Insider Banking Knowledge
13 years in finance across accounting, audit and banking at NAB, ANZ, and Westpac, plus international experience in London. We know how credit decisions are made from the inside.
We're not your typical mortgage broker. With insider banking experience across Australia's major banks and international markets, we specialise in the complex scenarios others can't handle.
NAB, ANZ, Westpac + London
Self-employed, trusts, foreign income
From first homes to major commercial
Built & sold own business
Most brokers work from the outside, guessing what banks want. We've spent years on the inside at NAB, ANZ, and Westpac — plus international experience in London's banking sector. We know exactly how credit decisions are made, what triggers decline, and how to position your application for approval.
"We've sat in the credit committee meetings. We've written the policies. We know exactly what lenders are looking for — and what makes them say no."
— Melanie McNaughton, Director & Principal Lending Strategist
This insider knowledge means we can anticipate issues before they arise, structure your application strategically, and advocate effectively when your deal needs human judgment rather than automated assessment.
Six reasons why discerning borrowers choose MFA
13 years in finance across accounting, audit and banking at NAB, ANZ, and Westpac, plus international experience in London. We know how credit decisions are made from the inside.
Self-employed, multiple entities, trust structures, foreign income, credit history challenges — we thrive where others decline.
Access to major banks, second-tier lenders, non-banks, and private funders through Connective — Australia's largest aggregator.
We've built and sold our own business. We understand the challenges business owners face — because we've lived them ourselves.
From first homes to major commercial transactions. We have the expertise and lender relationships to handle significant deals.
Based in Torquay, serving the Surf Coast and Greater Geelong. Personal service with national reach across Australia.
See the difference insider expertise makes
Complex scenarios we handle every day
Complex income structures, multiple entities, fluctuating earnings — we know how to present your true financial position to lenders.
Portfolio builds, equity releases, development funding. Strategic lending solutions to grow your property wealth.
Working capital, equipment finance, property acquisition, and cash flow solutions for growing businesses.
Trust lending, company borrowers, SMSF loans, and cross-collateralisation strategies for sophisticated investors.
Large transactions requiring sophisticated structuring and access to private banking relationships.
Medical practitioners, lawyers, and executives. Leverage your earning capacity with specialised professional lending.
Director & Principal Lending Strategist
Melanie brings deep insider knowledge from Australia's major banks, combining credit assessment expertise with genuine understanding of business owners and complex lending scenarios. Her background includes handling deals up to $100M, working across NAB, ANZ, and Westpac, plus international experience in London's banking sector. With accounting and audit experience at Deloitte, she brings analytical rigour to every application. She's also built and sold her own business, giving her first-hand understanding of what business owners face.
Real feedback from real clients
After being declined by two other brokers, Melanie found a solution within a week. Her banking knowledge made all the difference.
The level of preparation was incredible. Our application was approved without a single query — something I've never experienced before.
Finally, a broker who understands complex income. As a contractor with multiple revenue streams, I'd struggled for years. Problem solved.
Book a free strategy session to discuss your lending needs with someone who truly understands the game.
Or call us: 03 9020 2699