Meet Kate Brennan, Principal Broker.
Twelve years in Sydney lending. One promise: you always know where your loan stands.
Kate Brennan
Principal Broker · Owner
- 12 years in Australian lending
- MFAA member
- Diploma of Finance & Mortgage Broking
- Credit Representative (sample)
Why clients keep referring Kate
Kate opened Harbourline Home Loans in 2014 after eight years inside two large banks. She saw too many Sydney families turned away by processes, not by real risk. Her brokerage works the other way round. Every application is read, prepared and argued case by case before it goes to a lender.
Today she and her small team have settled more than $480 million in home loans for first buyers, refinancers and investors across Greater Sydney. Kate answers her own mobile during a transaction. If a lender asks for one more document, she calls instead of emailing. That habit is why 212 Google reviews average 4.9 stars and why most new clients arrive by referral.
Outside the office she coaches her daughter's under-12 rugby team and judges the Parramatta local business awards.
How we work
Fast
Pre-approval in 24–48 hours. We answer every message the same business day.
Transparent
Every rate, fee and commission shown in writing before you sign.
On your side
We negotiate with lenders, not against you. No upfront fees, ever.
Twelve years, one standard
- 2014 — Harbourline foundedKate leaves corporate lending and opens the Pitt Street brokerage with three clients in month one.
- 2019 — 1,000th client settledThe team passes one thousand completed loans, with 98% settlement on time.
- 2024 — $480M settledCumulative lending passes $480 million. Google rating holds at 4.9 from 212 reviews.
Put twelve years to work for you.
Fifteen minutes with Kate tells you exactly what you can borrow and how fast you can move.
Book a free 15-min call