About Us

Trusted Mortgage Brokerage on the Gold Coast

Strategy-first mortgage solutions

We help high-performing clients fund smart property moves — not just loans. From first-home buyers ready to enter the market with confidence, to investors building long-term portfolios, we deliver finance that fits your life and goals.

Why we exist

If you're looking for clarity, control, and a team that plays to win — welcome to WSf. We're here to raise the standard of what's possible in finance.

Our Commitment

We don’t just offer loans — we engineer results across every deal type, for every client.

First Home Buyers

We simplify the steps, cut through the noise, and make sure you know what’s next — every time.

Investors

Structure your finance with clarity.  Optimise for leverage. Build smart, grow faster.

Construction Projects

We handle every invoice, track every stage, and keep your build moving — no delays, no stress.

SMSF Lending

Unlock your SMSF’s full potential with compliant, wealth-building loan structures.

Business Lending

From equipment to expansion, we fund business growth with elite commercial advice.

Personal Finance

Life doesn’t wait. When it’s time to move, we move fast — with personal finance built for real outcomes.

Our team

White Sand Financial is led by operators, not order-takers.  We don’t just manage loans — we craft winning strategies that deliver outcomes our clients can feel. Meet the strategist behind the results.

Mathew Holtham

Founder & Lead Strategist

“I’m not here to play the averages.  I’m here to dominate the details and deliver outcomes that change lives.” From first-time buyers to seasoned investors, I treat every deal like it’s my own — because I know what’s on the line.

Mathew Holtham

Founder

Joe Woe

CEO

Joe Woe

CEO

Let’s make your next move the smartest one yet.

No sales fluff. Just sharp finance, smarter structure, and a strategy built around you.

We look forward to
connecting with you!

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