Home loans and financial planning,
built around you.
Pay less on your mortgage, buy your next home or plan ahead.
Andrew for mortgages. Lincoln for financial planning.
As featured on...
Good News!
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.
Let’s get specific about YOU
We pride ourselves on being a broker for the people. It sounds cheesy, but it’s true.
Click on the one that sounds the most like you.
Meet Andrew.
Andrew Wheatley is a mortgage broker and co-owner of Whale Finance. He is fascinated (obsessed is probably a better term) with how mortgages work.
A three-time FBAA Finance Broker of the Year (VIC/TAS), 2021–2023, Andrew explains the options and the numbers so you can decide your next step.
Andrew joined 2CC Breakfast in Canberra with Stephen Cenatiempo.
Listen to Andrew explain the systems banks use and how understanding them can help you ask for a better deal.
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. ”
Here are some of our absolute values after 20 years in the industry:
- You deserve the best deal every time. We know how to find them.
- Mortgages don’t have to feel like work.
- Your mortgage is your biggest expense, and we can help you minimise it, freeing up cashflow.
Are you ready to chat? Book a free consultation now.
Could you pay less on your mortgage?
A loan that suited you when you took it out may be worth another look. The hardest part can be knowing where to start.
Our free two-minute Pay Less check asks what you’ve already tried and what’s getting in the way. Get tips relevant to you, plus our Get Your Bank’s Best Offer guide, call sheet and Pay Less Mortgage Method.
Use one tip or work through the guide. Do it yourself or ask for help. One useful step is a win.
What you get
We don’t think you should spend your valuable time on a call with us without knowing exactly what you’re going to get.
Testimonials
“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.”