Built by someone who gets it

I spent ten years at a specialist member-owned bank dedicated to police, emergency services and healthcare professionals. I started as a mobile lending manager, out on the road writing loans one at a time. By the end I was leading several of the bank's lending and retention channels, including its broker channel nationally, and I was entrusted to approve residential home loans up to $1.5 million.

Starting at one end and finishing at the other is the part that matters. I've sat across from the customer, and I've sat on the side of the desk where the decision gets made. I know how policy gets written, why a lender says no, and how a strong application needs to be put together to get a fair hearing.

My wife is a paramedic, so I've seen first-hand how an unpredictable roster shapes everything, including how hard a payslip can be to make sense of. Time and again I watched people who serve end up with lending that didn't suit them, not because they couldn't afford better, but because nobody had looked past the one bank they walked into.

Income is part of that picture. So is lender policy, credit appetite, servicing, salary packaging, novated leases, deposit requirements and the waivers and professional policies plenty of people never hear about. I started Code 1 Finance to put all of that to work for one community, dealing with the banks so you don't have to.

When you work with me, you're not getting a call centre. You're getting my mobile number, my direct attention, and a broker who'll work around your roster, because I know your schedule isn't 9 to 5.