Business Details
Your Trusted Mortgage & Finance Partner
At Coffee Finance, we bring decades of expertise to the mortgage and finance industry, offering personalized solutions tailored to each client's unique journey. Our team of seasoned professionals works tirelessly to connect clients with a vast network of lenders, ensuring access to thousands of competitive products. We specialize in residential, commercial, and investment finance, empowering first-home buyers, business owners, and investors to achieve their goals. Our streamlined online application process and deep understanding of lending guidelines ensure a seamless experience from pre-approval to settlement. With a focus on transparency and client-centric service, we prioritize your financial story, whether you're purchasing a home, expanding a business, or exploring SMSF borrowing.Our commitment to excellence is reflected in our track record of satisfied clients and industry recognition. We pride ourselves on structuring loans with flexibility, including variable/fixed rates, interest offset accounts, and lines of credit, while maintaining rigorous compliance standards. Our team's collective experience, spanning over 60 years across residential, commercial, and banking sectors, positions us to deliver exceptional outcomes. We actively engage with clients to demystify finance processes, offering clear guidance on first-home owner grants, borrowing capacity assessments, and settlement logistics. Our dedication to continuous improvement ensures we remain at the forefront of industry innovations while maintaining the personal touch that defines our service.
Services
Residential Mortgages
Commercial Finance
Car Leasing
SMSF Borrowing
Pre-Approvals
Investment Loans
Construction Finance
Highlights and features
- We offer decades of combined experience in residential and commercial finance broking
- Our team accesses thousands of loan products from major lenders nationwide
- We provide personalized loan structuring with variable/fixed rate options and offset accounts
- Our streamlined online application process ensures faster approvals and settlements
- We maintain deep expertise in first-home owner grants and SMSF borrowing strategies
What people say
Smooth finance experience
Personalized service
Expert guidance
Efficient process
Tailored solutions
Services
Residential Mortgages
We specialize in residential mortgage solutions tailored to first-home buyers, investors, and owner-occupiers. Our brokers access competitive rates across variable, fixed, and offset loan structures. With expertise in first-home owner grants and 100% lending options, we simplify the home-buying journey from pre-approval to settlement.
Commercial Finance
Our commercial finance experts deliver tailored lending solutions for property purchases, business expansions, and development projects. We work with various entities including companies, trusts, and SMSFs to structure cost-effective loans. Our industry relationships enable access to specialized commercial products and flexible repayment terms.
SMSF Borrowing
We facilitate property investments within self-managed super funds, offering solutions for both residential and commercial acquisitions. Our team collaborates with financial advisers to ensure compliance with regulatory requirements while optimizing investment strategies. We provide end-to-end support for SMSF loan applications and settlements.
Car Leasing
Our vehicle finance solutions help clients acquire cars, boats, trucks, and equipment through competitive leasing and purchase options. We connect clients with lenders offering flexible terms for both personal and business use vehicles. Our process simplifies documentation and approval timelines for quick access to transportation assets.
Pre-Approvals
We provide comprehensive pre-approval assessments that clarify borrowing capacity and repayment expectations. Our detailed evaluations consider individual financial circumstances to identify suitable loan products. This service includes cost calculations and grant eligibility assessments to support informed property purchasing decisions.
People
Laurie Plooy
Director and Broker
As director, Laurie leverages extensive experience in residential and commercial finance to deliver tailored solutions. He specializes in helping first-home buyers, developers, and business owners achieve their property goals through strategic lending arrangements.
Jo Plooy
Office Manager
Jo manages Coffee Finance's operations with a background in administration and finance broking. Her focus on workflow efficiency ensures smooth service delivery across all client interactions and internal processes.
Stephen Applebee
Broker
Stephen brings over 30 years' experience in finance broking, specializing in residential and commercial lending. His expertise helps clients navigate complex financing requirements, particularly for new home buyers and business investors in the Hunter Valley region.
Lesley Ware
Client Services Coordinator
With 21 years in banking and six years as a senior loans assessor, Lesley manages loan processes from application to settlement. Her deep knowledge of lending guidelines ensures efficient processing for all client transactions.
Debbie Osborn
Client Support
Debbie offers 30 years' banking experience in home loans and business finance. Her client-focused approach provides personalized support throughout the lending journey, combining industry expertise with practical solutions.
Questions
How do you help first-home buyers?
We guide first-home buyers through the entire process, explaining grant eligibility, assessing borrowing capacity, and accessing competitive rates with flexible terms.
What commercial finance options exist?
We offer purchase financing, development loans, and business expansion funding through major lenders, with structures tailored to companies, trusts, or SMSFs.
Can I borrow 100% for property purchases?
Yes, some lenders offer 100% financing options for eligible applicants, which we can help assess and arrange based on individual circumstances.
How does SMSF property borrowing work?
We facilitate SMSF loans for residential and commercial properties, working with your advisers to ensure compliance while optimizing investment outcomes.
What vehicle finance solutions are available?
We arrange car, boat, and equipment leases or purchase financing with flexible terms for both personal and business use vehicles.
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