
About us
With a focus on personalised service and expert guidance, Future Freedom Finance is here to support you through every stage of the lending process.
Finance guidance aligned to life goals
Future Freedom Finance is a mobile mortgage brokerage serving Woonona, Bulli, Thirroul and surrounding areas, helping individuals and families make confident, informed finance decisions with a focus on long-term freedom rather than short-term transactions; by taking the time to understand your broader life goals, we align lending strategies that support stability, growth and peace of mind over time, whether you’re buying your first home, refinancing, investing or exploring commercial or asset finance, with clear communication, practical loan options and hands-on support through application and settlement.

Rob Burgess
Mortgage & Finance Broker
Rob Burgess is a Mortgage & Finance Broker at Future Freedom Finance who brings a grounded, people-focused approach to every client relationship. With extensive experience in business ownership, finance and client services, Rob specialises in simplifying complex lending matters so clients can make clear, informed choices. He is committed to helping individuals and families feel supported and confident at every stage of their financial journey, whether they are buying their first home, refinancing or planning for future growth. At Future Freedom Finance Rob aligns his work with the company’s focus on long-term freedom rather than short-term transactions. He takes time to understand each client’s broader life goals and helps shape lending strategies that promote stability, growth and peace of mind over time. Known for clear communication and steady guidance, Rob values long-term relationships and works alongside clients to navigate decisions with care and integrity.
Our services
We provide extensive support for all your home loan and finance needs across a broad range of services. Whatever your circumstances, our experienced team is committed to identifying options that fit your situation.
Common questions and answers
In addition to offering competitive rates, we pride ourselves on being available to help with whatever questions you have throughout the life of your loan. We don’t discriminate against first-time buyers or experienced investors – no matter who you are, we’re committed to being there when you need.
What does a broker do?
A broker is a finance professional who will work with you one-on-one to discuss your borrowing goals and help you determine how much money you can qualify for. They typically provide a more personalised level of service than you would receive from a lender and also have access to loans from multiple lenders, so they can find the best loan terms for your unique situation.
Do you charge fees for home or investment loans?
There are no extra loan repayments or fees when you take out a loan through a broker. A broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.
Is it more expensive to use a broker?
Using a broker is free for you because the lender pays your broker. With access to hundreds of loan products from various lenders, brokers will find the ideal loan for you and your circumstances. In most instances, this is a combination of the lowest available rate at the time and product features that are most convenient for you.
Some brokers charge service fees, which must be disclosed before they provide their services.
How much can I borrow?
Please get in touch with our team. We can then go through your options with you and chat about your circumstances in further detail.
Should I go for a fixed or variable rate?
Just as the name suggests, variable-rate home loans have interest rates that change over time. They are often more flexible than other types of loans, with features like redraw facility and extra payment options. However, they do not have fixed repayment amounts.
On the other hand, fixed-rate home loans come with predictable monthly repayments – you will know exactly how much you need to pay each month for the entire duration of the loan term. These kinds of loans might not be as flexible in terms of features but offer borrowers peace of mind when budgeting repayments.
In choosing which type of loan is right for you, it’s good to weigh up what’s most important to you – whether that’s flexibility or certainty around your monthly repayments.
Which lenders do you work with?
Because we are connected to a mortgage aggregator, we have the privilege of being able to source loan options from over 50 + different lenders. This means that we can help you find multiple suitable options for you and your specific situation.












