We’re excited to share that I Know The Broker Caloundra has officially opened its doors. Our new office makes it even easier for locals to get expert help with home loans, refinancing, investment property loans, and more.

We’re excited to welcome you to our new I Know The Broker Mooloolaba office, located right in the heart of The Wharf precinct. This new space allows us to work more closely with local clients looking for expert mortgage guidance.

Kristin’s approach is simple: she believes that finance doesn’t have to be complicated or intimidating. By putting her clients at the centre of everything she does, she works to make the home loan process as straightforward and stress-free as possible.

As a vital member of the IKTB team, Kristin plays a pivotal role in the home loan application process. She collaborates closely with our brokers to conduct credit analysis, serviceability assessments, and loan comparisons. Kristin is responsible for preparing loan submissions, ensuring a smooth, accurate, and efficient application process while providing support and guidance to clients every step of the way.

When she’s not working, Kristin loves spending time with her husband and two boys, cheering them on as their number one fan at their sporting events. A daily beach walk and outdoor activities are essential for her, as is spending quality time unwinding with good friends.

Ivanka holds her Diploma of Finance and Mortgage Broking Management and understands the lending process better than most. Once loan applications are submitted, Ivanka becomes the client’s best friend and advocate. With her great relationship with lenders, Ivanka keeps the banks on their toes, making sure promises on time frames and settlements are kept. With a property management background, Ivanka is worth her weight in gold and is a wealth of information on all things property and lending. From loan accounts to insurance, to setting up repayments, Ivanka will be there to assist. Her role is critical in ensuring clients remain satisfied and happy with their service.

Outside of her professional life, Ivanka is dedicated to caring for her three children and embracing the laid-back lifestyle of the Sunshine Coast. She also channels her passion for assisting others by running a personal home organisation business. Even during her leisure time, Ivanka is generous and finds fulfilment by volunteering at aged care facilities.

Elliott joined the team with over 10 years of professional experience in the civil engineering and project management fields to his name. With his impressive education and professional background, he brings a wealth of knowledge and skills to his work at I Know The Broker. With an eye for detail being crucial when applying for finance, Elliott can effectively manage our customers' loan applications and ensure they enjoy a simple and seamless experience.

In his spare time, Elliott enjoys life with an adventurous spirit. He can be found exploring new hiking trails, chasing early morning waves, or relaxing in the company of cherished friends and family. Elliott is also a "culinary enthusiast," with a love for cooking and trying new food, turning each dining experience into a delectable journey of discovery.

Renee has been in business for as long as she can remember and has studied in business, finance, and real estate. With a love of numbers from her earliest days, Renee possesses energy, dedication, and enthusiasm for ensuring that your biggest investment is a seamless and positive experience. As the Managing Director of IKTB, Renee ensures this same passion is achieved from top down at I Know The Broker. Since 2023, Renee has also become a fully endorsed mentor to help others achieve similarly fantastic results and enjoyment from the industry.

​Renee specialises in sourcing and structuring a wide range of home and investment finance packages for her clients. "I am very good at finding solutions when no one else can. I spend a lot of time staying on top of bank policies and niches to ensure I am always able to match you to the right loan. I take great pleasure in solving your lending puzzle and matching the pieces until I find a great fit!", said Renee.

​Renee is a fully qualified member of the Mortgage and Finance Industry of Australia (MFAA) and has both her Certificate IV & Diploma in Financial Services, along with an Advanced Diploma of Financial Planning.

When not at work, Renee can be found doing anything from dining with friends and family, to keeping fit on her daily walk and swim at the beach, climbing a local mountain, or anything outside in the sun.

Renee is supported by an outstanding team who understand the finance industry and are well versed in lending policy. They are continuously striving for excellence in their field and always put their client’s interests first. “Their goal is for you to be thrilled with our service and to share your experiences with your friends and family.”

In the wake of inflation, many Australian households are under financial strain. Stagnant wages, increasing interest rates, and an increase in the cost of living are making things harder. Unfortunately, even for mortgage holders, government relief measures such as rent assistance or energy bill support are not enough.

Now, before things get out of hand, you should seek the services of a mortgage broker.

With the economic uncertainty continuing, mortgage brokers are no longer just facilitators. The role of a mortgage broker has evolved, especially in communities such as the Sunshine Coast, where the cost of living is rising daily. According to Roy Morgan ( Australia's most well-known market research company), the number of homeowners at risk of mortgage stress has increased by 644,000.

A professional mortgage broker is often the first to see that a client is starting to struggle. They notice when a client begins missing a repayment or expresses stress over rising interest rates. Mortgage brokers not only help people buy homes, but also help them stay in them.

Your ideal mortgage broker must stay informed on more than just lender policies. The broker should be confident enough to initiate difficult but necessary conversations about your finances. They should also know which options exist for distressed clients and the best time to refer them to debt and credit professionals.

Not every client who needs help should file for bankruptcy. Many simply need breathing space. A mortgage broker in the Sunshine Coast provides informal debt management solutions, such as negotiated repayment plans or instant freezes. Such solutions offer a way forward without the long-term consequences of more extreme measures.

Being a Steady Hand Through Financial Strain
In times of financial stress, you need someone who can listen, understand, and advise. If you have multiple debts and are falling behind on repayments, you need an experienced professional who can provide solutions. A mortgage broker can take you through several options calmly and without pressure while helping you understand your financial position more clearly.

Brokers are better positioned to recognise signs of hardship and can better guide you on how to approach your lender. Financial difficulties that lenders consider include significant experiences that make it challenging to meet financial obligations, such as job loss, illness, income reduction, or business failure.

What most people don’t know is that they can apply for temporary relief from their lender. A mortgage broker can help you apply for hardship assistance by requesting changes to your loan term due to financial stress.

The broker will help you gather and present the following information to your lender.