• Loans

    Strategic Lending Advice

Have You Ever Wondered…?

  • Have you ever wondered why some property investors seem to get finance approved for every deal they come across? We can show you how to obtain property investment funding easily and effortlessly time and again using our multiple property strategies.
  • Are you buying your first home or first investment property and not sure where to start?
  • Are your current loan facilities working well for you? We will assess your current loan status and give you feasible and affordable suggestions to optimise your current cashflow, increase tax deductibility and more………

We have sound knowledge of the finance industry and our Strategists are avid property investors themselves. So we understand your need for an informed, friendly financier you can talk to who is on the “same wavelength” as you.

We have worked closely with thousands of clients throughout Australia, providing property investors with finance solutions to achieve their current and long-term goals.

We will determine your potential as an investor, discuss your goals, your current financial situation, and many other factors before identifying and organising the best loan for each of your properties.

Reviewing your current loans and structures in line with your goals initially and then ongoing is key to success. We can assist with the recommendation of property strategies to help you achieve your goals. Assessing your borrowing capacity and how to maximise it along with highlighting areas of risk and suggesting ways to mitigate those risks. Taking a strategic approach, having our ongoing support, understanding your position and being “Market Ready” will get you to where you want to be faster.

Investment Lending

In an ever changing investment lending environment let us help you find the most suitable lending solution. Be that buying your first, second or subsequent investment property, constructing a duplex or block of unit we can assist. Identifying your needs matching your plans to the correct lender at the right time is key. Not all banks are equal in the investment lending space. We work with a panel of lenders and will recommend the most suitable lender for your individuals deals.

Development/Commercial Finance

An area many personal investors do not explore is development or commercial property. We specialise in this area and can assist by matching the lender to the property and your future plans.

Complex Loan Structuring Advice

To grow your portfolio and continue to maximise your property investment options you need to ensure that each property and in turn the finance for it are enablers to allowing you to continue.

Structuring, financing, using the right lender, borrowing the right amount and timing can be the makes or breaks. Let us help you set your plan and achieve your goals.

SMSF Lending

Only some banks allow lending to SMSFs and often these come with a high level of complexity. We work with SMSFs everyday so are fully aware of changing requirements and the complex requirements for SMSF lending.

Personal Loans

We have many lenders available that specialise with Personal Loans. Personal loans can be secured or unsecured and vary greatly in pricing, amounts and turnaround times. Many also vary with what they will in fact lend for – let us help you match your needs to the solutions available.

Meet Our Team.

  • All
  • NSW
  • QLD
  • SA
  • VIC
  • Gaetano Palmese
    Gaetano Palmese
    Finance Strategist - VIC
  • Angela Ristevski
    Angela Ristevski
    Finance Strategist - VIC
  • Gary Carroll
    Gary Carroll
    Finance Strategist - QLD
  • Colin Atkins
    Colin Atkins
    Finance Strategist - QLD
  • Corey Goldby
    Corey Goldby
    Finance Strategist - NSW
  • Laki Kolettis
    Laki Kolettis
    Finance Strategist - VIC
  • Simon West 
    Simon West 
    Finance Strategist - QLD
  • Aimee Leversha
    Aimee Leversha
    Finance Strategist - VIC
  • Dimitri Taylor   
    Dimitri Taylor   
    Finance Strategist - QLD
  • Jurgen Kehne 
    Jurgen Kehne 
    Finance Strategist - VIC
  • Tony Height<br><small>Director – WiZDOM Loans</small></br>
    Tony Height
    Director – WiZDOM Loans
    Finance Strategist - Vic
  • Clint Ducat<br><small>Director – WiZDOM Loans</small></br>
    Clint Ducat
    Director – WiZDOM Loans
    Finance Strategist - NSW
  • David Sherrington
    David Sherrington
    Finance Strategist - NSW
  • Linda Kendall
    Linda Kendall
    Finance Strategist - NSW
  • Lloyd Devlin
    Lloyd Devlin
    Finance Strategist - VIC
  • Michelle Holmes   
    Michelle Holmes   
    Finance Strategist - NSW
  • Ruth O’Brien     
    Ruth O’Brien     
    Finance Strategist - NSW
  • Simone Hanlon  
    Simone Hanlon  
    Finance Strategist - SA
  • Andrew Kubenk<br><small>Director – WiZDOM Loans</small></br>
    Andrew Kubenk
    Director – WiZDOM Loans
    Finance Strategist - SA

Privacy Policy

To provide you with broking & related services we will need to collect personal information about you.  Our privacy policy tells you how we collect your information, what we use the information for and who we share the information with. A copy of our Privacy Policy is available here

WiZDOM Loans Pty Ltd ACN 141510321 (“WiZDOM Loans”) Australian Credit Licence Number: 501060

Get in touch.

© Copyright 2019 WiZDOM. Site by SHAKE
Gaetano Palmese
Finance Strategist - VIC

Authorised Credit Representative (No:398982) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Finance & Mortgage Broking
Advanced Diploma of Business (Accounting)

Gaetano has 40 years experience in the finance industry, majority of that time with major banks, providing lending services for both residential and commercial clients.

The last 10 years he has been a Finance Broker assisting and educating clients on what it takes to buy property.  He is considered an expert in the construction finance sector, by his peers, having helped hundreds of clients achieving ownership of their homes from the ground up.

He has a wealth of knowledge and experience in the finance industry and strives always to achieve the best possible result for his clients. Gaetano is passionate about the property industry, holding a number of investment properties, and prides himself on providing superior service and advice to his clients.

His attention to detail and professionalism is invaluable to business and clients. Gaetano is committed to support his clients on their property investing journey, creating strategies and providing finance solutions to achieve their goals.

Married and now with two adult daughters he has commenced guiding and setting them up to invest in property and build their investment portfolio.

He regularly plays tennis, only socially these days, and loves to travel with his wife.

Tel: 0427 822944 

Angela Ristevski
Finance Strategist - VIC

Authorised Credit Representative (No:499620) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Bachelor of Business (Economics & Marketing)
Diploma of Financial Planning
Graduate Diploma Property
Diploma in Finance & Mortgage Broking

After graduating from University Angela started her career in banking and has worked for all the major banks at some point.  With over ten years in banking she gained experience in Finance, Financial Planning and Business Development. This gave Angela a well rounded base for her future in finance, both personally and professionally.

For the next ten years whilst raising 3 children, Angela was actively involved in a building and property development company owned by her husband.  With her finance background, their joint passion and drive for property they were involved in numerous development projects and continue to do so.

In 2017 finance become more difficult  with the increased regulation and scrutiny on lending practices, which particularly affected their client base of developers.  Angela decided becoming a mortgage broker would be an ideal way to assist these clients to achieve their development goals, as she knows the right funding is vital when purchasing or developing property. Angela has worked as a self employed mortgage broker with her client base predominately consisting of  investors and developers.

Angela believes in property as a wealth creation tool, and also believes that education and knowledge are power. Learning from those who have forged the way before you and using professional assistance to keep you on track to achieve your end goals are a strong formula for success.

When Angela is not working her favourite things to do are;  travel with her family, run and read.

Tel: 0437 644 000

Gary Carroll
Finance Strategist - QLD

Authorised Credit Representative (No: 365730) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Cert IV in Finance and Mortgage Broking
Bachelor of Science (Phys/Maths)
Bachelor of Laws (Accounting)
Diploma of Financial Planning

Gary has over a decade of experience as a Mortgage broker with a predominant focus on property investment. As a fully qualified Financial Planner, Gary has serviced clients all over the country covering the full spectrum from Risk Insurance, SMSF funds to mortgage reduction.

Through his own investment opportunities, Gary was able to put himself in a position to take some time off from the industry to spend time with his young family. During that period, he was also able to add business coaching to his list of credentials.

Gary is committed to helping people find financial freedom and that is one of the key reasons he is proud to represent Wizdom and use his extensive experience to help his clients put a plan of action in place to realize this freedom for themselves.

Outside of finance, Gary is an avid trail runner and has run multiple 100 milers including some of the toughest endurance events on the planet.

Tel: 0401 020 123

Colin Atkins
Finance Strategist - QLD

Authorised Credit Representative (No: 424309) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Finance and Mortgage Broking Management

Originally from NSW, Colin is now based on the Sunshine Coast and is an accomplished Mortgage Broker with a Diploma in Finance Mortgage Broking Management. Colin is experienced in structuring financial solutions from simple to complex deals. As well as being part of the I love Real Estate community and working on developments himself, he was previously a qualified builder, designing home extensions plus a Real Estate agent in the late 90’s.

Whilst working in the building industry Col noticed there was a real need for a specialised finance broker who understood different investment strategies and how to structure loans for savvy investors, renovators & builders so he decided to study & become a broker himself. Colin then entered the finance industry in the mid 2000’s and has a real passion for helping others fulfil their goals.

Outside of WiZDOM, Colin and his wife Nicole have 3 amazing kids. Both Nicole & Colin had worked in the entertainment industry for many decades performing both nationally & internationally with numerous artists however these days Col now finds playing keyboards as a great go to escape. His “Rock / Mancave”.

As the WiZDOM team are forward thinking professionals Colin is really excited being part of the team.

Tel: 0411 806 863

Corey Goldby
Finance Strategist - NSW

Authorised Credit Representative (No: 502276) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Corey initially started in the Finance Industry in early 2012 at one the “Big 4” Banks, and has run his own business in the finance industry until he decided to join WiZDOM.

In Corey’s banking experience he went all the way from a standard Home Lender all the way to a Commercial Relationship Management role where he had great success in assisting clients build a portfolio with a specialist approach to commercial property and residential investment under multiple complex structures. In this time Corey had a strong focus on leadership and coaching and became well known for a person to approach for unsure directives.

Corey is all about the long term relationship and prides himself on being honest, direct and open. With this is mind Corey is passionate about being in the trenches with his clients and wants to help them meet the goals. Corey’s focus is to help clients ensure they are growing an investment portfolio, replacing income, growing wealth and equity with a skill in assisting complex and multiple structures.

Away from Finance, Corey is a father to a very energetic 3 year old, husband to his incredible wife and a keen musician which has seen Corey play the big stages nationally and internationally to this very day.

Tel: 0478 526 140

Laki Kolettis
Finance Strategist - VIC

Authorised Credit Representative (No:494660) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Cert IV in Finance & Mortgage Broking
Full real estate licence in Victoria (Licence number 078561L)

In his early teenage years, Laki worked in the family business, a butcher shop in Yarraville, Melbourne. It was here where Laki learnt how to engage people of all ages and cultural backgrounds. Everyone liked to have a laugh with their local butcher! Laki enjoyed business from a young age and ran a café in South Melbourne.

Laki is well travelled, culturally sensitive and has a corporate background in IT. “I started out as a Computer Operator in the late nineties. I moved to London in 2006 and worked for the New York Stock Exchange (NYSE Euronext). It was here where my eyes opened to the world of investing. Stocks and shares weren’t my things at the time but I was interested in property investing, especially after reading ‘Rich Dad, Poor Dad’.

Laki purchased six property investments in England over a 4 year period. He also helped a number of his colleagues do the same using the same simple strategy he used.
In 2016, Laki added Finance Broking to his skills. Laki has a passion for property and loves helping people fulfil their dreams when it comes to buying property as an owner occupier or as an investor”

Outside of business, Laki enjoys spending his time with his wife Yvette and their little chihuahua Anchovie who always tags along to most of their outings.

Tel: 0420 477 556 

Simon West 
Finance Strategist - QLD

Authorised Credit Representative (No: 474584) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Finance and Mortgage Broking Management

Simon is a customer focused professional with many year’s experience as a Finance Specialist and as a small business owner. With this experience, he has come to understand exactly what his client’s want and expect from him. At the top of this list is exceptional customer service, insightful product knowledge and excellent communication.

Simon entered the finance world in 2006 helping property investors focus on best practice loan structures, asset protection and implement property investment strategies to achieve their goals. He then took the opportunity to partner a major scale wholesale/retail clothing business where many business and investment lessons were learnt. However, Simon soon realised that finance and property were where his real passion lied. Simon returned to the industry over three years ago and recently joined forces once again with Clint Ducat and Tony Height to help clients reach exceptional results for their financial future.

Outside of WiZDOM life, Simon enjoys spending time with his young family as well as playing and following his other passion in life – AFL. He is a life long Carlton supporter and loves nothing more than rocking out some tunes on his electric guitar.

Tel: 0410 777 041

Aimee Leversha
Finance Strategist - VIC

Authorised Credit Representative (No:507368) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Finance and Mortgage Broking Management

Aimee has been with the WiZDOM Team since 2013, working in the Victorian office and being personally mentored by WiZDOM Director Tony Height.

Aimee has been actively supporting WiZDOM clients with their property goals and financing requirements for the last five years. She has excellent product, process and procedural knowledge, and is known for providing exceptional Customer Service.

Prior to Mortgage Broking, Aimee worked with one of the “Big 4” banks for 15 years, during which time she experienced every aspect of working in the Retail Banking branch network; beginning in a Customer Service role, progressing quickly to a Sales and Service Specialist, Manager of Personal Lending and Branch Management.

Aimee is passionate about helping and supporting her clients with their finance strategies and property goals. Having a huge range of lender options available as a broker, instead of being restricted to working with one bank, means many more ways to help people achieve their financial goals.

In her personal life, Aimee loves spending quality time with her husband and two teenage daughters, especially at their holiday house in Ocean Grove. Aimee is currently enjoying decorating and landscaping her newly constructed family home, set on a gorgeous 10-acre rural property in Central Victoria.

Tel: 0417 331 846

Dimitri Taylor   
Finance Strategist - QLD

Authorised Credit Representative (No: 492089) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Bachelor of Commerce (Accounting & Economics) University of Melbourne
Certified Institute of Management Accountants (CIMA)
Licensed Real Estate Agent QLD (License No. 4024782)
Certified Mortgage Broker

Originally from Melbourne and raised in a family where his father and mother were self-employed from before he was born, Dimitri understands the hard work and motivation that owning a business entails. Working from the age of 13 years old on holidays and weekends with his father’s business taught Dimitri about the complexity of managing the dynamic process of running a business.

Having started professional life as an Accountant, working for one of the Big 4, Dimitri quickly realised he wanted to be a ‘creator’ in business rather than a ‘recorder’ of business. Moving to London and finding his feet in the world of Investment Banking in his mid 20’s, it was during this time that Dimitri began his own property journey of discovery – buying his first Investment Property in 1998 – a property still held to this day.

In the early 2000’s Dimitri followed a flipping strategy on apartments in the United Kingdom for 2 years whilst still climbing the corporate ladder in his ‘day job.’ However, it through this experience he realised that he loved Property and wanted this to become a full-time part of this life. In 2006, when finally returning to Brisbane (from London), Dimitri left the corporate world of Banking behind be began his career in Property, taking a job as Project Manager for a boutique commercial property developer. Specialising in building small to medium sized retail centres in regional towns, Dimitri gained experience overseeing the entire life cycle of a commercial property development.

More recently, Dimitri has added Finance Broking to his skills, as his preference is to work closely with people in supporting their progress with property, whilst still actively investing and developing for himself.

Outside of Property, Dimitri is a proud husband to Amanda and father of 2 boys and spends as much time with his family as possible. For many years, he was an avid Triathlete until a knee injury halted his running ability. He still plays Cricket each week and enjoys keeping fit and spending weekends at the beach. Oh, he’s also an Essendon supporter through thick and thin…

 

Tel: 0401 924 186

Jurgen Kehne 
Finance Strategist - VIC

Authorised Credit Representative (No: 423799) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Cert IV in Mortgage Broking Management
Diploma in Mortgage Broking Management
Cert IV in Real Estate

Jurgen has over 15 years finance industry experience. Initially starting his career in wholesale finance, Jurgen then move into the telecommunications industry where he held senior account and sales management roles for a period of over 20 years. During this time he developed a passion for real estate and investing and started to build his own property portfolio. He also developed a strong understanding of the importance of  having a clear investment strategy in place, along with  the correct loan structures to support this strategy.

This then lead him to establishing his own mortgage broking business in 2014 where he helped like minded people put into action a plan to reach their retirement goals.

Outside of work, Jurgen loves spending time travelling with his wife Di and relaxing over a glass of red.

Tel: 0419 991 233

Tony Height
Director – WiZDOM Loans
Finance Strategist - Vic

Authorised Credit Representative (No: 391539) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Degree of Business Studies – Victoria University (Melb)
Certificate IV in Financial Services
Diploma in Financial Services
Mortgage & Finance Association of Australia member
2011 to 2017 Professional Lenders Association of Australia(PLAN) Top 100 Sales Masters Awards

Tony has over 10 years experience as a Mortgage Broker and has run his own Mortgage Broking business throughout this time. He has also owned other small businesses including a café, motel and a caravan park so understands the challenges and rewards of being self employed and a business owner.

He has a wealth of knowledge and experience in the finance industry and strives always to achieve the best possible result for his clients. Tony is passionate about the property industry and prides himself on going the “extra mile” for his clients. His attention to detail and professionalism is invaluable to business and clients.

Tony’s vision is to support his clients on their property investing journey, creating strategies and providing finance solutions to achieve their goals.

His personal investment experience includes subdivisions, strata titling, renovations and many other developments and his personal interests include keeping fit, travel, reading, camping and fishing.

Tel: 0437 410 420

Clint Ducat
Director – WiZDOM Loans
Finance Strategist - NSW

Authorised Credit Representative (No: 394987) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Mortgage Broking
Advanced Diploma Financial Planning

Clint Ducat has been in the Finance Industry for over 10 years, and is the Managing Director of the WiZDOM Group. Clint’s role is focused on growing and managing the WiZDOM team across all of the professional services offered within the group so clients receive the right advice, at the right time through a team of advisers that have a great depth of knowledge and experience as well as integrity.

Clint is all about building long lasting trusted relationships. He is passionate about the full range of professional services that WiZDOM offer and is committed to educating, supporting and advising clients with all aspects of their wealth accumulation and management to take control of their financial future by enabling them to make wiser decisions. His broad formal qualifications and experience means he can support not only WiZDOM’s clients but also the team in achieving this.

Clint is a country boy at heart and now lives on 8 acres of paradise in the beautiful Hunter Valley. In the time that he spends away from WiZDOM, Clint enjoys spending time with his young family doing outdoor activities.

Tel: 1300 949 366

David Sherrington
Finance Strategist - NSW

Authorised Credit Representative (No: 476233) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma in IT and Business (UK)
Diploma Finance and Mortgage Broking (Institute of Strategic Management)
Prince2 Project Management Practitioner
Six Sigma Green Belt certification (San Francisco)
Member Mortgage & Finance Association of Australia

Starting his career in the IT industry, David moved to Australia in his mid 20’s and spent about 25 years working for multinational and local companies delivering the right solutions for customers in many industries including Finance.

In 2014, David start to really focus on property investing and this was the trigger that led him to look at changing his career to focus on property. David retrained and obtained qualifications to become a Mortgage Broker so he could help people achieve their property dreams and further his passion for property.

It was through this and his passion for property investing that he joined the team at WiZDOM as a Finance Strategist.

David is a keen property investor, buying his first investment property in 1996, and has implemented strategies he has learned through experience and training. He is excited to have the opportunity to help fellow property investors on their journey.

Away from Finance and Property, David is a keen football fan and follows Liverpool Football club in the UK, he also likes the Sydney Swans in the AFL, and he enjoys listening to music and holidaying/travelling with his family.

Tel: 0434 226 189

Linda Kendall
Finance Strategist - NSW

Authorised Credit Representative (No: 498398) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Accounting
Certificate IV in Mortgage Broking

Linda has been working in the Finance Industry for over 25 years. Her passion for finance began at a very young age, when she commenced with Commonwealth Bank as a Teller.

After an extensive time with Commonwealth Bank, and vast range of roles, including lending and branch management, Linda then looked to have a career change, and studied Accounting.  However, after a short stint and a Diploma she returned to her passion of Property Finance.

Her WiZDOM journey commenced in January 2015, and she brings a wealth of knowledge from her extensive lending background and personal property investment portfolios. She is particularly interested in subdivisions, duplex constructions and renovations.

Linda’s number one focus is her customers and ensuring she provides exceptional customer service.  She is happy to provide you with ongoing support and share her knowledge about property investing to help make your property journey as easy as possible.

When Linda isn’t at work with WiZDOM she’s spending time renovating with her husband, playing taxi driver to her 2 beautiful children and keeping fit, with the occasional glass of red to finish the day.

Tel: 0408 245 895

Lloyd Devlin
Finance Strategist - VIC

Authorised Credit Representative (No: 466373) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Cert IV in financial services Mortgage Broking – Cert IV FS MB
Cert IV Property Services (Real Estate) – Cert IV RE
Bachelor of Applied Science Human Movement Honours – B App Sci HM Hon

Lloyd has come from a successful business background, and has always had a passion for property, with his father being one of four brothers who followed in their father’s profession and all became builders. When he relocated to the UK in 2004, Lloyd commenced his journey in the industry through working at letting and real estate agent, quickly progressing to working for one of the top investment companies in the UK. Initially Lloyd was a client manager which involved helping clients to build their property portfolio, before holding a highly respected role as a property sourcer. This involved securing approximately 4 million pounds of property per week for the company from developers and builders throughout the UK.

Lloyd believes in the benefits of investing and along his journey has personally acquired a number of properties. During this process Lloyd has utilised a number of property strategies including but not limited too; below market value deals, renovations, low money down deals, joint ventures, multiple occupancy properties, positive cash flow properties and is currently moving into small development projects.

Upon returning to Australia 4 years later he immersed himself in the Australian property market and along the way became qualified as a finance/mortgage broker and a real estate agent representative. Lloyd’s passion is helping people achieve their life goals and assisting clients to reach financial freedom. Lloyd provides a reliable source of financial education through a trustworthy and personalised service. He is an easy going a friendly person who always has his client’s best interests at heart.

His other interests include sport and travel. He loves all sports but has a passion for cricket which he has played all his life. He also enjoys water sports and any activity that gives an adrenalin rush or is a challenge. Lloyd loves travelling the world and has many great stories to share. His wife and two children continue to travel when possible and have a philosophy to enjoy and experience life to the fullest.

Tel: 0432 829 565

Michelle Holmes   
Finance Strategist - NSW

Authorised Credit Representative (No: 485782) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma Mortgage Broking Management
CERT IV Financial Services
Advanced Certificate Mortgage Planning
Finalist in Port Stephens Business Awards

Michelle has been employed in the financial services industry for over 27 years. She has extensive lending experience having worked for St George Bank in Orange and Nelson Bay before launching her own Mortgage Broking business in 2002. The business operated for over 12 years and was recognised as being an integral part of the property buying process for clients during this time. Michelle’s high customer service resulted in the business being nominated twice as finalists in the local business awards.

In 2014 Michelle left her business to upskill herself in the areas of wealth creation through property and money mindset, to assist clients achieve their goals.

Michelle is passionate about helping clients not only get onto the property ladder, but helping to educate them to build a property portfolio using the equity available through strategies available to reduce the debt quickly. WiZDOM is the perfect fit for Michelle to use her skills to assist clients achieve their goals.

Outside of work Michelle enjoys going for long walks by the ocean, cooking for family with that ‘special ingredient’, and building her own property portfolio.

Tel: 0414 545 393

Ruth O’Brien     
Finance Strategist - NSW

Authorised Credit Representative (No: 399088) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Business (NZ)
Diploma of Mortgage Broking
2016 PLAN Excellence in Finance Platinum
2016 PLAN Hall of Fame
2015 PLAN Excellence in Finance Gold
2014 PLAN Excellence in Finance Gold
2013 PLAN Excellence in Finance Gold

Starting off her career in Advertising, Ruth became a Senior Account Manager working with Multi-National clients firstly in New Zealand then London for over 10 years. Ruth was responsible for the allocation and management of millions of dollars in client advertising budgets, advertising campaigns and building strong client relationships. This gave her a wealth of experience working with a broad client base and strong business management skills.

After returning to Australia to start a family, Ruth commenced a new career in finance as a Mortgage Broker in 2006, firstly working with a Brokerage firm in Sydney, then taking on a role as Principal of a Financial Solutions business working alongside a large Real Estate chain in Newcastle. Around the same time Ruth established a strong referral relationship with a large Accounting and Financial Planning Firm in Newcastle and worked with them until she was introduced to our Network

Ruth has been a Strategist with the team since 2011 and is passionate about helping clients achieve their goals and assisting them with strategy and finance requirements.

A keen property investor herself Ruth has successfully completed a number of her own property strategies and Joint Venture Deals.

In her spare time away from WiZDOM Ruth enjoys boating, socialising with friends, property development and renovating.

Tel: 0419 783 192

Simone Hanlon  
Finance Strategist - SA

Authorised Credit Representative (No: 484549) of
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Diploma of Finance & Mortgage Broking Management
Certificate IV Finance & Mortgage Broking Management

Simone has had over 15 years’ experience working within the Banking & Finance Industry. She first started out as a Mortgage Broker at the age of 18. This was both challenging and rewarding and Simone experienced some good success in both broker and broker support roles although she was finally attracted by the bright lights of a Big Bank.  She started with a role in Credit Assessment for Residential Lending followed by roles in both Commercial and Agricultural Lending & Business Banking teams as an Assistant Manager.

After 7 years of working for Banks, Simone saw an opportunity to support Finance Broking businesses through remote assistance of loan application lodgement and tracking as a third party provider.  This lead Simone to starting up a business with a Bank colleague and building that business from the ground up of the next few years.

Simone came into contact with WiZDOM Loans through that business, and instantly loved the strategy, support, network and the relationships they had with their clients.

Simone is also a keen property investor, investing with her family as this works well for her so she can spend more time doing what she is more so passionate about – finance and helping clients achieve their property goals.  Simone is particularly passionate about renovations having completed several over the years with cutting her teeth on her fist at age 23. She loves to be hands on and getting on the tools!

In the time that Simone spends away from WiZDOM, she plays Netball for several teams and also at a state level for Indoor Netball. She also loves to get away up to the Shack on the Murray River to Water Ski and Wakeboard as often as possible.

Tel: 0404 029 086

Andrew Kubenk
Director – WiZDOM Loans
Finance Strategist - SA

Credit Representative (No: 436838) of:
WiZDOM Loans Pty Ltd (Australian Credit Licence No: 501060)

Masters in Business Administration (Adel)
Certified Practicing Accountant
Bachelor of Finance (Adel)
Diploma of Mortgage Broking (NSW TAFE)
Diploma of Business Banking (CSU)

2016 PLAN Excellence in Finance Platinum
2016 PLAN Advantedge Broker of the Year SA/NT
2015 PLAN Excellence in Finance Platinum
2015 PLAN Sole Trader of the Year SA/NT
2015 PLAN Rising Star SA/NT

Starting his career in a large family owned Furniture Removal business at the age of 12, Andrew learned about business and hard work at an early age.  Following University, Andrew joined Commonwealth Bank in Business Banking in 2001, working in various roles across rural South Australia and Adelaide, culminating in an Executive Manager role for Canberra and South Coast NSW.  After a great 11-year career with Commonwealth Bank, Andrew decided that it was time to create a business for himself and returned to Adelaide and started a Finance Broking business.  Through a family connection, Andrew ended up connecting with Dymphna and the I Love Real Estate community in 2012 and has supported the Community ever since.

Andrew is passionate about helping good people achieve good things and loves the opportunity to do this every day with WiZDOM.

Andrew is also a keen property investor, and invests with his immediate family. Andrew is particularly passionate around regional multi-unit properties, Commercial Properties and Development, having spent so much time supporting this type of investment with Commonwealth Bank.

In the time that Andrew spends away from WiZDOM, he is a keen fan of Port Adelaide Power in the AFL and follows all types of Motor Racing.

Tel: 0459 265 555