We are very diligent regarding our service standards for both new and existing clients. You will be well taken care of by our friendly team every step of the way.

We work with a range of customers, from first home buyers, homeowners looking to upgrade, sophisticated investors with extensive property portfolios, Australian expatriates living and working overseas looking to establish a property portfolio in Australia and we have a particular focus on the self-employed who, despite the significant challenges in clearly establishing their capacity to maintain an investment, are comfortable with complex financial strategies and have an entrepreneurial, “can do” approach to their portfolios.

We work with a range of customers, from first home buyers, homeowners looking to upgrade, sophisticated investors with extensive property portfolios, Australian expatriates living and working overseas looking to establish a property portfolio in Australia and we have a particular focus on the self-employed who, despite the significant challenges in clearly establishing their capacity to maintain an investment, are comfortable with complex financial strategies and have an entrepreneurial, “can do” approach to their portfolios.

At Intuitive Finance we are very focused on our service standards for both new and existing clients. There are documented targets for all our customers and we are committed and passionate about ensuring you receive the ultimate loan “experience.” We also ensure that you are informed at every stage of the loan process including a post settlement follow up. For existing clients, we also ensure that we contact you annually for a review and an assessment of an RP Data property report for your portfolio.

Once we have identified exactly what you want to achieve – whether it’s buying a first home, an investment property, refinancing or consolidating your existing debts, considering buying a business, setting up a self-managed super fund or establishing an investment portfolio – we create a specific approach, from assessing the suitability and practicality of the strategy to the identification of the best lending partners through to the compilation of the critical information necessary for the preparation of your funding applications.

Once we’ve done the analysis and have been able to correctly assess such criteria as capacity and creditworthiness, we run a comprehensive review of the list of qualified lenders, their rates and of course any deals currently available. We gather together the detail required for the loan application and then submit these to the chosen lenders who meet the strategic requirements. As a result of the policy of doing things once, and correctly, our rates of rework are extremely low.

We make the often stressful and chaotic process around settlement as smooth as possible. We manage the timing of the document lodgement and coordinate with critical third parties such as conveyancers and solicitors.

Once the loan has been settled, we dont believe that our work is done and we are active in making sure our clients have a point of contact and are able to get information from us as required – we help ensure that issues such as repayment schedules and the provision of other facilities including credit cards are organised.

We are very focussed on the ongoing care and maintenance of your financial structures and want to make sure that clients always feel that they have a point of reference and that we are available to assist in any way we can. When the time comes to review the next phase of your investment strategy we are on hand to help with whatever is required – be it assisting with the identification of suitable assets to buy to assessing the suitability over time of the finance structures in place. We provide annual reviews and always look to provide our clients with updated property reports to identify portfolio value.

Our Team

Lachlan Mirams

Finance Specialist

Lachlan joined Intuitive Finance in September 2013. In this time, he plied his craft in a number of roles which has given him a greater understanding and appreciation of the industry and of the business. He is now an award winning Finance Specialist with a Diploma of Finance and Mortgage Broking Management.
 
Outside work, Lachlan is a very talented footballer, he previously played with North Melbourne in the VFL and currently with Glen Eira in the VAFA.  He is an avid sports fan and passionate supporter of North Melbourne in the AFL and Cleveland Cavaliers in the NBA.  In his spare-time he enjoys catching up with mates and travelling, in addition to playing football, basketball and golf.
 
He also enjoys winding down by watching plenty of sport, along with his favourite shows The Office and Taskmaster.

MFAA 2020 Best Newcomer Award
2020 The Adviser Better Business Awards, Finalist, Best Newcomer
2020 MPA Young Guns

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Alexandra Pappas 

Finance Specialist

Alexandra joined Intuitive Finance in March 2019. Since then, she has been able to gain a strong understanding of the intricacies in the financial landscape and expand her expertise through her roles as Relationship Manager, Credit Analyst and now Finance Specialist.

Fueled by a knowledgeable property law background, she is armed with a Diploma in Conveyancing and has seamlessly transitioned into her current role. Not one to rest on her laurels, she’s earned her Diploma in Finance and Mortgage Broking Management, and gained recognition as one of the finance industry’s rising stars along the way.

Outside of work, Alexandra is all about being outdoors and cherishing life’s precious moments with her loved ones, including her adored doggo, Duke. She is a devoted Carlton supporter in the AFL and brings the same passion to her interests in dog training and Olympic Weightlifting.

2023 MPA Rising Star

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Bonnie Carter

Finance Specialist

Bonnie joined the team at Intuitive Finance in early 2021 as a Broker Support Officer, developed to a Relationship Manager and has since moved into the role of Credit Analyst. She holds a Certificate IV in Business Management and has a background in working with RTO’s. Bonnie is excited to explore and learn more about the finance industry, as well as support others in achieving their full potential .

Outside of work Bonnie enjoys quality time with her friends and family and has a passion for fitness and food.

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Andrew Mirams 

Managing Director

Andrew Mirams is the Managing Director of Intuitive Finance and is a highly qualified mortgage advisor who holds dual diplomas in Financial Planning (Financial Services) and Banking and Finance (Mortgage Broking). Andrew’s expertise covers all aspects of lending for a diverse range of applications – from first home buyers’ loans or property upgrader loans, property investor loans, expatriates and loans for self-employed.

With over 32 years of experience and having settled well in excess of 1.5 billion dollars in loans, Andrew has been acknowledged by the mortgage industry as one of its best and most consistent performers with multiple awards including regularly featuring in both the top 100 mortgage brokers list and Top 50 Elite business writers.

2023 Top 100 Mortgage broker (10th year in a row)
2020 Top 100 Brokers
2020 Community Champion Award
2020 Finalist BBA Best Finance Broker
2020 Finalist Best Independent Office < 5 Brokers
2019 MPA Top 100 Brokers
To see all of Andrew’s articles click here.

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Melissa Gwynne

Office Manager

Melissa Gwynne serves as the Office Manager at Intuitive Finance, bringing a wealth of administrative experience to the team. With over 30 years of experience in administration, she has successfully held roles such as Office Manager, Executive Assistant, and Personal Assistant.

Melissa thrives in positive work environments where she feels valued and can collaborate with great people. She enjoys being part of a fun work culture and was drawn to Intuitive Finance by its stellar reputation and team spirit.

In her downtime, Melissa loves spending quality time with her children and friends. She enjoys travelling, walking, home renovating, and visiting the theatre. A fan of good food, wine, and coffee, she also appreciates relaxing with a book or Netflix alongside her Birman cat, Gigi.

Craig Caarels

Relationship Manager

Craig joined the team at Intuitive Finance in February 2017 as a Relationship Manager. He comes from a strong financial background with over 20 years of experience in most of the mortgage roles within the Commonwealth Bank and Heritage Building Society. He has broadened his finance background in the last 5 years within the Compliance area of the vehicle finance sector.

As members of the Melbourne Racing Club, Craig & his wife have an avid interest in the horseracing industry and one day hopes to own a share in a Group 1 winner.

He is very much looking forward to helping our clients feel at ease during the process and assisting with their property investment portfolios.

Max Besnard

Broker Support Officer

Max Besnard is a diligent Broker Support Officer and Credit Analyst at Intuitive Finance. He first joined the company in January 2021, transitioning from an administrative role into his current position before taking a 14-month break to focus on university studies. He returned part-time in late 2023, resuming his dedication to supporting clients through the mortgage process.’

His journey from administration to broker support and credit analysis has honed his skills in managing client cases and navigating the complexities of the lending process. Max finds the most fulfilment in his work by helping clients achieve significant milestones, whether purchasing their first home or gaining financial stability. He values being part of a process that positively impacts people’s lives and financial well-being.

A fan of Carlton in the AFL and the Oklahoma City Thunder in the NBA, Max enjoys collecting records in his spare time, with a fondness for bands like Led Zeppelin, Red Hot Chili Peppers, Foo Fighters, and Jimi Hendrix. He also loves spending quality time with family and friends.

Natasha Watson

Relationship Manager

Natasha Watson is a newly appointed Relationship Manager at Intuitive Finance. With over 15 years of experience in the finance industry, she holds a Certificate IV in Finance and Mortgage Broking. Her extensive background includes seven years as a loan assessor and eight years as a loan packager, providing her with a thorough understanding of the lending process and client needs.

Natasha is passionate about helping clients achieve their goals, whether it be purchasing their first home or expanding their investment property portfolio. She was drawn to Intuitive Finance by its vibrant team environment, where she can contribute her expertise while benefiting from a supportive, collaborative workplace.

In her free time, Natasha enjoys travelling, attending concerts, and spending quality moments with her family.

Dragana Savic

Relationship Manager

Dragana Savic is a dedicated Relationship Manager at Intuitive Finance with a background in equipment finance and financial hardship solutions. Her industry experience spans over 3.5 years, including 2 years in equipment finance with Monte Finance and 1.5 years as a Hardship Associate at ANZ Bank.

She holds dual diplomas in Business Management and Public Relations, providing her with a strong foundation in effective client communication and strategic business operations. Her time at ANZ Bank introduced her to the financial sector, where she managed financial hardship cases. This sparked her interest in lending, leading her to equipment finance before transitioning to mortgages, a natural progression that aligns with her passion for helping clients achieve their financial goals.

Drawn by Intuitive Finance’s stellar reputation within the industry, Dragana finds immense satisfaction in assisting clients to reach their goals and build solid financial futures. Outside of work, she enjoys watching documentaries, spending quality time with her family and friends, and cuddling with her pup Harley.

Our Awards

Intuitive Finance has consistently been recognised by the main industry and mortgage finance media bodies for
our outstanding service and business standards.

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    • Meet Our Community

    We participate in charity support days throughout the year and try whenever possible to recruit others in the community to share in the support of these worthwhile causes. In addition, we annually sponsor the following selected charities through donations. With every loan that we settle, we give you the choice to support either Clontarf or Challenge – supporting kids with Cancer through the donation of $20 in addition to our annual support. It’s our way of helping those less fortunate than us.

    Challenge

    Over the 30 years Challenge has been operating, they have grown from small beginnings to become well-known and respected as a non-profit organisation providing children living with cancer and their families an opportunity to interact with others in similar circumstances.

    Lungitude

    The Lungitude Foundation is a registered Australian charity focused on funding and facilitating world-class translational research, advocating for lung transplant excellence, building a strong community of support, and educating key audiences.

    Movember

    Movember funds lifesaving research and projects all across the globe, to aid with the education and funding of resources for men’s health. On average, men are dying 5 years earlier than women, caused predominantly from preventable causes. Intuitive Finance are proud to support such an important cause, and hopefully to help save our young men.

    The Huddle

    The Huddle was established to engage, support and empower young people to build on their strengths, increase their ability to participate in society and contribute to more socially inclusive communities and Intuitive Finance are proud supporters of this Charity.

    Clontarf Foundation

    The Clontarf Foundation is a charitable not-for-profit organisation registered as an unlisted public company limited by guarantee. We exist to improve the education, discipline, self-esteem, life skills and employment prospects of young Aboriginal and Torres Strait Islander men and by doing so, equip them to participate more meaningfully in society.

    Melbourne United Basketball

    North Melbourne Football Club

    Port Melbourne F.C.

    Real Feedback from Real Clients

    See All Reviews
    Kim Krajewski
    15 days ago
    I am so appreciative of all the work Bonnie and the Intuitive team put in, to help me obtain the perfect finance for th... read more
    Danielle de Rome
    22 days ago
    I worked with Alexandra Pappas over a number of years as our goals shifted until I finally purchased my first property.... read more
    Jack Tarpley
    22 days ago
    Fantastic service! Super knowledgeable of the market, access to huge amount of lenders & thorough communication! Hi... read more
    Jason Bourne
    a month ago
    This was my second home buying experience and I went back to Intuitive finance as I was impressed the first time and ... read more
    dizzalenko
    a month ago
    I am blown away by the exceptional service provided by Craig and the entire team at Intuitive Finance. Their expertise ... read more
    Simon Flower
    2 months ago
    Third time I have used these guys and each time they proven their worth by guiding me through the relentless (and somet... read more
    Dave Mcg
    2 months ago
    Have employed Intuitive a number of times now to refinance. They make the process very easy and are great at finding th... read more
    Karin Brown
    2 months ago
    Craig and all the team at Intuitive Finance were fantastic in ensuring we were able to manage our investment purchase w... read more
    Stacey L
    3 months ago
    It was an absolute pleasure working with Intuitive Finance. The whole team was very professional and helped my partner ... read more
    Adam
    3 months ago
    Intuitive Finance has delivered the best mortgage brokering experience I’ve ever had. Initially recommended to me by a ... read more
    Andrew Casserly
    3 months ago
    I could not be more impressed or willing to recommend the whole team at Intuitive Finance. They made the process of buy... read more
    GENEVIEVE PERCOVICH
    5 months ago
    The team really break it down and make sure we, as the client, get all the information and assistance we need, in real ... read more
    Dave
    6 months ago
    Andrew and his team are well versed to help property investors navigate the challenges of getting finance.
    Shane Hellyer
    6 months ago
    Lachlan, Dragana and team were amazing in helping me purchase my property. Right from the planning stages up through to... read more
    Guy Smith-steane
    6 months ago
    Spoke to Alex recently to get me on the right track to save for my property. Very professional and I couldn't be happie... read more

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