Wade Picken - Mortgage Broker - Shoreline Lending

04/02/2026

My mate Justin and I have started our own business.
Give us a follow!

We’re pleased to introduce Wade Picken, Joint Director and Finance Broker at Shoreline Lending.

Wade works closely with first home buyers, first time investors using equity, existing clients, and small business owners who value clear advice and practical lending strategies. With a strong focus on government schemes and long-term planning, Wade helps clients understand their options and move forward with confidence.

Clients who work with Wade appreciate calm, structured guidance and support that extends well beyond settlement as their goals evolve.

If you’re looking for straightforward advice and a broker who stays involved for the long term, Wade is here to help.

📍 Based on the Central Coast
📞 Book a chat anytime (link in bio)

17/07/2023

The government's Home Guarantee Scheme is now open to more people than ever.

Here's a rundown of the recent changes (in effect from July 1 2023):
For the first time ever, you don't need to be an Australian citizen – permanent residents are now also eligible to apply.

First Home Guarantee and Regional First Home Guarantee:
To recap, this is where the government acts as guarantor on up to 15% of a loan so you can potentially buy a home with as little as a 5% deposit without paying lenders mortgage insurance.

What's changed?
Family and friends will now be able to apply together
Open to people who haven't owned property in 10+ years

Family Home Guarantee:
The government acts as guarantor on up to 18% of a loan so you can potentially buy a home with as little as a 2% deposit without paying lenders mortgage insurance.

What's changed?
Legal guardians (like aunts, uncles and grandparents) can now also apply

Places are limited. Get in touch to find out how to make the most of these initiatives!

Wade @ CoastFin

10/07/2023

When things get hectic or your financial situation gets tricky, having a reliable mortgage broker on your side is a game-changer!

Love getting feedback like this from my clients!

06/07/2023

When a lender assesses your home loan application, one of the elements they consider is 'character'.

What this translates to is the lender paying attention to how you manage your money and whether you have stability in your life.

They're looking at whether you overdraw your accounts, take cash advances from your credit cards, or get charged late payments. They'll even pay attention to how often you move house or change jobs.

There are a lot of data points that feed into whether you'll be approved for a home loan, and a lot of these are in your direct control.

So, if you are looking to apply for a home loan in the near future, make sure you're using your bank accounts in a way that screams 'I'm in control of my money!'

Wade @ CoastFin

27/06/2023

If you're new to the home buying process, it can be overwhelming to understand all the terms and jargon associated with home loans.

That's why we're all about breaking it down into easy to understand terms so you go into it with eyes wide open.

We're a jargon free zone and always explain the ins and outs of the process and products.

Understanding all things home loans will not only help you make informed decisions when you buy your first home, but will also give you confidence to keep climbing the property ladder.

Wade @ CoastFin

19/06/2023

Buying a home will be one of the biggest purchases you'll ever make. And choosing the right loan option will be up there as one of the biggest financial decisions.

Most Australians (70% in fact) use a broker to choose and apply for their home loan.

If you're planning to get into a home of your own this year, get in touch to explore your options.

Wade @ CoastFin

13/06/2023

A lot of people are feeling nervous about recent RBA interest rate hikes.

If you're starting to feel the pressure, get in touch with us and we can look at:
- How to get a better deal from your lender
- Whether it's worth refinancing
- Ways to consolidate and simplify your debt

Book in a no strings chat to find out more.

Wade @ CoastFin

06/06/2023

If you're a sole trader looking to secure a home loan, then one of the best things to do before you apply is to make sure you're keeping your business finances separate from your personal finances.

This allows the banks to get a clear view of what's what, and also shows them you're running a professional operation.

After all, nothing screams 'I'm just winging it' more than personal credit cards maxed out on business expenses.

We also suggest getting in touch with us at least 6 months before you intend to apply for your loan, so we can give you some insight into how the banks may look at your situation.

Get in touch to learn more.

Wade @ CoastFin

30/05/2023

We'll all take on debt at some point in our lives, and the right structure can make a huge difference.

Seeking finance to buy property is one of the biggest financial decisions you'll ever make.

Instead of going it alone, get in touch for expert guidance on how to set things up in a way that supports your longer-term property strategy.

Wade @ CoastFin!

24/05/2023

Whether you are a first home buyer, seasoned property investor, or simply looking to get the best deal on your home loan, I’m here to help. I have over 15 years of experience in banking and finance, and I’m passionate about helping my clients achieve their financial goals.
I work with a variety of banks and lenders to ensure I find the best deal for you, no matter your financial situation.
If you’re ready to start your home buying journey or would like to give your existing home loan a health check, I encourage you to reach out to me.