Need help choosing financial advisor - not for investing but personal finance audit/counselling (SYD)

My headline says it all…I need a personal finance coach/mentor/advisor to take a look at my meagre finances and show me what to do next.
I am a low to average income earner and have a small mortgage on which I could be doing better rates-wise. I think refinancing the mortgage and an offset savings account is my main priority.

I think I would benefit from just talking to someone in a counselling capacity then taking the necessary action. Can anyone recommend or point me in the direction of any suitable personal finance advisory service in the Sydney metropolitan area?
THANK YOU

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Go via this maybe: Financial counselling - Moneysmart.gov.au

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Welcome to the Community @Homeister.

You could try the following:

Community group financial help

Rural and business help

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