Areas we serve

Right across the Northern Rivers.

Our office is in Ballina, but we work with home buyers and owners throughout the region. Wherever you are, you get the same thing: genuine help, in plain English, at no cost and no pressure.

One team, the whole region

Local to Ballina, here for the whole Northern Rivers.

We are based in Ballina, and we help people right across the Northern Rivers, from the coast to the hinterland. Some clients we meet in the office, some over the phone, some by video, whatever suits you. What does not change from one town to the next is how we work: we take the time, we explain your options honestly, and we never push. A home loan is the biggest financial decision most people make, and everyone deserves that kind of help, wherever they happen to live.

Where we help

The towns and communities we work with.

Hover a town on the map to see how we help there. The full list is below, and if your town is not shown, it is very likely we cover it too, so just ask.

Map of the Northern Rivers showing the towns Chardon Home Loans serves: Tweed Heads, Murwillumbah, Brunswick Heads, Mullumbimby, Byron Bay, Lennox Head, Lismore, Casino, Ballina and Grafton.
How we help here

Hover a town to see how we help there, and click to open its page

Ballina

Home base. Our office is on Tamar Street, and Ballina is where we help the widest mix of people: first-home buyers along the river, families upsizing, and owners refinancing a loan that no longer fits.

Lennox Head

A tightly held coastal pocket where buying well matters. We help first-home buyers and upgraders navigate a competitive market with clear, honest guidance rather than hype.

Byron Bay

Iconic and in demand, from the town to the hinterland, and a competitive, high-value market. We help you understand what is realistic and structure finance that genuinely fits, without the hype.

Brunswick Heads

A laid-back coastal town at the mouth of the Brunswick River, loved by families and holiday-home owners. We help buyers, upgraders and refinancers here with clear, no-pressure guidance.

Mullumbimby

The biggest little town in Australia, in the Byron hinterland. A characterful market where we help buyers and owners get honest advice and the right loan for their situation.

Tweed Heads

On the border and close to the Gold Coast. We help buyers, downsizers and refinancers here, and we are glad to work by phone or video if that is easier for you.

Murwillumbah

Up in the Tweed Valley beneath Wollumbin, an area full of character. We help buyers and owners across the valley understand their options and get the right loan sorted.

Lismore

The regional heart of the Northern Rivers, and a community with real backbone. We help buyers, owners and refinancers here with patience and a straight answer, whatever stage you are at.

Casino

The Beef Capital, and a proper country town at the heart of the Richmond Valley. We help local buyers and owners here with the same straight, no-cost guidance, first home or refinance.

Grafton

The jacaranda city on the Clarence, a regional centre with real character. We help buyers, owners and refinancers across Grafton and the Clarence Valley with genuine, no-cost help.

Why it works

The town changes. The way we help does not.

Being local to Ballina means we understand the region, but the real reason people stay with us has nothing to do with a postcode. It is that we take the time to get it right, we tell you the truth even when it is not what you hoped to hear, and there is never any cost or pressure. That is the same whether you are buying in Lennox, refinancing in Lismore or downsizing on the Tweed.

There's a seat for you

Have a chat, no obligation.

Book a time that suits you, give us a call, or send an email. Whether you're ready to go or just weighing things up, we're happy to help you understand your options.

OfficeLevel 1, Suite 8, 48 Tamar Street, Ballina NSW 2478
HoursBy appointment, 7 days, flexible around you