Banks and most brokers only focus on the interest rate. I focus on strategy. That means structuring your lending so you can keep growing without hitting roadblocks. My process has won awards and is backed by over 350 five-star reviews at Emerge Finance.

I work with professionals, doctors, lawyers, accountants, financial planners, mining professionals, self-employed business owners, property investors and developers who are serious about building wealth through effective finance strategies.

Yes. This is my specialty. I know how to structure applications for self-employed income and complex entities so the banks can see the full picture.

Take the quick survey, book the discovery call and we can drill down on what we need.

As a rule of thumb, we will need your ID, income documents, details of existing loans, and a clear outline of your goals. For self-employed clients, this may include tax returns or BAS.

We check your lending every six months. This ensures you are not overpaying on interest and that your structure still supports your goals.

I can do both. Some clients come for one deal. Others engage me as their long-term finance partner across their entire portfolio.

Yes. I often work with buyers agents, accountants, solicitors and other advisers to make sure your finance strategy aligns with your overall plan.

A low rate means nothing if the structure stops you from growing. My role is to set up finance that protects your wealth, keeps cash flow strong and lets you scale your portfolio. That is something most banks cannot deliver. But sure, stay with your bank if you do not want to grow.

You can, but a bank will only ever offer you its products. They will not tell you if another lender is a better fit or if your structure is blocking future growth. I look at the full market and your long-term goals before recommending a strategy.

Brokers only get paid commission if and when the loan settles, net of any offset balances. For example, if your loan is $1,000,000 and you offset it with $1,000,000, the commission reduces to zero.

I am a specialist and a small business and just like a doctor, lawyer, accountant or financial planner, there are times you are paying for advice as well as execution. 50% of the fee is refunded once your loan settles.

For standard residential lending, there is usually no fee. However, there may be some instances where we may charge a service fee to cover any costs.

For more complex strategies such as trusts, SMSFs, rooming houses or commercial lending, a commitment fee may apply.

If there are any fees, we will have an upfront discussion about them.

Most brokers only get paid commission if and when the loan settles, net of any offset balances. For example, if your loan is $1,000,000 and it is fully offset, the commission is reduced to zero. That is why we need to discuss fees openly.

I am a small business and a specialist in my field. Just like a doctor, lawyer, accountant or financial planner, sometimes you are paying for advice. 50% of the fee is refunded once your loan is settled.

That is exactly why clients come to me. I specialise in complex lending including, self-employed income, trusts and SMSFs. My process reduces the risk of decline by presenting your application correctly from the start.

You are not paying more, you are paying smarter. A cheap broker or free service might save you a few dollars upfront, but the wrong structure can cost you hundreds of thousands in lost growth. My role is to create a strategy that saves you money and helps you build wealth over the long term which, should far outweigh any fees.

Yes. The earlier we review your position, the better we can prepare you for when the right opportunity comes up. Many clients miss out on deals because their finance was not ready. Even if you are three to six months away, having a strategy in place means you can act with confidence when the time is right.