If you have a home loan, chances are it’s costing you a lot more money than it should. How much? The average Australian Home Buyer could save up to $76,000 over the life of their loan and six years.


Meet Me


Renee Garsia

Hi, my name is Renee Garsia and I look forward to the opportunity of working with you.  

With a Diploma in Financial Services (Finance/Mortgage Broking) and an Advanced Diploma in Financial Planning you can be confident that you’re dealing with a professional. When you have the best rate, the right structure, and a plan that meets both short and long term goals you have a very powerful combination to move you forward on your path of home ownership.

I am hard working and diligent but also love to have a good laugh.

Contact Renee

E: [email protected]
T: 0410 413 196
Linkedin | Facebook



T & J

Hi Renee,

It has been an absolute pleasure dealing with you and all of the Ray White staff. You have no idea how much we  appreciate everything you have done for us. I will recommend you to anyone who is looking for finance. I have lived in the area for nearly 30 years and I can only praise how wonderful you were.

A & R

Renee to be honest, right now I could kiss you.  What another broker could not achieve in 2 weeks you have finished in under 5 days and the house is mine!  Thank you so much.

M & L

Renee words can't say how happy I have been with your service. You're responsive, don't seem to care how many times I call you and kept me updated every step of the way - it's so nerve wracking... After being told by my local branch that it wasn't possible I really can't thank you enough :)

D & V

Such a minefield made perfectly understandable by you.  Renee  you really did make what was a very difficult time for us as easy as possible. Your happy demeanour and positive attitude was certainly comforting.  Look forward to working with you again soon.

W & R

Renee I actually looked forward to your calls.  You are an absolute pleasure to deal with.  Always smiling and up for a good laugh.  That being said you got the job done and negotiated a much better rate than if I had went direct. Thank you

E & S

What do I say when you saved us $12,000 in interest every year!  Renee your knowledge and understanding of structure has seen us reshape our lending and save an astronomical amount of money.  Thank you thank you thank you

Start your application online

  We will tailor expert credit advice to suit your individual needs, and offer unwavering support from the start til settlement. Whether you're a first home owner, refinancer or investor, we'll look after you.