With nearly 20 years of experience across the finance, property, and lending industries, Finance has been a huge part of my life. I love helping people with their home loans but more than that, I love building connections and understanding my clients on a personal level to help them achieve their goals and also create long term relationships.
My career began in administration and loan support before moving into conveyancing, where I guided clients through the purchase and contract process. I then progressed to the role of Settlement Manager for one of Australia's largest volume home builders, gaining extensive experience in residential construction and the end-to-end property journey.
As a mortgage broker, I have developed a strong expertise in construction finance, including house and land packages, turnkey homes, custom builds, and knock-down rebuild projects. Having worked closely within the building world, lenders, and clients throughout my career, I understand the complexities of construction lending and enjoy helping clients navigate the process with confidence.
After becoming a mother and returning to work and joined the Zella team where I continue to support a diverse range of clients. I assist first home buyers, refinance loans, and property investors, with a particular focus on helping medical professionals secure lending solutions tailored to their unique circumstances. I pride myself on building long-term relationships based on trust, communication, and personalised service.
Whether you're purchasing your first home, growing your investment portfolio, refinancing, or embarking on a construction project, I'm committed to making the lending process as smooth and stress-free as possible. I genuinely want the best for my clients long term and for them to be able to feel confident in making strong financial decisions.
Outside of work, you'll find me enjoying Pilates, getting lost in a good book on my Kindle, spending time with our two dogs. When AFL season rolls around, you'll find me cheering on the Sydney Swans, much to the displeasure of my Carlton dominated household. I love to travel (anywhere warm) and spend time with my family making memories and just enjoying life!
We used Jaclyn the Senior Finance Broker to buy our first home and she was amazing! She is so knowledgeable, made us feel valued and turned our dream into a reality. Can not recommend her enough! Shout out to Sal as well the Settlements Manager who helped make settlement nice and simple.
Chris Fallon
I cannot recommend Zella highly enough! Charlotte and the wider Zella team were with us every step of the way! They truly had our backs in securing the best home loan for our family. Prompt, informative and easy to deal with! Thank you so much for all your hard work!! xx
Olivia Jolliffe
I had a great experience with Zella from start to finish. The team was friendly and made our refinance super easy. Highly recommend!
Casey Sharrock
Huge thanks to Tara and her team! Highly recommend !
Maddie B
Bought my first home through Zella and so so glad I did! Georgia was extremely helpful from the start and patient with answering all of my stupid questions. Thank you again for everything!
Christine Untario
I really appreciated working with the team. They were really efficient, no question went unanswered and they were lovely to work with. I felt in good hands!
Jane Eldershaw
Tell us a little about where you're at, and we'll take it from there.
Let's chat
For most standard lending appointments, no. We're paid by the lender once your loan settles. In rare cases where applications are highly complex, a fee may apply, but we'll always discuss and disclose this with you upfront.
Yes. We use bank-grade security systems and are fully compliant with Australian privacy regulations. Your information is treated with the highest level of care and confidentiality.
Absolutely. We assist clients across Australia and have a thorough understanding of different state and territory regulations, grants and incentives.
We keep communication clear and simple. Your broker will be available via email and phone, and we manage documentation securely through our electronic portal. Your initial meeting can be held over the phone or by video call, depending on your preference. We're always just a message away if you need support.
To get started, we'll need documents such as identification, proof of income (like payslips or tax returns), details of your assets and liabilities, and statements for any existing loans or credit facilities. Your broker will give you a personalised checklist so you always know what's needed.
Your borrowing capacity depends on factors like your income, expenses, existing debts, credit history and the policies of individual lenders. We'll work with you to assess your position and give you a clear understanding of what's achievable.
Yes. Our brokers stay across all available incentives, including first home buyer grants, stamp duty concessions and guarantee schemes. If you're eligible, we'll help you understand how to apply and make the most of these opportunities.
Absolutely. We specialise in guiding first-home buyers through the process with tailored advice, clear communication and plenty of support along the way.
Banks offer their own products. We offer you options. As your broker, we take the time to understand your goals and financial circumstances before searching across a broad panel of lenders to find solutions that genuinely suit you. We also stay across the latest policies, grants and niche lender options that could make a real difference to your outcome.
We conduct a credit check early in the process to help us best assist you. Your score is safe with us. If you have any concerns about your credit history, please speak with your broker — we're here to support you.
Pre-approvals generally last between three and six months, depending on the lender. We'll guide you through the timeline and help you refresh your approval if your property search takes a little longer than expected.
Once your loan is formally approved, we'll guide you through the settlement process. We work closely with your solicitor or conveyancer to ensure all requirements are met and everything runs smoothly right through to settlement day.
Definitely. We understand the nuances of self-employed income and have extensive experience presenting applications for business owners in a way that resonates with lenders.
No. In addition to home loans, we also assist with commercial lending, investment loans, refinancing and asset finance. Whatever your finance goals, we're ready to support you.
Do we look familiar? You might have seen us on She's on the Money, Australia's number one business podcast, empowering over 1.2 million monthly listeners to take control of their finances. We'd love for you to join our community!
Listen Here
