Mathew Holtham's Background
Mathew Holtham'

Mathew Holtham

Mortgage Broker

White Sand Financial

4.7 ( 13 Reviews)

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About Mathew Holtham

**Mat Holtham is back in Victoria and ready to help you take the next step in your property journey.**

As the owner, director, and principal loan writer at White Sand Financial, Mat brings years of mortgage industry experience and a results-driven approach to clients across Victoria and Australia.

From first-time buyers to seasoned investors, Mat has built a reputation for making the complex feel simple — cutting through the noise, connecting with the right lenders, and tailoring solutions that actually work for you.

**His core specialties include:**
- Competitive loan strategies for residential property investors
- Refinancing for better rates, terms, and long-term savings
- Finance solutions for renovations and extensions
- Debt consolidation strategies to streamline your finances

Now based in Victoria, Mat is available for **face-to-face appointments locally** and continues to support clients nationwide via video conference. Wherever you are, you’ll receive the same expert guidance, clear communication, and relentless focus on outcomes.

At White Sand Financial, Mat partners with a wide range of banks and lenders across Australia, giving you access to loan options that align perfectly with your unique circumstances.

If you’re planning to **buy, invest, refinance, renovate, or consolidate**, now’s the time to tap into the experience and personal service Mat is known for.

**Reach out today** to lock in a time and take control of your next property move — with clarity, confidence, and the right strategy from day one.

Reviews for Mathew Holtham

4.7

13 Reviews

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Rachel

Please call GV health Rachel

Nathan

Mathew was great to work with he was always professional and any question I had he was always happy to help. Wouldn't of been able to do it with out he's help. Thanks again

Dashan Pathiratne

I had a fantastic experience working with Mathew. He provided excellent advice and was extremely knowledgeable about the entire mortgage process. What really stood out was the wide range of products and options he offered – there was something to suit every need. He truly go above and beyond to make sure his clients get the best possible deal. I highly recommend Mathew to anyone looking for a reliable and dedicated mortgage broker.

Jason Thompson

If you want a broker that tells it the way it is, will drill down on your personal financial scenario in ensuring that what he is able to offer best suits your short and long term goals, Mathew is your man. Mat takes a holistic approach to his brokerage planning and asks many questions so as to be able to genuinely understand your own personal situation, and with the plethora of products and contacts he has within the industry, you can be assured that he will find a product that serves you best. Mat keeps you abreast of the process as it unfolds, will answer any questions surrounding any aspect of the process in layman's terms so as to ensure you understand completely when you sign on the bottom line, and will work for you to get the best financial deal he can for you. Mat is high energy and up to date with insights into local, national and global financial scenarios and as such has a keen understanding on the markets which assists with making smart financial decisions. I CANNOT recommend Mat highly enough.

Amy

Mathew has been our broker for several years now, helping us buy our first house through to refinancing and just recently assisting us in getting a home loan for our next house. He is always available when needed and strives to provide practical advice and explanations. We will certainly continue to seek Mathew's help in the future for budgeting and refinancing assistance.

Sophie Nawnyo

Mathew has been my initial home broker since 2020, assisting me in obtaining approval for my home loan. Despite facing numerous challenges due to my income and the difficulty of securing this loan independently, Mathew succeeded in getting me approved. As interest rates increased, I considered refinancing with a larger bank, even though I had doubts about my chances of approval. Nonetheless, Mathew recognized my preference for a major bank over a smaller institution, and he worked hard to facilitate my refinancing. Once more, he never failed me, and I successfully secured my home loan refinance. Over the years, he has regularly reached out to see how I’m managing with the climbing interest rates. I also sought his advice regarding refinancing during challenging times, and he has always offered me encouraging guidance, helping me stay on the right path. He promptly answers my calls whenever I need to discuss matters related to home loans. I feel grateful to have a broker who is both humble and supportive, genuinely understanding my circumstances and helping me maintain a positive outlook on my financial difficulties. He listens carefully, inquiring about my needs and how he can best assist me. I would definitely choose him again if I ever require refinancing in the future.

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Areas Serviced

Armstrong

Specialties

First Home Buyers

Investment Properties

Purchasing of Residential Real Estate

Construction Loans

Experience

Lender Count: 75