Harbord Financial Services Limited is proud to be a locally owned and operated public company located on the Northern Beaches of Sydney, New South Wales. Our company operates the Freshwater Community Bank® Branch franchise of Bendigo & Adelaide Bank Limited.

The branch has been opened since February 2002, when Freshwater was still known as Harbord*. HFS Limited has built a successful, full banking and financial services branch in Freshwater, providing substantial support and resources to our local community through sponsorships, funding and grants, with a significant portion of our profits being distributed back into our community – banking with us really does benefit our community!

On this website you’ll find information about us and what we do, shareholder information for managing your investment in HFS Limited, as well as information about our work in the community and our sponsorships and grants program.

Take some time to have a look around and learn more about how your investment is building a better community in Freshwater! Download our Community Snapshot Brochure

For more information about Bendigo Bank’s products and services available through Freshwater Community Bank® Branch, please visit: www.bendigobank.com.au/freshwater

*Harbord suburb was officially renamed Freshwater in February 2008.

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10 Years in the Community