MFAA accredited broker, 10+ years experience, 50+ lenders. Based in Barangaroo — working with Australians across NSW to find the right loan, not just any loan.
I founded Lend & Loan with a simple conviction: getting a home loan should be straightforward, transparent, and genuinely stress-free. After more than a decade in finance and mortgage broking, that conviction hasn't wavered — but my ability to deliver on it has only deepened.
My background is broader than most brokers. A Bachelor of Business & Commerce gave me the analytical foundation. A Diploma in Mortgage Broking & Finance gave me the specialist lending knowledge. An Advanced Diploma in Financial Planning means I look at your mortgage as part of your entire financial picture — not just a transaction to be processed and filed.
Over the past decade, I've helped hundreds of Sydneysiders navigate every kind of lending situation — first home buyers in Parramatta finding their footing, investors in Barangaroo expanding their portfolios, self-employed business owners who'd been turned down by the banks, medical professionals accessing LMI waivers they didn't know existed, and couples using a guarantor loan to finally get over the deposit line.
Every client gets my personal attention, a direct phone number, and a response within two hours. That's not a policy — it's how I run my business.
Most Australians go straight to their existing bank when they need a home loan. It's the path of least resistance — but it's rarely the path to the best outcome. Your bank has one set of products and one set of serviceability calculations. A broker has 50+ lenders, and knows exactly which one fits your situation.
I've seen the difference this makes in real numbers. Clients who've come to me after being told "no" by their bank and found approval with a specialist lender within a week. Doctors who saved $30,000+ in LMI because they qualified for a medico package they'd never been told about. Self-employed borrowers who'd been declined for standard loans but approved through an alt-doc pathway with the right documentation.
I'm also required by law — under the Best Interests Duty — to act in your best interest, not the lender's. That's not just a compliance checkbox. It's the reason I exist as a broker rather than a bank employee.
Based at Level 35, 100 Barangaroo Avenue, I work with clients across Sydney and all of NSW via phone, video call, and email. Geography is no barrier.
Every credential is independently verified. This is what EEAT looks like in mortgage broking.
University-level education in business, finance, economics, and accounting — the analytical foundation for complex lending decisions.
Specialist industry qualification covering loan structures, credit assessment, lender policy, compliance, and responsible lending obligations.
Holistic financial strategy qualification. Allows me to look at your mortgage in the context of your full financial position — tax, investments, super, and goals.
Full member of the Mortgage & Finance Association of Australia — the industry's peak professional body. Bound by a strict code of practice and continuing professional development requirements.
Licensed under ACL 511092, regulated by ASIC. This licence authorises Lend & Loan to provide credit assistance services to Australian borrowers.
ACL 511092Every review is a real client, a real outcome. A 5.0 rating across 77 Google reviews is not managed — it's earned, one settlement at a time.
FHOG, First Home Guarantee (5% deposit), stamp duty concessions, and hand-holding through every step.
Interest-only strategies, cross-collateralisation, equity release, and portfolio structuring for growing investors.
Rate reviews, cashback refinances, debt consolidation, and equity unlocking — without the paperwork headache.
LMI waivers up to 95% LVR for doctors, dentists, physios, vets, and allied health. Access the packages the banks don't advertise.
Low-doc loans, alt-doc pathways, BAS-based assessment, and accountant-letter applications. Banks say no; we find who says yes.
Progress draw loans for new builds and major renovations. We manage the staged funding process so you don't have to.
Family guarantee structures that help first home buyers borrow with a small or zero deposit — protecting the guarantor correctly.
Limited Recourse Borrowing Arrangements (LRBAs) for SMSFs buying residential and commercial property.
Home loans for lawyers, accountants, ASX executives, and tech professionals — including bonus income and equity assessments.
We talk through your goals, income, deposit, and timeline. No paperwork yet — just clarity on what's possible.
I search 50+ lenders to find the best fit — not just the best rate, but the right policy, structure, and terms for your situation.
I prepare and lodge your application, manage the lender communication, and keep you updated every step of the way.
We get your loan across the line. And I keep in touch — rate reviews, portfolio growth, refinancing when the time is right.
You'll always know what I'm recommending, why I'm recommending it, and exactly how I get paid. No surprises. No fine print that matters but gets buried.
The Best Interests Duty isn't just a legal requirement I comply with — it's how I've always operated. The right loan for you may not be the most profitable one for me. I recommend it anyway.
Anyone can pull a comparison rate from a website. What I bring is 10+ years of knowing which lender's credit team is reasonable, which policy is flexible, and which application needs to be framed a specific way.
Free consultation. No obligation. Personal response within 2 hours.
MFAA Accredited · ACL 511092 · 77 × 5-Star Google Reviews