Director
Seasoned professional and active investor, Justin Picker is the Founder and Director of Picker Financial, an industry-leading mortgage brokerage with a decade of expertise dedicated to helping Australians build wealth through property. With a personal portfolio of over 20 investments, Justin offers a rare blend of professional mortgage brokering knowledge and practical investor insights, making him a trusted guide in property finance. His commitment ensures every client has the optimal structures and lending products to meet their financial goals, reflecting his passion for excellence and genuine desire to help individuals and families achieve prosperity through strategic property ventures.
General Manager
As the General Manager and a leading Mortgage Broker, Steven Clark brings over five years of lending industry experience, combined with the hands-on knowledge of an active property investor who manages an impressive portfolio of 11 properties. This dual expertise positions him as a reliable guide for clients navigating the complexities of property investment. Steven's commitment extends beyond conventional brokering; he is driven by a genuine passion for his clients' success and a dedication to excellence, playing a key role in the financial prosperity of individuals and families across Australia.
Operations Manager
As the Operations Manager, Libby Delohery is an invaluable member whose meticulous attention to detail and commitment to exceptional service ensure a seamless and stress-free experience for every client. Her hallmark is an inherent kindness and empathetic nature, which she uses to foster positive, trusting relationships, recognising the significance of major financial decisions. Libby's dedication extends beyond providing financial solutions, focusing on delivering a supportive and highly personalised journey for all clients.
Mortgage Broker
Min Park, a dedicated Mortgage Broker, stands out for her commitment to excellence and meticulous attention to detail, making her a trusted expert in credit management and the complex lending space. With years of experience, she provides tailored solutions by thoroughly understanding each client's unique financial situation, ensuring strategic advice to optimise their credit standing. Notably, Min is bilingual in Korean, which enhances her ability to connect with a diverse clientele, underscoring her commitment to inclusivity. Her professionalism and genuine passion for empowering clients to achieve financial success make her an invaluable asset.
Mortgage Broker
Jack Kenny is a highly experienced Mortgage Broker with over 10 years of experience in the lending industry, including time with major lenders like Pepper, BOQ, and Aussie Home Loans. Sharing the company's mission to empower Australians through strategic property investment, Jack leverages his extensive background to skillfully navigate complex lending scenarios. This expertise allows him to craft customised, strategic financial plans for a wide range of borrowers. Jack is deeply committed to guiding clients through every step of their journey, ensuring they feel confident in making informed decisions as they build wealth through property.
Mortgage Broker
A rapidly rising Mortgage Broker with two years of experience, Jerome Canlas is a trusted professional dedicated to helping individuals and families build wealth through property. With a keen understanding of the ever-evolving mortgage landscape, Jerome ensures his clients make informed decisions by staying current on market trends and lending options. His client-centric approach is defined by open communication and transparency, demystifying the mortgage process for everyone from first-time homebuyers to experienced investors. Jerome is not just a broker but a dedicated advocate for financial well-being, committed to building lasting relationships based on trust and integrity.
Mortgage Broker
Serving as a knowledgeable and client-focused Mortgage Broker, Dan Buckland combines industry expertise with a personalised approach to help clients secure the right lending solutions for their goals. His clear communication, problem-solving skills, and commitment to great outcomes make him a trusted partner throughout the home loan process. With a deep understanding of the local property market, he specialises in simplifying complex financial jargon to ensure every applicant feels confident in their decisions. He takes pride in building long term relationships that extend far beyond the initial settlement by providing ongoing support as his clients’ lives and priorities evolve.
Senior Parabroker
Bringing a wealth of knowledge, Utkarsh Kaushik is the enthusiastic and highly experienced Credit Analyst, leveraging his deep background as a former Senior Credit Officer at NAB. His analytical prowess in credit evaluation, risk assessment, and lending practices plays a crucial role in ensuring sound financial decisions for the company. Committed to staying abreast of industry trends, Utkarsh provides clients with insightful and strategic advice, making him a valuable asset dedicated to delivering top-notch financial solutions.
Parabroker
Meet Surbhi Shrivastav, an accomplished Credit Analyst, whose wealth of knowledge makes her an invaluable asset to the team. Drawing on a proven track record, including experience as a Credit Officer at NAB, Surbhi brings a seasoned perspective to the company's financial decisions. Her deep understanding of credit evaluation, risk assessment, and lending practices enables her to provide clients with insightful and strategic advice tailored to their unique circumstances. Surbhi's analytical prowess and commitment to staying current with industry trends are vital to maintaining the high standards of financial analysis delivered by Picker Financial.
Parabroker
Bringing over 7 years of experience in providing exceptional broker and client support, Chris Andres is a dedicated Client Service Manager. Before joining the team, he honed valuable skills in organising valuations, managing loan pricing, and driving client retention. In his current role, Chris ensures smooth and efficient operations by handling valuations and loan repricing to secure optimal terms for clients. As a proactive problem solver with in-depth knowledge, he works closely with brokers to streamline processes and deliver timely, tailored solutions, embodying the company's commitment to operational excellence and client satisfaction throughout the lending journey.
Parabroker
Acting as a knowledgeable and driven Parabroker, Shubhanshu Tiwari brings a strong background in lending and a meticulous approach to every file he manages. He is committed to delivering accurate and thoughtful support throughout the application process to ensure a high standard of quality for all submissions. This dedication to helping clients make informed financial decisions makes him an integral part of the team. He prioritises clear communication with all parties to ensure that every stage of the loan journey remains transparent and efficient. By focusing on the finer details of the processing phase, Shubhanshu helps to eliminate potential delays and provides a seamless experience for those seeking finance.
Parabroker
Recognised as a skilled and dedicated Parabroker, Anshika Chitranshi is known for her sharp attention to detail and commitment to delivering outstanding results. She plays a key role in supporting clients through every step of their finance journey by combining extensive industry knowledge with a client first approach. This dedication makes her an integral part of the team and a reliable point of contact for those navigating the lending landscape. She focuses on the meticulous preparation of loan files to ensure every submission meets the highest standards required by credit departments. By coordinating closely with all parties involved, she facilitates a smooth transition from the initial application stage through to a successful settlement. Her expertise in managing the finer points of the process allows for a more efficient experience for everyone she assists.
Credit Analyst
Serving as a dedicated and insightful Credit Analyst, Jayesh Pareek brings a strong foundation in finance and a detail oriented mindset to his role. He ensures each assessment is thorough and tailored to the needs of the individual to provide the best possible outcome. This commitment to supporting clients with clarity and care makes him a valued contributor to the success of the team. He excels at identifying the unique strengths of a credit application to help find a viable path forward for even the most intricate financial scenarios. Through his diligent analysis of market data and lending criteria, he provides the essential technical support required to facilitate informed decision making. His methodical approach ensures that every file is prepared with the level of precision necessary for a smooth approval process.
Loan Support Officer
The diligent Loan Processor, Anjali Sharma, ensures seamless processing and high application approval rates through her meticulous approach and exceptional efficiency. With keen attention to detail, Anjali expertly navigates the intricate loan application process, ensuring all documentation meets stringent requirements to expedite the journey for clients. Her professionalism is marked by a delicate balance between speed and accuracy, ensuring applications are processed promptly and to the highest standards. Anjali's role significantly contributes to the company's reputation for delivering excellent results and its commitment to client satisfaction.
Settlements Officer
Meet Jerelyn Villafane, the enthusiastic and highly experienced Settlements Officer, whose dedication and expertise make her a valuable asset to the team. Jerelyn brings a wealth of knowledge and experience to her role, with a keen eye for detail and a passion for ensuring smooth, stress-free settlements for every client.
Client Support Manager
Glaisa Castilan is a dependable and meticulous Client Support Specialist, whose exceptional organisational skills and commitment to efficiency ensure the team runs smoothly every day. Her proactive approach and essential behind-the-scenes efforts contribute significantly to providing a flawless experience for both clients and colleagues, underscoring her dedication to operational excellence.
Client Support Manager
An integral member of the reliable and detail-oriented Client Support team, Razel Catemprate ensures the smooth day-to-day operations through a strong focus on organisation and efficiency. Her positive attitude, dedication, and essential behind-the-scenes support play a crucial role in delivering a seamless experience for both clients and staff.
Customer Relations Manager
Getting to know Kale Bowman, the Customer Relations Manager, you'll find he's the key driver of the company's commitment to outstanding client care and support. He brings a strong focus on building long-term relationships and ensuring every client's journey is a positive and seamless experience. Kale's exceptional interpersonal skills and dedication to timely, empathetic service are crucial in maintaining the high satisfaction standards clients expect from Picker Financial, further reinforcing the company's reputation for excellence in the Australian finance industry.
Marketing Manager
As the Marketing Manager, Hazel Andres plays a vital role in elevating the company's brand presence and connecting with clients across Australia. She brings a fresh and innovative approach to financial services marketing, expertly managing the company's digital and traditional campaigns to highlight its commitment to client success and wealth creation through property. Hazel's strategic vision ensures that Picker Financial's core values and expertise are clearly communicated, driving engagement and reinforcing the company's position as an industry leader.
Executive Assistant to the Director
Meet Tracey — the Executive Assistant to the Director and a key part of keeping everything running smoothly. With her strong organisational skills and attention to detail, she helps manage schedules, communications, and projects with ease. Beyond her executive support, Tracey also plays an active role in Pickfer’s marketing and social media, helping to strengthen the brand and connect with clients. Her positive energy, proactive mindset, and dedication allow the Director to stay focused on empowering clients to build wealth.
A
Andrew
Justin and Jack from the team are amazing, efficient and answer any questions you might have. Made the process easy and stress free. Definitely recommend.
HM
Harriet Messner
CA
Chris Alderton
I could not recommend the service of PFS any higher, the unrivalled experts in mortgage broking. They work hard to get you a great deal and offer ongoing support Thank you team
The first thing we will do is work out your borrowing potential. You may have a dream home in mind but first you need to know if you can afford it. There are many factors that will influence your decision around what to buy and where – proximity to work and family and your stage of life are just a few – but the single biggest decider is nearly always what you can afford. It’s really a case of looking at the big picture and working your way back from there. Consider your household income and what you realistically can afford in loan repayments, taking into account all of your expenses (even coffees and lunches). As a guide a mortgage calculator can be a great place to start, but it won’t take into account all of your personal circumstances or eligibility for a loan. Talking to us will give you a much more accurate idea of what you can afford. We can look to obtain pre approval from a lender so you can put an offer on a home when you find the one you like. Of course, even with a pre approval a subject to finance clause is an important protection.
Of course you can go to a bank, but this can be trickier than it sounds. Firstly, which one do you choose? Which of their products is right for you? And what about other lenders, building societies and credit unions? Australia is indeed the lucky country. We are blessed for choice when it comes to the amount of competition that exists when it comes to the mortgage market. With so many lenders, and so many products under each of their brands, it’s important you make the most of this regarding who and what you choose when it comes to your home loan. There are a lot of options out there and, with regularly moving interest rates and new products, it’s an ever-changing market. And let’s not forget that if you’re a first homebuyer, you’re probably very new to this. That’s why a broker makes sense. We do this everyday. We know the lenders, their products and policies and we keep up-to-date with changes. We help choose what’s right for you. Banks enjoy working with brokers, as we do a lot of the banks’ work for them and making their jobs much easier and may help speed up the application process and get you the top-notch customer service you deserve. In the simplest terms, having a broker in your corner makes finding the right loan easier and can save you time and, hopefully, money.
Things change, and chances are since you got your home loan interest rates may have moved, and life has too. Has the official cash rate changed since your current loan settled? Has the rate your lender is charging you changed? What about the fees and charges? Chances are the market has changed too. New products designed to attract borrowers are always being introduced, and lending appetites are an ever moving feast. Let’s not forget that things have probably changed in your life too since you took out the mortgage. Your income may have changed, and your expenses probably have too - your financial goals could also be different. Even though most loans are around 30 years in length, you may be surprised to hear that Australians often change their home loan every 4-5 years as they refinance. Refinancing is a chance to look at what’s out there and to check to see whether your current loan is still the right one for you. If it’s not, it may be time to refinance. If you are looking to switch, this guide contains some of the key things you may want to consider.
Over the last few decades, the values of some properties have often risen more than the rate of inflation. Some say property ownership is a national obsession, with affordability issues, house prices, and interest rate movements constantly in the news. Apart from a common general understanding of the market, there are other reasons people like to invest in property. Some common ones being the potential for capital growth (how much the property rises in value over time), return from rent, and tax benefits. You’ll find more about these over the next few pages. Another plus is you don’t need to be a long time investor with lots of funds on hand to start investing. If you already own a home that’s increased in value, you can potentially unlock this equity to help purchase another property. Or, if you’ve yet to buy your own home you can use the rent to help pay the mortgage on an investment property and get a start in the market.
Picker Financial Solutions ABN: 91 642 652 560, Picker FIinancial Solutions PTY LTD ABN: 91 642 652 560. Credit Representative #389087 is authorised under Australian Credit License #525521.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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