Caring for Community Finances

A strong sense of community and a desire to help people organise their finances and their lives, is what drives the team at Freshwater Financial Services.

COVERED. spoke to Sean Richardson about his community interests and how the business ensures strong links with its client base.

Community minded involvement is at the very essence of what Freshwater Financial Services stands for. The company, set up in 2003, offers much more than just residential and commercial property finance solutions.

Before getting to the mortgage side of finance, the team ensures that clients are mortgage ready and able to service the loan they are seeking.

“We are dealing with mums and dads who are acquiring the most expensive asset they will ever own. 

“They are going to have children and their cash flow will be challenged so we look at how to structure their cash flow so they will get the best outcome. People sometimes don’t fully understand cash flow and budgeting and we help them work through the process.”

Community Links
Clients are often referred through word of mouth and come to the business through the extensive community involvement of owners Sean and Denis Mulcahy.

Freshwater Financial Services supports various organisations and currently sponsors the Harbord Harlequins Rugby Club, North Curl Curl Youth Club Soccer, as well as the schools their children attend including St Augustines College in Brookvale and St John the Baptist, in Freshwater.

“When we set up the business we had young families and so we structured the business around the ability to attend school plays and events. We weren’t so fixated on business growth but our clients are the people we come into contact with and we understand their needs because we have live through them too.

“We understand the challenges clients have in terms of the cost of living here,” explains Sean.

If they generate a profile from a sporting event they attend, Freshwater Financial Services donates $500 back to the sporting organization involved to buy equipment they would normally have to raise funds to buy.

Sean has been based in the area for almost 20 years and Denis for the past 10 years. Between them, they have more than 20 years experience in the mortgage and finance industry. 

The company has been accredited with the Mortgage & Finance Association of Australia since its inception and Sean is president of the Freshwater Chamber of Commerce.

The business offers:

•    Financial counselling
•    Residential and commercial property finance
•    Commercial lending
•    Motor vehicle, plant and equipment leasing
•    Insurance

Freshwater Financial Services