Insider Knowledge
13 years in finance across accounting, audit and commercial banking at NAB, ANZ and Westpac means understanding exactly how banks assess applications.
Meet Your Adviser
Melanie McNaughton
Director & Principal Lending Strategist
Strategic finance advice backed by 13 years in finance across accounting, audit and banking at NAB, ANZ & Westpac, plus international experience in London and a genuine commitment to client outcomes.
13
Years in Finance
60+
Lender Panel
3
Major Banks
About Melanie
Melanie McNaughton is the founder and principal of Mortgage & Finance Advisory — a boutique finance advisory built on technical excellence, strategic thinking, and a genuine commitment to putting clients first.
With 13 years in finance across accounting, audit and Australia's major banks including NAB, ANZ, and Westpac, as well as international experience in London, Melanie has built her reputation on delivering strategic lending advice that goes far beyond simple product placement.
Her career has spanned residential mortgages, complex commercial facilities, private business lending, and multi-million-dollar portfolio management. She has also successfully built and sold her own small business, giving her a unique understanding of the challenges business owners face.
Finance should be empowering, not intimidating. My role is to ensure every client understands their options, their structure, and the strategy behind their decisions.
With a strong accounting and audit background including experience at Deloitte, Melanie brings a rare combination of financial acumen and practical lending expertise. She understands both sides of the equation — how credit decisions are made, and how to structure finance in a way that positions clients for long-term success.
The MFA Difference
Why Work With Melanie
A different approach to finance — one that prioritises advice over approvals, and delivers both strategic thinking and responsive service.
Business Owner Perspective
Built and sold her own business — understands the real challenges entrepreneurs face.
Responsive Service
Direct access to your adviser. No call centres, no junior staff, no runaround.
Strategic Approach
Understanding the full picture before structuring a solution that positions you for success.
Specialisations
Areas of Expertise
From first home buyers to multi-million dollar commercial facilities.
Home Lending
First home buyers, upgraders, refinancing, and investment property finance with strategic structuring for long-term wealth creation.
Commercial & Development
Development finance for residential, commercial, and mixed-use projects with tailored funding structures and staged drawdowns.
Self-Employed Lending
Specialist solutions for business owners, contractors, and sole traders with flexible income verification.
Business Finance
Growth-stage business finance including working capital, expansion funding, and structured facilities for scaling enterprises.
Healthcare Finance
Specialist lending for doctors, dentists, pharmacists, and allied health professionals with LMI waivers and practice purchase finance.
Complex Structures
SMSF lending, trust structures, company borrowers, and scenarios other brokers typically decline.
Background
Career Highlights
The experience and expertise behind Mortgage & Finance Advisory.
Banking Experience
- 13 years in finance across accounting, audit and commercial banking at NAB, ANZ and Westpac
- International banking experience in London
- Banking and accounting specialist with deep credit knowledge
- Multi-million dollar portfolio management
Professional Background
- Bachelor of Commerce (Accounting)
- Accounting and audit experience at Deloitte
- Built and sold her own small business
- Deloitte Young Achiever recognition
Client Focus
- Trusted adviser to hundreds of Australian families
- Specialist in complex lending structures
- High-net-worth client experience
- Business owner perspective and understanding
Industry Standing
- MFAA Member
- Cert IV Finance & Mortgage Broking
- Access to 60+ lenders via Connective
- Deals up to $100M facility size
Beyond the Numbers
The Person Behind the Adviser
When she's not advising clients or building her business, Melanie enjoys spending time with her husband Jarryd and their two daughters on the Surf Coast. She's a regular at F45, loves a good run, and is a dedicated coffee enthusiast who believes in the power of continuous learning and personal growth.
Melanie's ability to balance technical precision with genuine empathy makes her a trusted partner for anyone navigating the complexities of finance — whether it's buying a first home, scaling a business, or building generational wealth.
Ready to Discuss Your Finance Goals?
Book a consultation with Melanie to explore how strategic finance advice can help you achieve your property and business objectives.