So You Don't Have To
Tell us your goal. Paddy compares 40+ lenders, manages all the paperwork, and keeps you updated every step of the way. You focus on the property and we'll handle the finance.
Specialists in Complex and Unusual Situations
Self-employed? Doctor? Business owner with complicated income? Paddy works with specialist lenders who understand your situation and knows exactly how to get your application across the line.
Our Guidance Costs You Nothing
Brokers are paid by the lender when your loan settles - not by you. You get access to 40+ lenders, expert advice, and full-service support at no direct cost. In rare cases where a fee may apply, we'll disclosed it upfront before we proceed.
- What Clients Say
54 Geelong Families. One Consistent Rating.
★★★★★
★★★★★
Working with Paddy Dwyer from TriLending was an exceptional experience from beginning to end. The entire process felt completely seamless thanks to Paddy’s efficiency, clear communication, and attention to detail. He handled everything promptly and professionally, making what could have been a stressful process feel straightforward and easy.
★★★★★
Couldn’t recommend Paddy enough! He’s always willing to answer any questions we have and made refinancing our home loan a simple process.
★★★★★
★★★★★
We recently brought our first home with the help of Paddy at Tri lending. Everything is this area is new to us and we found it very overwhelming at times. Paddy was beyond super! He broke everything down, explained all options and answered our most silly questions. We are super grateful to have worked with him and I would absolutely recommend him!
★★★★★
Paddy was recommended to me by a friend and he is just fantastic to deal with. Extremely responsive, explains everything clearly and is happy to answer any questions along the way. He made the process easy, and I’d recommend him to anyone!
- What Client Says
54 Geelong Families. One Consistent Rating.
★★★★★
★★★★★
Working with Paddy Dwyer from TriLending was an exceptional experience from beginning to end. The entire process felt completely seamless thanks to Paddy’s efficiency, clear communication, and attention to detail. He handled everything promptly and professionally, making what could have been a stressful process feel straightforward and easy.
★★★★★
Couldn’t recommend Paddy enough! He’s always willing to answer any questions we have and made refinancing our home loan a simple process.
★★★★★
★★★★★
We recently brought our first home with the help of Paddy at Tri lending. Everything is this area is new to us and we found it very overwhelming at times. Paddy was beyond super! He broke everything down, explained all options and answered our most silly questions. We are super grateful to have worked with him and I would absolutely recommend him!
★★★★★
Paddy was recommended to me by a friend and he is just fantastic to deal with. Extremely responsive, explains everything clearly and is happy to answer any questions along the way. He made the process easy, and I’d recommend him to anyone!
- Our Process
What Working with Paddy Looks Like
From first conversation to settlement – here’s what you can expect at every stage. Simple, clear, no surprises.
Book a Free Call
A quick 15-minute chat to understand your goal. No paperwork, no obligation.
Provide Documents
You provide all the necessary documents so they're ready for application.
Assess Your Situation
Paddy reviews your income, goals, and borrowing capacity - in plain English.
Compare 40+ Lenders
Paddy identifies the best-fit options and presents them clearly, without jargon.
We Handle Everything
Paddy manages the application, paperwork, and lender communication.
Settlement & Beyond
Your loan settles - and Paddy stays in touch to make sure it keeps working.
- Service Area
Geelong and Beyond - From the Surf Coast to Melbourne West
TriLending is based in Geelong and services clients across the full region. From the growing suburbs of Armstrong Creek and Mount Duneed, down the Surf Coast to Torquay and St Leonards, and across the Melbourne West corridor through Point Cook and Werribee. Paddy meets in person, by phone, or on video – whatever works for you.
- Geelong
- Mount Duneed
- Armstrong Creek
- Torquay
- Surf Coast
- Highton
- Newtown
- Belmont
- Lara
- Ocean Grove
- Barwon Heads
- Leopold
- St Leonards
- Portarlington
- Point Cook
- Werribee
- Waurn Ponds
- + Surrounding Areas
- Resources & Guides
Helpful Reading for Geelong Borrowers
Plain-English guides on everything from first home buying to investment
property – answering the questions Paddy gets asked most.
The Complete First Home Buyer Guide for Geelong in 2026
Best Suburbs to Invest in Geelong in 2025: A Mortgage Broker’s Perspective
How Much Can I Borrow for a Home Loan in Geelong?
Frequently Asked Questions
The questions Paddy gets asked most. Answered honestly and without jargon.
Can’t find your question here?
Do I need to pay LMI again when refinancing?
Possibly, but not always.
If your new loan is above 80% of the property value, LMI may apply again unless you qualify for a waiver or exemption. If your property value has increased or your loan balance has reduced, you may be able to refinance without paying LMI.
Can you help negotiate a better rate with my current lender?
Yes. In many cases, the first step is to see whether your current lender will offer a better rate.
If they are not competitive, we can compare refinance options and show whether moving lenders may be worthwhile.
What costs are involved in refinancing?
Refinancing costs can include discharge fees, government registration fees, new lender fees, valuation fees, annual package fees and possible break costs if you are leaving a fixed rate early.
The key is comparing the costs against the potential savings and benefits.
How often should I review my home loan?
Even without a specific trigger, it’s worth reviewing your home loan at least once a year as routine maintenance — rates, your circumstances and lender policies all shift over time, and a loan that suited you a year or two ago may no longer be the best fit.
This is separate to refinancing prompted by a specific event (see above) — think of it as a regular check-up rather than a reaction to something changing.
How much could I save by refinancing?
The saving depends on your current interest rate, loan balance, remaining term, new rate, fees and whether the loan term changes.
A proper comparison should look at both the repayment difference, costs to move and the total interest cost over the life of the loan, not just the headline rate.
How does refinancing work?
Refinancing means replacing your current home loan with a new loan.
This could be with your existing lender or a different lender. If you move lenders, the new lender pays out the old loan and your repayments continue under the new loan setup.
When should I consider refinancing my home loan?
Refinancing is usually prompted by a specific trigger — your interest rate is no longer competitive, your fixed rate is ending soon, you want better loan features, your property value has changed, you want to consolidate debt, or your current lender no longer suits your needs.
If one of these applies to you right now, it’s worth a conversation to see whether refinancing (or simply renegotiating with your current lender) makes sense.
Can I consolidate debts into my home loan?
In some cases, yes.
Debt consolidation can reduce monthly repayments by rolling debts such as personal loans, car loans or credit cards into your home loan. However, it can also stretch short-term debt over a longer period, so it needs to be considered carefully.
How does buying out a partner’s share of a home loan work?
Buying out a partner’s share generally means refinancing the loan into your name alone, at a value that reflects their share of the equity being paid out.
This usually requires a formal valuation, updated loan application assessed on your income alone, and legal documentation confirming the transfer of title — often a Transfer of Land and, where relevant, a Family Court or Federal Circuit and Family Court order. Some lenders also offer exemptions from Lenders Mortgage Insurance in these situations even above 80% lending, provided the transaction meets their criteria. We can talk you through what’s needed and coordinate with your solicitor along the way.
Can you help with a home loan after separation or divorce?
Yes — this is an area we work in regularly. Separation often means reassessing your borrowing capacity as a single income, working out whether to refinance, sell, or buy out a partner’s share, and doing it within the timeframes set by a property or consent order.
Every situation is different, so we take the time to understand where things are at, what’s been agreed (or is still being worked through with your lawyer), and which lenders have policies that fit — including how they treat things like spousal maintenance, child support or a settlement still in progress.