Home loans for every stage of life
Whether you're buying your first home, investing, building, refinancing, or accessing equity for renovations, vehicles, personal purchases, or future investments — I have the expertise and access to a wide panel of lenders to find a solution tailored to your goals.
Lenders on panel
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.
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.
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.
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.
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 do to improve your credit score.
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.
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.
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.
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.
Still have questions? Ask me directly →