The Crew: Adviser Profiles

Richard Garner

I have worked in financial services since 2002 and during that time have assisted hundreds of clients with their lending and advice needs. My experience encompasses all areas of residential lending, with refinancing and investment property lending a major focus. Other areas of expertise include first home buyers, purchasers, renovators and debt consolidation.

I have a strong track record in the commercial lending space spanning both small and large enterprise, assisting clients with commercial loans, property development finance, equipment finance, leasing and cash flow lending. Through regular communication, delivering market updates and conducting an annual review, my aim is to position you and your family for future growth by ensuring your loan remains relevant.

My passion for aviation developed from an early age, taking my first flight at just 14 years old. I hold an ATPL, currently flying internationally on the A330, previously domestically flying Boeing 737 and Boeing 717s. I have an intimate knowledge of Aviation industrial agreements and am uniquely positioned to get excellent lending outcomes for those working in the sector.

I am a qualified Financial Adviser and have previously been a Responsible Manager for both an Australian Financial Services Licence (AFSL) and Australian Credit Licence (ACL). I have provided advice to both wholesale and retail clients in all aspects of wealth management, including:

If you are looking to buy property or would like a review of your current loan, wish to discuss a development project or are just wanting to have a chat about general financial matters I would love to hear from you.

Richard Garner is a Credit Representative (Credit Representative Number 507084) of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025).

Matt Clarke

I have been involved in the residential property market for 20 years, and have seen firsthand the challenges of obtaining finance and the minefield the whole process can become if not well managed.

These challenges have only grown over recent years, and it’s now more important than ever to make sure you have an expert on your side, managing the process for you and ensuring you get the best possible outcome.

As a qualified mortgage broker, it is my passion to provide our clients with the guidance, support and advocacy they need to achieve their property goals.

I have also been in aviation for over 20 years and have flown B747, B767 and A330 aircraft domestically and internationally. I understand the unique nature of the work airline crew do and the challenges this can create when trying to obtain finance or manage a refinance.

Using this knowledge and experience I can position you to ensure the most advantageous outcome, and manage your application process for you, while you manage your roster and the many other demands on your time.

I look forward to helping you take the next step on your property journey.

Matthew Clarke is a Credit Representative (Credit Representative Number 520854) of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025).

Daniel Jones

I have 10 years’ experience in banking and financial services.

My career commenced in 2005 providing lending to medical and allied health professionals, including residential and commercial mortgages, leasing and financing practice fitouts. From there I moved into wealth management, partnering with financial planners across all facets of their business, including superannuation, investments, insurance, debt management and estate planning.

I hold a Bachelor of Economics (Economics and Finance) from the University of Sydney, an Advanced Diploma in Financial Services and a Certificate IV in Finance and Mortgage Broking.

Since my first solo flight at 16 years old, I’ve been fortunate to have made my passion my profession. I am an A320 pilot, having previously worked for a regional airline throughout Queensland.

Through Crew Financial, I am driven to help people get the best possible outcome to realise their home or investment aspirations. I enjoy working with clients to cut through financial jargon and fully understand their options.

I would welcome the opportunity to discuss how I could help with your current and future lending needs.

Daniel Jones is a Credit Representative of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025).

Matt Symons

Matt is an experienced Mortgage and Finance Broker with a background in property and investing.

He genuinely enjoys getting to know his clients personally - helping them to achieve their goals with creative solutions in an expedient manner. He also enjoys teaching his clients about property and finance throughout the loan journey.

Matt was previously based overseas with an expat airline, and knows first-hand the challenges expat Australians have attaining financing whilst abroad. He has a 100% success rate securing finance for both his in country and expat clients.

Being from a 3rd generation family of medical specialists, he understands the often unique situations they face. Consequently, he is well placed to assist by taking an empathetic approach to the often complex legal structures they employ.

Other areas of Matt’s expertise include refinancing existing loans, construction loans, first home buyers and residential development. He is a full member of the Mortgage and Finance Association of Australia.

Matt is an experienced pilot having flown the Boeing 777 across the network of Europe, Asia, North America, Africa and Australia. In his early career he was an aerial survey pilot and flight instructor. He is member of the Australian Federation of Air Pilots and holds both Australian and Hong Kong licenses. He speaks English, German and Swedish fluently.

For a complimentary and confidential review of your finances we encourage you to reach out to Matt anytime.

To book a free phone call please click click here.

Matt Symons is a Credit Representative of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025).

Marita Baracz

In my personal experience, the process of buying and selling is exhilarating and daunting at the same time.

It’s an exciting moment to look for a new property, dream about it, project it and finally move in or rent it out; and you need a great team behind you to make that happen - effortlessly. I still remember my own experience nearly twenty years ago with an impatient bank manager and lack of desire to truly help and understand my situation. I often think of that period and how imperative it was for me to have someone that truly understood the lending world from the inside out and had only my best interest at heart. That is at the core, of why I love what I do. I make the time to truly understand my clients and strive to deliver beyond what they expect.

After 16 years in customer service as a long haul flight attendant, I knew I could leverage my skill set and personal learnings to provide the service I wish I had during my first house purchase.

I have always held a strong personal interest in finance and property, starting from an early age with my father who owned and ran his own real estate agency on the Gold Coast. It was an early taste of property and the finance world and offered the opportunity to be on both sides of the market. I have a strong desire to provide tailored guidance based on your specific long-term goals, ensuring you have the best possible experience with the best possible strategy to suit you. I look forward to being your broker for the long haul and assisting you achieve all your home and investment goals.

Marita Baracz is a Credit Representative of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025).

‘Other bankers simply don’t understand our agreements’ Graeme, VA Captain