- Principal Mortgage Broker · Geelong
Meet Paddy Dwyer
Your Geelong Mortgage Broker
Paddy has been helping Geelong families, professionals, and business owners navigate home loans, investment finance, refinance, and commercial lending since 2014. He is the face, the voice, and the expert behind every TriLending loan.
- The Story Behind TriLending
Finance Done Differently One Conversation at a Time
Paddy entered the finance industry in 2014 with a straightforward belief: that getting a home loan should feel like talking to a trusted expert, not filling out endless forms for a faceless institution. Over more than a decade, that belief has shaped everything about the way he works.
TriLending grew out of Paddy’s frustration with the way most lending worked. Clients were passed between staff, repeated themselves to different people, and often felt like just another application in the queue. He wanted to build something different. He wanted a business where the person you speak to first is the same expert who sees your loan through to settlement.
In 2024, Paddy rebranded from PD Financial Services to TriLending – a name that reflects the breadth of the business across home loans, investment lending, and commercial and asset finance. The rebrand marked a step forward in how Paddy shows up for his clients: with a clearer identity, a bigger offering, and the same personal service that has driven 54 five-star Google reviews with more added every week.
Today, TriLending is Paddy’s full-time focus – backed by Loan Market’s lender panel of 40+ banks and specialist lenders, and underpinned by his accreditation with the Finance Brokers Association of Australia (FBAA).
— Paddy Dwyer, Principal Mortgage Broker
Started in Mortgage
Broking in 2014
Paddy began working in the finance industry in 2014 and has built his career entirely in lending giving him deep, practical expertise across home loans, investment finance, refinancing, and commercial and asset lending.
Rebranded to TriLending
in 2024
What started as PD Financial Services became TriLending - a rebrand that reflected the growing scope of the business and Paddy's commitment to serving Geelong clients across all three pillars of lending: home loans, investment, and commercial finance.
Proudly Based in
Geelong
TriLending is a genuinely local business. Paddy lives and works in Geelong and services clients across the region - from the growing suburbs of Armstrong Creek and Mount Duneed to the Surf Coast and the Melbourne West corridor. He meets in person, by phone, or on video call.
- Credentials & Accreditations
Qualified. Accredited. Accountable
Paddy’s accreditations aren’t just letters after a name – they set the legal and professional standard by which he’s required to operate.
FBAA Member
As a member of the Finance Brokers Association of Australia (FBAA), Paddy is legally required to act in your best interest at all times. This is known as the "best interests duty" and is enforced by ASIC. It means Paddy cannot recommend a loan that benefits him at your expense - the opposite of how many people assume brokers work.
Plan Australia Accredited
Paddy operates through Loan Market, one of Australia's leading mortgage broker aggregators. This gives TriLending access to a panel of 40+ lenders - including major banks, credit unions, and specialist non-bank lenders - and the compliance, technology, and support infrastructure of an established national network.
ASIC Authorised Credit Representative
Paddy is an authorised credit representative of Loan Market Pty Ltd (Australian Credit Licence 390222). This means he's regulated by ASIC, required to maintain professional development, and must comply with the National Consumer Credit Protection Act. You can verify his licence at ASIC's MoneySmart website.
Access to 40+ Lenders
Through Loan Market's lender panel, Paddy compares home loans, investment loans, commercial finance, and asset finance products across more than 40 lenders — from the major banks to specialist lenders many clients would never find on their own. More choice means a better result for you.
- How Paddy Works
The Principles Behind Every Client Conversation
One Expert, Start to Finish
You work with Paddy and only Paddy. From your first conversation to settlement day and beyond. No handoffs to junior staff, no repeating yourself, no feeling like your file has been passed to someone who doesn't know your situation.
Plain English, Always
Finance is already complicated. Paddy's job is to make it feel simple. He explains every step, every product, and every decision in language that makes sense. The result is you leave each conversation feeling clear, not more confused.
We Handle the Hard Parts
Paddy manages the lender comparisons, the paperwork, the follow-ups, and the communication - so you don't have to. You focus on your property. He focuses on your finance. It's a simple division of labour that makes a real difference.
Genuinely Best-Interest Advice
Paddy is FBAA-accredited and legally bound to act in your best interest. He will tell you honestly whether a product is right for you. If it isn't, he'll tell you that too. He's not here to close a deal; he's here to get your loan right.
Specialist in Complex Situations
Self-employed income, trust structures, multiple income streams, business owners - Paddy has seen it all. He knows which specialist lenders understand these situations and how to structure applications that the big banks would turn down.
Accessible and Responsive
Paddy believes in staying in touch throughout the process. You shouldn't have to chase your broker for updates. He keeps you informed at every stage, from pre-approval to settlement, and he's available when questions come up.
- Beyond the Loans
The Person Behind the Broker
Paddy isn’t just a broker who happens to live in Geelong, he’s genuinely part of this community. He believes that understanding the people and places around you makes you a better advisor, and his involvement in local life reflects that.
Outside of work, Paddy is a competitive multisport athlete who represented Australia at the World Multisports Championships in Townsville in 2024. He describes this milestone with characteristic self-deprecation as “wearing the Aussie jersey unforgettably, if not exactly crushing the rankings.” That same competitive drive is exactly what he brings to every client’s loan. He’s prepared, focused, and willing to put in the work.
World Multisports Championships Competitor
Represented Australia in Townsville, 2024 - multisport athlete and triathlete
BNI Chapter President
Served as president of his local BNI chapter — his #1 referral network and a testament to the trust he's built in the Geelong business community
Proudly Local to Geelong
Paddy knows Geelong's suburbs, its growth corridors, and its property market - because he lives it every day
Triathlon Club Community
Active sponsor and participant in local triathlon community - sport and discipline are core to who Paddy is
- What Clients Say About Paddy
The People Behind the 4.9-Star 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!
- How Paddy Works
What Happens When You Work With Me
From first call to settlement day, here’s exactly what you can expect and what Paddy does behind the scenes to get your loan right.
We Start with a Conversation
A free 15-minute call to understand your situation - your goal, your timeline, and any complexity in your income or circumstances. No forms, no obligation, just a clear-headed conversation.
You Provide the Necessary Documents
I'll ask for a few key documents - typically payslips, bank statements, tax returns if you're self-employed, and proof of ID. The more complete the picture, the faster and more accurately I can work on your behalf.
I Assess What's Actually Possible
I look at your borrowing capacity, income structure, and deposit position - and give you an honest, realistic picture of where you stand and what your options are.
I Compare 40+ Lenders on Your Behalf
I search across my full lender panel - including specialist lenders most people wouldn't find on their own - to identify the best-fit options for your specific situation.
I Handle the Application and Paperwork
Once you've chosen your preferred option, I prepare and submit the application, manage all lender communication, and keep you updated throughout the process.
Settlement - and I Stay in Touch
Your loan settles, and our relationship doesn't end there. I stay in touch to make sure your loan is still working for you - and when circumstances change, I'm the first call you make.
Why Clients Choose Paddy Over Going to Their Bank
One expert - not a rotating team. You deal with Paddy from day one. No being handed off, no repeating yourself.
40+ lenders, not just one. Your bank can only offer their products. Paddy searches the full market to find the right fit.
No cost to you. Paddy is paid by the lender when your loan settles, not by you. All commissions are disclosed upfront.
Specialist in complex income. Self-employed? High income? Complicated structure? Paddy knows which lenders understand situations banks get wrong.
Legally required to act in your best interest. As an FBAA member, Paddy cannot recommend a loan that benefits him at your expense
54 Geelong clients gave him 4.9 stars. The reviews speak for themselves and most of them come from referrals and repeat clients.
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