Based in Warrnambool, Ben Howarth is a qualified mortgage broker with experience in both mortgage broking and bank lending at one of Australia’s major banks.
This background provides practical insight into how lenders assess applications, structure loans, and make credit decisions, helping clients navigate the process with greater clarity and confidence.
Ben works with first home buyers, refinancers, and property investors across South West Victoria and Australia-wide, providing clear advice, tailored lending strategies, and support from initial enquiry through to settlement.
Ben remains your ongoing point of contact long after your loan settles, helping with future reviews, loan increases, refinancing opportunities, and changing financial goals as your circumstances evolve.
Book a Free Chat Learn More About BenBuying or refinancing in Warrnambool comes with its own considerations, from local property values to lender policies for regional areas. A local mortgage broker understands these factors and how they affect your options.
Instead of approaching a single lender, a mortgage broker can compare loan options across a broad panel of banks and lenders to find a solution that suits your situation.
From your first conversation through to settlement (and beyond!), a mortgage broker manages the process, paperwork, and lender communication so nothing is missed along the way.
Understand your borrowing capacity, compare options, and move forward with a home loan that best fits your situation.
Review your current home loan rates, compare lenders, and restructure your mortgage to better suit your goals.
Explore lender products and loan structures designed to support your property investment goals.
Warrnambool offers buyers a relatively broad range of property options across different price points. With the middle 50% of house sales ranging from approximately $561,000 to $735,000.
For buyers looking for a lower entry point, units can provide another option, with the middle 50% of unit sales ranging from approximately $420,000 to $535,000. This can be particularly relevant for first home buyers or those prioritising affordability over property size.
Understanding your borrowing power within the local market can help narrow your search and identify the types of properties that may be realistic for you before you start attending open homes or making offers.
Property data sourced from Cotality, Warrnambool VIC 3280 Suburb Profile Report, prepared 21 August 2026. Price ranges represent the lower and upper quartile sale prices recorded over the previous 12 months.
We take the time to understand your needs, financial position, and what features you want from a loan.
We assess a wide range of lenders and loan products, explaining your options clearly and advising you with your best interests front and centre.
From start to approval and settlement, we manage the process, the paperwork and liaise with the lender on your behalf. Keeping the process simple and ensuring you have someone in your corner.
Loanway Finance is based in Warrnambool and works with clients across the local area and South West Victoria. You can deal directly with a local broker from your first conversation through to settlement and beyond.
Not all lenders have the same appetite for regional properties. Lending policies can vary depending on location, property type and land size, and some lenders may place restrictions on certain regional properties. Experience with regional lending helps us identify suitable lenders and navigate these requirements when financing property in Warrnambool and surrounding areas.
We work with clients across Warrnambool, Dennington, Allansford, Koroit, Port Fairy, Portland, Hamilton, Terang, Camperdown, Colac and surrounding South West Victoria.
No. You can apply for a home loan directly with a bank or lender. But, a mortgage broker can help you understand your borrowing options, compare loans across a range of lenders and manage the application process through to settlement for you. This can be particularly useful if you are unsure which lenders or loan structures may suit your circumstances and would like guidance throughout the process.
Working with a local Warrnambool mortgage broker combines local property knowledge with an understanding of regional lending. Not all lenders have the same appetite for regional properties, and policies can vary depending on the location, property type and land size. Loanway Finance is based in Warrnambool and can compare options across a broad panel of lenders while helping you navigate requirements relevant to buying property in Warrnambool and surrounding areas.
Yes. We can review your existing home loan, interest rate, repayments and loan structure and compare it with available options from other lenders. If refinancing could provide a worthwhile benefit after considering the costs involved, we can explain your options and manage the refinance process for you.
We start by discussing what you are looking to achieve and understanding your financial position. From there, we can assess your borrowing power, explain the lending options available to you and outline the next steps. There is no obligation to proceed after the initial conversation.
Book an appointment and we’ll talk through your situation, answer your questions, and outline your next steps.