Home loans for every stage of life
First Home Buyers
Buying your first home is a big deal, and there's a lot to get your head around. I'll walk you through the grants, the guarantees and the deposit maths, then find the loan that gets you in the door.
- First Home Owner Grant
- Family Home Guarantee
- Low deposit options
Refinancing
Your existing loan might be costing you more than it should. I'll compare your current deal against the market and find out if there's something better.
- Rate comparison
- Cash-out refinance
- Debt consolidation
Investment Loans
Growing a property portfolio requires the right lending structure. I'll help you maximise borrowing capacity and set your investment up to perform.
- Interest-only options
- Portfolio structuring
- Tax-effective lending
Construction Loans
Building your dream home? Construction loans work differently — I'll guide you through every progress payment and make sure everything runs smoothly.
- Progress draw-downs
- Owner-builder loans
- Land + build packages
Loan Increases & Equity Release
Your home could help fund your next step. Whether it's a renovation, a new car, clearing higher-interest debt or an investment deposit, I'll walk you through the options and what each one really costs, so you can decide with your eyes open.
- Renovations & home improvements
- Vehicle & personal purchases
- Equity release for property or investments
Lenders on panel
Years experience
Avg. first response
17+
Years experience
A Steph above
the rest.
Born in Victoria and raised on the Gold Coast, I made the move to the Norther Rivers after having my son because I wanted to be part of a genuine community. A place where relationships matter and people look out for one another. That same belief is what led me to start my own mortgage broking business after 17 years working as a Senior Financial Adviser and Mortgage Broker with the same company.
Throughout my career, I’ve always genuinely loved helping people. For me, it’s never been about pushing products, it’s about understanding what matters most to my clients, looking out for their best interests, showing them what’s possible and going in to fight for them when it comes to the banks. I negotiate with a toddler daily, which makes banks a walk in the park.
Over the years, I’ve watched good people miss out on their dream homes because the finance process felt too complicated, too intimidating, or simply too slow. With property prices continuing to rise, home ownership can feel overwhelming or even out of reach for many people. But I truly believe that even if someone isn’t ready today, having the right guidance and a clear plan can make owning a home a reality sooner than they think.
Everything you'd want to know
Mortgages can feel complicated. Here are the questions I get asked most often — answered plainly, without the jargon.
General
How much does using a mortgage broker cost?
Nothing — my service is completely free to you. I’m paid a commission by the lender once your loan settles, so there are no out-of-pocket costs or fees deducted from your funds. This doesn’t affect your interest rate, and I’m legally required to act in your best interests at all times.
How many lenders can you access?
I'm accredited with 30+ lenders including the major banks, second-tier lenders, and specialist non-banks. This gives me a far broader view of the market than if you went directly to a single bank.
How long does the home loan process take?
It varies, but from your first appointment to a formal approval is typically 1–7 business days for a straightforward application. From there, settlement is usually 2–6 weeks. I'll give you a realistic timeline based on your specific situation.
Can you help if I have a bad credit history?
Yes, some lenders specialise in non-conforming or adverse credit scenarios. The first step is understanding your full situation — book a free chat and I'll give you an honest assessment of your options including what you can do to improve your credit score.
What's the difference between fixed and variable rates?
A fixed rate secures your repayments for a set term (usually 1–5 years), providing stability and certainty. A variable rate fluctuates with the market, meaning your repayments can decrease or increase over time. You can opt for a split loan to enjoy the benefits of both options. I’ll help you determine which structure best aligns with your goals and circumstances.
Do I need to be local to use your services?
Not at all. I work with clients across the Tweed Coast, Northern NSW, Gold Coast, and all over Australia via phone and video calls, as most loans can be fully managed online. If you’re local and prefer a face-to-face meeting, that’s great too — it’s completely up to you.
What documents will I need?
Typically, lenders will request documents such as recent payslips, the last 2 years of tax returns if you’re self-employed, around 3 months of bank statements, identification, and details of any existing loans or debts. Different lenders may require slightly different documentation depending on your situation. I’ll provide you with a personalised checklist once we’ve had our first chat.
First home buyers
What is LMI and can I avoid it?
Lenders Mortgage Insurance (LMI) is a one-off premium charged by the lender when you borrow more than 80% of the property value. It protects the lender, not you. You can avoid it by having a 20%+ deposit, using a guarantor, qualifying for government schemes such as the First Home Guarantee, or in some cases through specialist policies such as medico or professional packages if you work in an eligible industry.