The best possible solution.
As independent brokers with access to 50+ lenders — we work for you.
20+
Years Experience
50+
Lenders on Panel
100%
Independent
$0
Cost to You
Trusted by hundreds of Australian clients
Who We Are
We get to know you.
Breathe Finance exists to help businesses and individuals achieve their goals. With a passion for client satisfaction, we feel the key to the best outcome is obtaining a great understanding of you.
Only with a true understanding of your needs and goals can we focus on finding the best possible fit for your finance requirements.
When it comes to commercial or residential finance, we have extensive access to the Australian finance market and can source the right solution to suit you.
- Access to 50+ Australian lenders
- No cost to you — lenders pay our fee
- Pre-approval to settlement handled end-to-end
- 100% independent — we work for you, not the banks
Our greatest rewards come when our clients refer our services to their colleagues and friends.
Rohan Wood
Director, Breathe Finance
20+
Years
50+
Lenders
$0
Cost to You
What We Do
A Fresh Approach to Finance
The finance market is dynamic — interest rates change, legislation changes, bank policy changes. Let us help you navigate.
Why Choose Us
The Breathe Finance Difference
As independent brokers, we work across 40+ lenders to find the best possible solution for your unique situation.
Years Experience
Decades of expertise across major Australian lending organisations.
Independent
We work for you, not the banks — giving you access to the full market.
Cost to You
Our service is free to you — lenders pay our fee, not you.
Lenders on Panel
A wide panel of Australian lenders means more options and better rates.
Finance Specialists
Meet the Team
Lachlan Haig
Co-Director & Finance Broker — Breathe Finance
With over 20 years' experience across a number of market-leading financial organisations, Lachlan brings deep expertise in residential and commercial lending to every client relationship. He is committed to providing independent, honest advice and genuinely working in his clients' corner.
- Full Diploma of Finance & Mortgage Broking
- Bachelor of Commerce — Accounting & Marketing
- Grad Cert of Corporate Management
Breathe Finance is a Credit Representative of VOW Financial Pty Ltd. VOW Financial ABN: 66 138 789 161 | Breathe Finance ABN: 78 696 124 231
Rohan Wood
Co-Director & Finance Broker — Breathe Finance
With two decades of business banking experience, Rohan's career has spanned three major Australian lending organisations. Past clients have been drawn from a range of industries including wholesale, manufacturing, professional services, and property development and investment.
- Bachelor of Business (Management)
- Graduate Diploma in Applied Finance
- Diploma in Finance Broking
Rohan Wood is authorised as a credit representative (No. 479475) on behalf of Vow Financial Pty Ltd ACN 138 789 161 (ACL No. 390261)
How It Works
Simple. Transparent. Stress-Free.
From first conversation to settlement, we handle the complexity so you don't have to.
Free Assessment
We start with a no-obligation conversation to understand your goals, financial situation, and timeline. No paperwork yet — just a genuine chat.
Loan Research
We search our panel of lenders to find the best rate, structure, and features for your needs. We present you with clear options and our recommendation.
Application & Approval
We handle the entire application process — collecting documents, liaising with the lender, and keeping you updated every step of the way until formal approval.
Settlement
We coordinate with your solicitor, the lender, and all parties to ensure a smooth settlement. We're with you right through to the finish line.
Ready to get started? Step 1 is free and takes just 15 minutes.
Client Stories
What Our Clients Say
Our greatest reward is when clients refer us to their friends and family.
Lachlan made the whole process incredibly easy. We were first home buyers and had no idea where to start — he explained everything clearly, found us a great rate, and was available whenever we had questions. We couldn't recommend him more highly.
Sarah & Tom M.
Richmond, VIC · First Home Buyers
Rohan saved us over $400 a month by refinancing our loan. We'd been with the same bank for 8 years and had no idea we were paying too much. The whole process took less than 3 weeks and Rohan handled everything. Brilliant service.
David K.
South Yarra, VIC · Refinance
As a self-employed business owner I thought getting finance would be a nightmare. Breathe Finance understood our situation immediately, found a lender who worked with our structure, and got our commercial loan approved when two banks had already said no.
Michelle T.
Hawthorn, VIC · Self-Employed / Commercial
We used Breathe Finance to purchase our investment property and the experience was seamless. Rohan sourced a competitive interest-only rate and walked us through the tax implications too. We'll be back for our next purchase.
James & Priya L.
Fitzroy, VIC · Investment Property
Our SMSF borrowing situation was complex and every bank we approached turned us away. Lachlan knew exactly which lenders would consider our structure and had us approved within a month. Exceptional knowledge and communication throughout.
Robert & Karen S.
Toorak, VIC · SMSF Borrowing
I needed asset finance for three new vehicles for my business. Breathe Finance compared options across multiple lenders and saved me thousands compared to what my accountant had quoted. Fast, professional, and genuinely helpful.
Craig B.
Port Melbourne, VIC · Asset Finance
Real Outcomes
Results That Speak for Themselves
$412/mo
Monthly saving
Refinance — South Yarra couple, 8 years with same bank
3 weeks
Approval to settlement
First home buyer pre-approval and full settlement, Richmond
3rd attempt
Approved after 2 bank rejections
Self-employed commercial loan, Hawthorn business owner
40+ lenders
Compared for every client
Independent access across 40+ lenders to find the right fit
Common Questions
Frequently Asked Questions
Everything you need to know about working with an independent mortgage broker.
Ready to breathe easy about your finances?
Get a free, no-obligation assessment from our team of independent finance brokers.
Postal Address
PO Box 8051
Kooyong VIC 3144