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.

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.

Nathan Smart

My goal is to help Australian airline pilots working abroad to obtain finance within Australia using foreign income, as well as ordinary Australians seeking finance. Through regular communication and transparency my goal is to provide you a seamless professional service through all your finance and development needs - whether your goal is first home buyer, owner occupier, investment, or property development.

Since 2005 I have worked in the building development industry both residential and small-scale commercial in South east Queensland, and during that time have assisted many clients with their development projects and funding needs. My experience covers helping clients find suitable development projects, sourcing appropriate funding, submitting council development, building and rezoning applications, construction, project management and residential sales.

My passion for aviation started early in life, commencing flight training before I could drive a car. I have been a professional pilot since 1996. I hold an ATPL, currently flying internationally on the Boeing 737 for a major Australian airline, previously flying Boeing 717 and Bae 146 domestically within Australia. I am a current member of the New Zealand Airline Pilots Association and the Australian Federation of Air Pilots, I have negotiated several industrial awards and been active on pilot councils since 2012. I have an intimate knowledge of aviation industrial agreements in both New Zealand and Australia and the challenges pilots face working internationally.

If you are looking to buy property, would like a review of your current loan, are having issues with obtaining Australian finance with foreign income, or just wanting to have a chat about general financial matters, I would love to hear from you.

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