Our Team
Check out the team at CFC Finance and get in touch with a qualified Mortgage Broker today.
Rated 5 from 39 Reviews
Services
Rated 5 from 39 Reviews
With over 14 years of experience in the finance industry, Kyle has developed a deep expertise, beginning his career in 2011. He spent six years as a manager at National Australia Bank before transitioning to a broker role in 2018. In 2021, Kyle acquired CFC Finance and has since led the company with a vision that prioritises client needs and team collaboration. He holds a Diploma in Finance and Mortgage Broking Management and is furthering his education at the AFG Academy Harvard Business School.
Kyle’s leadership is grounded in integrity and values, believing that putting people over profit ultimately leads to success. His strong skills in finance strategy, emotional intelligence, and creative problem-solving make him a respected figure in the industry. Outside of work, Kyle enjoys cooking, working on cars, and outdoor activities like 4x4ing and camping with friends and family. A member of the MFAA, he is driven by a deep desire to help others and believes in the power of reciprocity and mutual respect.
With nearly 20 years in the finance industry, Catherine's journey has always been driven by a simple yet profound belief: clients are at the heart of everything she does. Her approach is personal, empathetic, and education-focused—always aiming to demystify the complexities and jargon of finance so clients can make informed choices while balancing busy lives.
Each client relationship is a privilege for Catherine; it’s about building genuine connections, listening carefully, and providing tailored advice that respects individual goals and circumstances. She brings calmness, positivity, and patience to every interaction, ensuring that clients feel heard, understood, and valued. Outside her professional life, Catherine is a proud mother who cherishes spending quality time with family and friends. She is also a history buff who loves to read, constantly exploring new perspectives and ideas through books. Ultimately, what she enjoys most about her work in finance is making the complex understandable, helping people achieve clarity, confidence, and control over their financial futures.
With a strong background in marketing and communications, Emily brings a wealth of expertise to the team at CFC Finance. Since joining in 2021, she has played a key role in driving the firm’s marketing efforts, utilizing her analytical skills, attention to detail, and strategic planning to create effective strategies that resonate with clients.
Emily is deeply passionate about financial education and believes in the power of financial literacy. She takes pride in equipping the team to help clients understand their options and empower them to make informed decisions. Seeing clients grow their wealth and property portfolios through education is one of her greatest rewards.
Emily is committed to delivering an exceptional client experience, ensuring every journey with CFC Finance is smooth, enjoyable, and empowering. By listening actively, asking insightful questions, and fostering clear communication, she builds long-lasting relationships based on trust and integrity.
Outside of work, Emily enjoys breeding and showing Golden Retrievers and loves cooking. At CFC Finance, she is dedicated to supporting the team to guide clients through the complexities of finance, ensuring every step with purpose.
Jiaxin holds a Bachelor of Commerce in Finance and Banking from the University of Sydney and is currently pursuing a Master of Financial Analysis at UNSW. Her academic journey has fuelled her passion for finance, especially in corporate finance, financial modelling, and investment analysis. Jiaxin’s strong analytical and problem-solving skills, honed through internships and academic projects like portfolio construction and company valuation, enable her to provide valuable insights into financial data and investment decisions at CFC Finance.
At CFC Finance, Jiaxin focuses on helping clients navigate complex financial landscapes by tailoring solutions to meet their specific needs. Outside of work, she enjoys travelling, hiking, and creating video content, particularly vlogs documenting her experiences. With an interest in languages, she has studied Japanese, French, and Korean. Jiaxin’s commitment to client education and her dedication to integrity align with the company’s values of Integrity, Client centred culture, Education, Partnership and Community.
Meet Jove, the Operations Manager at CFC Finance. With a Bachelor of Science in Computer Science, Jove initially pursued Accountancy but chose Computer Science to graduate sooner and support her family financially. Her background in customer service and problem-solving, coupled with her team collaboration experience, enables her to provide exceptional service and support to clients. Jove is passionate about fostering a supportive environment where her team can thrive, ensuring that every member is empowered to perform at their best.
Jove is motivated by the fulfillment of helping clients achieve their goals and builds trust through empathy, active listening, and reliable service. She believes in continuous learning and process optimization, always striving to improve her skills to better support her team and contribute to the company's success. Outside of work, Jove enjoys gardening, finding joy in nurturing plants and watching them grow. At CFC Finance, her dedication to client experience and integrity aligns perfectly with the company’s values of Integrity, Client centred culture, Education, Partnership and Community.
Meet Glaze, a dedicated member of our Client Services team at CFC Finance. Glaze brings a wealth of experience and a genuine passion for helping clients achieve their financial goals. Her approach is deeply rooted in empathy, always putting herself in the clients' shoes to ensure their needs are understood and met with care.
Glaze is particularly passionate about credit analysis and the submission process, recognizing the critical role these steps play in turning dreams into reality. Her attention to detail and instinctive approach guide her to submit deals with confidence, always ensuring that clients receive the best possible outcome. She builds trust through consistent communication, providing updates, answering questions with kindness, and offering support whenever needed. Outside of work, Glaze enjoys spending time with her children, watching movies, and visiting the arcade. At CFC Finance, her commitment to delivering exceptional service and her genuine drive to make a difference in clients' lives align perfectly with our core values of Integrity, Client centred culture, Education, Partnership and Community.
Meet Priyanka, a dedicated professional currently pursuing the Chartered Accountant course in India, with a strong foundation in financial principles and hands-on experience in accounting and financial management. Priyanka’s passion for working with numbers and helping clients achieve their financial goals has driven her to pursue a career in finance. With excellent communication skills, attention to detail, and problem-solving abilities, she brings a client-focused approach to every interaction, ensuring that each client’s unique needs are understood and addressed with tailored solutions.
Priyanka is particularly passionate about assisting clients in their homeownership journey, whether they are first-time buyers or seasoned investors. She thrives in delivering personalised advice and guidance to help clients make informed decisions that align with their financial goals. Her ability to articulate complex concepts clearly and her dedication to providing exceptional service motivates her to build lasting relationships with clients. Outside of work, Priyanka is a trained Kathak dancer and enjoys painting, which brings her a sense of calm and fulfilment. At CFC Finance, Priyanka’s commitment to excellence and her drive to positively impact clients' financial journeys make her an invaluable asset to the team.
Meet Charlene, a passionate and dedicated professional with a background in Commerce, majoring in Management Accounting. Her journey into finance began in high school when she set her sights on working in a bank, and since then, she’s embraced every opportunity to grow in this dynamic field. With a past role in Sales & Marketing, Charlene brings valuable skills such as integrity, time management, attention to detail, and a collaborative approach to her work in finance. Her commitment to continually learning and improving has become a driving force in her career.
Charlene is most passionate about helping clients achieve their financial goals by carefully assessing their needs and financial capacity. She believes in the power of clear communication and takes time to understand each client’s personal and financial background, ensuring they receive the most effective solutions. Her approach to building trust and rapport with clients is centered around listening, understanding, and consistently delivering on promises. Outside of work, Charlene enjoys collecting and trying new recipes, bringing a touch of creativity into her personal life. At CFC Finance, her dedication to providing exceptional service and her desire to support clients on their financial journey reflect CFC Finance's core values of Integrity, Client centred culture, Education, Partnership and Community.
Niharika brings a strong academic background in Finance and Law (L.L.B.) to her role at CFC Finance. Motivated by her family's background in finance and her own passion for the field, she pursued a career that allows her to combine analytical skills with a deep commitment to client service. With a keen interest in document management and attention to detail, Niharika plays a pivotal role in ensuring that tasks are completed accurately and on time, providing essential support to her team and contributing to overall productivity. Her ability to quickly adapt and learn in the fast-paced finance industry enables her to consistently produce high-quality results.
Niharika is passionate about understanding each client's unique financial needs and working closely with them to develop tailored solutions. Her approach is grounded in transparency, active listening, and a dedication to exceeding client expectations. By building strong, trust-based relationships, she ensures that clients feel heard and supported throughout the financial process. Outside of work, Niharika enjoys dancing, cooking, creating Mandala art, and spending quality time with her family. Her long-term career goal is to specialise in financial planning and strategy, helping clients achieve their goals while contributing to the growth and success of the organisation.
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Nigel Pinto
Kyle and the team have been an absolute pleasure to work with. They are knowledgeable, personable, and always willing to help. I appreciate Kyle's professional yet approachable style and would recommend CFC.
SS
Snehaa Senthamilselvan Easwari
Before I met with Kyle from the CFC team, the thought of getting a mortgage felt incredibly daunting. However, from our first meeting, Kyle completely put my mind at ease. He was so patient and knowledgeable, breaking down complex ...
JR
Joshana Rodrigues
I've had the pleasure of working with Kyle Manson and his team several times now to finance my loans, and every experience has been exceptional. From start to finish, the process has been smooth, efficient, and completely stress-free. Thank ...
Most of our mortgage broking services are provided at no direct cost to you as our client. CFC Finance receives commission payments from lenders when your loan settles, which means you can access our expertise and guidance without paying upfront fees. This commission structure is regulated by Australian law and doesn't affect the interest rate or terms of your loan. In some specialised situations, we may charge a fee for service, but this would always be discussed and agreed upon before any work begins. We believe transparency is crucial, so we'll always explain our fee structure and any potential costs during our initial consultation.
A fixed interest rate remains unchanged for a predetermined period, typically one to five years, providing certainty about your repayment amounts during that time. This can help with budgeting and protect you from interest rate rises. A variable interest rate can change based on market conditions and lender decisions, meaning your repayments may increase or decrease over time. Variable rates often start lower than fixed rates and may offer features like offset accounts or redraw facilities. At CFC Finance, we help you understand how each option aligns with your financial goals and risk tolerance. Some borrowers choose split loans, combining both fixed and variable portions to balance certainty with flexibility.
If you have a variable rate loan, changes in official interest rates or lender margins will affect your repayments. When rates increase, your monthly repayments rise, and when they decrease, your repayments fall accordingly. Your lender will notify you of any changes, typically with at least 30 days' notice. If you have a fixed rate loan, your repayments remain unchanged during the fixed period, regardless of market movements. At CFC Finance, we maintain ongoing relationships with our clients and can assist with refinancing discussions if rate changes significantly impact your financial situation. We also provide guidance on strategies to manage rate fluctuations, such as making additional repayments during low-rate periods.
While many lenders prefer a 20% deposit to avoid Lenders Mortgage Insurance (LMI), it's possible to purchase property with a smaller deposit. Some lenders accept deposits as low as 5% for owner-occupiers, though this typically requires LMI coverage. First home buyers may access government schemes or grants that reduce deposit requirements further. The deposit amount also depends on the property price, your income, and the lender's criteria. At CFC Finance, we help you understand your borrowing capacity and explore options to maximise your deposit through savings, family assistance, or government initiatives. We can also explain how different deposit amounts affect your loan terms, insurance requirements, and overall borrowing costs.
Yes, CFC Finance can assist clients with various credit histories and income situations. Our extensive lender network includes specialists who consider applications from borrowers with past credit issues, irregular income, or unique employment circumstances. This might include self-employed individuals, contractors, or those with previous defaults or bankruptcies. We take time to understand your situation and identify lenders whose criteria align with your circumstances. While options may be more limited and potentially carry different terms, many Australians with credit challenges can still achieve home ownership or investment goals. We'll provide honest advice about your prospects and work to present your application in the most favourable light possible.
A mortgage broker acts as an intermediary between you and potential lenders, helping you find suitable home loan options. At CFC Finance, we work with a wide network of banks, credit unions, and non-bank lenders across Australia to compare loan products on your behalf. Rather than approaching each lender individually, we handle the research and application process, saving you considerable time and effort. Our expertise allows us to identify loan features that align with your financial situation and property goals, whether you're purchasing your first home or expanding your investment portfolio. We also provide ongoing support throughout the application process and can assist with refinancing needs in the future.
Absolutely. CFC Finance has extensive experience helping Australian investors secure finance for investment properties. Investment loans often have different criteria, interest rates, and features compared to owner-occupier loans. We understand the unique considerations for property investors, including tax implications, rental income assessments, and portfolio lending strategies. Our lender network includes specialists in investment property finance who can structure loans to support your investment goals. Whether you're purchasing your first investment property or expanding an existing portfolio, we can guide you through serviceability calculations, deposit strategies, and loan features that benefit property investors, such as interest-only payment options where appropriate.
The mortgage approval timeline can vary depending on several factors, including the lender, complexity of your application, and current market conditions. Generally, you can expect the process to take between two to six weeks from application submission to formal approval. Pre-approval, which provides conditional approval subject to property valuation, often takes one to two weeks. At CFC Finance, we work to streamline this process by ensuring your application is complete and accurate before submission, and we maintain regular communication with lenders to monitor progress. We'll keep you informed throughout each stage and can provide realistic timeframes based on your chosen lender and specific circumstances.
The documentation required for your home loan application typically includes proof of income, such as recent payslips, tax returns, and employment letters. You'll also need identification documents like your driver's licence and passport, plus bank statements covering the last three to six months. If you're self-employed, additional documentation such as business financial statements and accountant-prepared income summaries may be required. For the property purchase, you'll need the contract of sale and any relevant building or pest inspection reports. At CFC Finance, we provide a comprehensive checklist tailored to your specific situation and lender requirements, helping ensure your application progresses smoothly through the approval process.
Refinancing can be beneficial if you can secure a lower interest rate, access superior loan features, or consolidate debts. However, it's important to consider all costs involved, including discharge fees, application fees, and potential break costs for fixed-rate loans. At CFC Finance, we conduct a comprehensive review of your current loan against available market options, considering factors like remaining loan term, current equity, and your changed financial circumstances. Sometimes your existing lender may offer retention deals to keep your business. We help you understand the genuine savings potential and ensure any refinancing decision supports your long-term financial objectives rather than just chasing a marginally lower rate.
Manson Solutions Pty Ltd ABN: 33 633 819 271. Credit Representative #505383 is authorised under Australian Credit License #390094.
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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