Big Dreams Start Here.
From your first home to your forever home,
we make finance simple, personal, and stress-free.






Other businesses may try to “do it all” in one role — but at Whale Finance, we believe you deserve true expertise. That’s why Andrew focuses 100% on mortgages, while Lincoln focuses 100% on financial planning. Together, you get advice that’s seamless and reliable.
Not ready for a financial planner? No problem — you can still work with Andrew as your broker and come back to Lincoln when the time is right.
Not ready to book a call yet? No worries. You can send us an email instead with any questions you have.
We pride ourselves on being a broker for the people. It sounds cheesy, but its true.
Andrew Wheatley is the owner of Whale Finance. He is fascinated (obsessed is probably a better term) with how mortgages work.
Andrew and Lincoln started Whale Finance, fuelled by fascination, but also by their moral compass:
“We want to change the way Australians make decisions about money, to feel like they can set small and big goals and have the support to achieve them.
A key goal of our business is to help you change a couple of small things in the way you think and act, that can have hugely positive impacts on your finances. ”
Are you ready to chat? Book a free consultation now.
Is Your loyalty quietly costing you thousands?
Every bank has two kinds of home loan customers.
New ones. And existing ones.
New customers get courted. The sharpest rates, the best offers — everything a bank has, to win you.
Existing customers get kept. And over time, quietly, their rate drifts up.
You’re in one of those two boxes right now.
This 2-minute check tells you which one you are — and what staying loyal is quietly costing you.
We don’t think you should spend your valuable time on a call with us without knowing exactly what you’re going to get.
“After thinking about getting financial advice for years, my wife and I finally
engaged Andrew to help us last year. We lacked the financial knowledge, time
and confidence to do it ourselves - personal finance is pretty important, and
we didn’t want to make a mess of it! We didn’t know what to expect,
but Andrew made it easy, never rushed us and provided solid advice.
He spent as much time as we needed to make sure we understood everything.
We’re thankful for the assistance he provided us, I’m sure you will be too.”
“I had a terrible experience late last year trying to refinance with a 'Big 4' bank I’d been with for over 10 years. I was stressed out. I couldn’t believe the bank wasn’t helping me and instead was making my situation worse! A colleague referred me to Andrew. He helped me with the admin and quickly lodged my application. Within weeks, the loan was approved and with substantially better outcomes. I am smashing it now and feel so much relief (financially) and could not be happier.’
“Couldn’t recommend Andrew and his team highly enough. Helped us to consider all options available and the process was super easy. Everything is pretty much taken off your hands and they do all the hard work for you. If you’re looking for support with your mortgage or refinancing, engage Andrew as you’ll get a great service.”