Anthony O’Flynn
Directing Mortgage Broker
OUR TEAM
Speak to a mortgage expert to ensure a flawlessly tailored experience
Luke Harborne
Mortgage Broker
Luke has been a welcome addition to the IFA Mortgages & Finance Team since January 2014. Luke began work in this industry as a Customer Service Manager, ensuring clients are satisfied with the home loan portfolio.
Luke has since developed into a vibrant and savvy Mortgage Broker, assisting many new clients with their first purchases as well as existing clients with their investment portfolio.
Luke recently purchased his first property at the beginning of 2017, taking advantage of the government incentives and financial nous which he will bring to all of his clients.
EXPERIENCE
Mortgage Broker & Practice Manager at IFA Mortgages & Finance – Sydney January 2014 to Present
Luke has been a Mortgage Broker since 2016 and assists clients all across Sydney with their home loan requirements. Working with Anthony for over 3 years now, Luke has a wealth of knowledge in loan structure and communicating effectively to implement personalised loan strategies.
Luke also handles the day-to-day management of the business and is constantly improving business practices to ensure efficiency of operation and as well as overall client satisfaction.
EDUCATION
Bachelor of Applied Science, (Physiotherapy) – University of Sydney, 2011 to 2015
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking Management
SPECIALITY
Luke’s speciality is within the residential lending space. He prides himself on ensuring the customer experience is as smooth as possible for the client from initial appointment to settlement of a purchase/refinance.
He also possesses a particular affinity for vehicle finance, guaranteeing he can beat anyone’s repayments. Take up the challenge and see what you could save!
Luke is a Credit Representative (490249) of BLSSA Pty Ltd, ACN 117651760 (Australian Credit Licence 391237)
Luke is also a Justice of the Peace in the State of NSW Reg. No 218292
INDUSTRY ACCOLADES AND AWARDS
As a mortgage broker, Luke has been fortunate enough to be recognised amongst the best of the best in the industry.
Luke has been acknowledged as:
7th Place, The Adviser’s 30 Under Thirty, 2017
MPA Young Guns, 2018
Luke has since developed into a vibrant and savvy Mortgage Broker, assisting many new clients with their first purchases as well as existing clients with their investment portfolio.
Luke recently purchased his first property at the beginning of 2017, taking advantage of the government incentives and financial nous which he will bring to all of his clients.
EXPERIENCE
Mortgage Broker & Practice Manager at IFA Mortgages & Finance – Sydney January 2014 to Present
Luke has been a Mortgage Broker since 2016 and assists clients all across Sydney with their home loan requirements. Working with Anthony for over 3 years now, Luke has a wealth of knowledge in loan structure and communicating effectively to implement personalised loan strategies.
Luke also handles the day-to-day management of the business and is constantly improving business practices to ensure efficiency of operation and as well as overall client satisfaction.
EDUCATION
Bachelor of Applied Science, (Physiotherapy) – University of Sydney, 2011 to 2015
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking Management
SPECIALITY
Luke’s speciality is within the residential lending space. He prides himself on ensuring the customer experience is as smooth as possible for the client from initial appointment to settlement of a purchase/refinance.
He also possesses a particular affinity for vehicle finance, guaranteeing he can beat anyone’s repayments. Take up the challenge and see what you could save!
Luke is a Credit Representative (490249) of BLSSA Pty Ltd, ACN 117651760 (Australian Credit Licence 391237)
Luke is also a Justice of the Peace in the State of NSW Reg. No 218292
INDUSTRY ACCOLADES AND AWARDS
As a mortgage broker, Luke has been fortunate enough to be recognised amongst the best of the best in the industry.
Luke has been acknowledged as:
7th Place, The Adviser’s 30 Under Thirty, 2017
MPA Young Guns, 2018
Anthony O’Flynn
Directing Mortgage Broker
Anthony has been involved in the finance industry for over 30 years and has operated IFA Mortgages & Finance for the past 16 years. Anthony is co-owner of IFA Mortgages & Finance and the cornerstone of managing the operation of the business.
Many of Anthony’s clients rely on him not only for his expert Mortgage Advice, but also as an overall ‘Life Coach’ for wealth advice and knowledge. Anthony always goes the extra mile for his clients and dedicates hours upon hours outside of business hours to ensure his clients are satisfied.
EXPERIENCE
Owner and Director of IFA Mortgages & Finance– Sydney
January 2001 to Present
Anthony develops individualised strategies for clients relating to the purchase of the family home and investing in a booming property market. He assists growing and established businesses to make the most of the tax advantages associated with owning property and other assets.
Lending Manager at State Bank of NSW/Colonial Bank/Commonwealth Bank – Sydney
January 1985 to 2001
Anthony held a range of roles during his 16 years at the State Bank of NSW, then Colonial Bank and then finally Commonwealth Bank. Anthony started as a Credit Assessor and worked his way up the ranks to a Lending Manager and eventually Head of Third Party Credit. Anthony was also a Business Development Manager, teaching up-and-coming Mortgage Brokers how to write home loans.
EDUCATION
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking
Diploma of Accounting
Advanced Diploma of Personnel Management
MFAA Accredited Mortgage Broker
SPECIALITY
Anthony has developed in to a Mortgage Broker and Adviser who thrives on a challenge. Anthony has a knack for testing the boundaries of Credit Approval and pushing the friendship with Assessors. His speciality lies within the more complex loan structures and strategies and ensuring the final strategy is suitable to the client and is exactly what they wanted to achieve.
Anthony is a Credit Representative (404007) of BLSSA Pty Ltd, ACN 117651760 (Australian Credit Licence 391237)
Anthony is also a Justice of the Peace in the State of NSW Reg. No. 197567
INDUSTRY ACCOLADES AND AWARDS
As a mortgage broker, Anthony has been fortunate enough to be recognised amongst the best of the best in the industry. Anthony has been acknowledged as:
FAST Business Excellence Broker, 2017
Finalist, Best Residential Broker, Better Business Awards 2018
Finalist, Residential Broker of the Year, Australian Broking Awards 2018
Many of Anthony’s clients rely on him not only for his expert Mortgage Advice, but also as an overall ‘Life Coach’ for wealth advice and knowledge. Anthony always goes the extra mile for his clients and dedicates hours upon hours outside of business hours to ensure his clients are satisfied.
EXPERIENCE
Owner and Director of IFA Mortgages & Finance– Sydney
January 2001 to Present
Anthony develops individualised strategies for clients relating to the purchase of the family home and investing in a booming property market. He assists growing and established businesses to make the most of the tax advantages associated with owning property and other assets.
Lending Manager at State Bank of NSW/Colonial Bank/Commonwealth Bank – Sydney
January 1985 to 2001
Anthony held a range of roles during his 16 years at the State Bank of NSW, then Colonial Bank and then finally Commonwealth Bank. Anthony started as a Credit Assessor and worked his way up the ranks to a Lending Manager and eventually Head of Third Party Credit. Anthony was also a Business Development Manager, teaching up-and-coming Mortgage Brokers how to write home loans.
EDUCATION
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking
Diploma of Accounting
Advanced Diploma of Personnel Management
MFAA Accredited Mortgage Broker
SPECIALITY
Anthony has developed in to a Mortgage Broker and Adviser who thrives on a challenge. Anthony has a knack for testing the boundaries of Credit Approval and pushing the friendship with Assessors. His speciality lies within the more complex loan structures and strategies and ensuring the final strategy is suitable to the client and is exactly what they wanted to achieve.
Anthony is a Credit Representative (404007) of BLSSA Pty Ltd, ACN 117651760 (Australian Credit Licence 391237)
Anthony is also a Justice of the Peace in the State of NSW Reg. No. 197567
INDUSTRY ACCOLADES AND AWARDS
As a mortgage broker, Anthony has been fortunate enough to be recognised amongst the best of the best in the industry. Anthony has been acknowledged as:
FAST Business Excellence Broker, 2017
Finalist, Best Residential Broker, Better Business Awards 2018
Finalist, Residential Broker of the Year, Australian Broking Awards 2018
Paul Kyriacou
Mortgage Broker
Paul Kyriacou became a broker at the start of 2023 after 4 years working for IFA Mortgages and Finance under the tutelage of experienced Broker's Anthony O'Flynn and Luke Harborne.
After a prodigious learning experience which saw him quickly become highly sought for assisting applications, communicating with clients as the first touch point for many deals and sought for his expert strategy planning - Paul's succession to broking was a natural progression which has seen him hit the ground running upholding and innovating IFA's systems and processes.
EXPERIENCE
Client Portfolio Manager at IFA Mortgages & Finance
2019-2020
Loan Processor at IFA Mortgages & Finance
2020-2023
Mortgage Broker at IFA Mortgages & Finance
2023 to Present
EDUCATION
Bachelor of Business, (Management and Economics) – University of Technology Sydney
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking
Management
SPECIALITY
Paul being a Business graduate with a natural talent for technology and innovation, has become a highly regarded mortgage broker at IFA Mortgages. His dedication to client relations and his ability to navigate the complex lending landscape have earned him the trust and satisfaction of his clients. Paul’s expertise extends beyond client interactions; he has also played a crucial role in improving loan submission processes and policy tracking leveraging his technology expertise.
His drive for excellence and desire for independence make him a standout professional, blending entrepreneurial spirit with professional fulfillment while significantly benefiting his clients and team.
After a prodigious learning experience which saw him quickly become highly sought for assisting applications, communicating with clients as the first touch point for many deals and sought for his expert strategy planning - Paul's succession to broking was a natural progression which has seen him hit the ground running upholding and innovating IFA's systems and processes.
EXPERIENCE
Client Portfolio Manager at IFA Mortgages & Finance
2019-2020
Loan Processor at IFA Mortgages & Finance
2020-2023
Mortgage Broker at IFA Mortgages & Finance
2023 to Present
EDUCATION
Bachelor of Business, (Management and Economics) – University of Technology Sydney
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking
Management
SPECIALITY
Paul being a Business graduate with a natural talent for technology and innovation, has become a highly regarded mortgage broker at IFA Mortgages. His dedication to client relations and his ability to navigate the complex lending landscape have earned him the trust and satisfaction of his clients. Paul’s expertise extends beyond client interactions; he has also played a crucial role in improving loan submission processes and policy tracking leveraging his technology expertise.
His drive for excellence and desire for independence make him a standout professional, blending entrepreneurial spirit with professional fulfillment while significantly benefiting his clients and team.
Fletcher Rowe
Business Development Manager
Fletcher is a passionate and driven addition to our team . He was drawn into the finance industry by the same characteristics that saw him excel within health, possessing an innate desire to help clients in an impactful way. He has found through his vast experience that he has an ability to maximise financial gain and streamline service.
If you’ve been sitting on your hands wondering how much you could be saving, speak to Fletcher and he will fight for a better deal.
EXPERIENCE
Business Development Manager at IFA Mortgages & Finance – Sydney
2016 to present
Fletcher works in a role that moves between the management of clients’ investment and property portfolios, and developing the up-and-coming IFA Mortgages & Finance brand in the mortgage broker industry. Fletcher deals with loan structure and strategy and liaises with our lenders to give our clients the best possible deal.
EDUCATION
Doctor of Physiotherapy – Macquarie University, 2013 to 2017
Bachelor of Applied Science (Exercise & Sports Science) – University of Sydney, 2011 to 2013
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking Management
SPECIALITY
As an expert in customer service, Fletcher is highly motivated in ensuring fluidity and transparency with clients’ dealings with the banks. He has been recognised for his exceptional custom throughout his work life which saw him recruited in this capacity for mortgage broker services.
If you’ve been sitting on your hands wondering how much you could be saving, speak to Fletcher and he will fight for a better deal.
EXPERIENCE
Business Development Manager at IFA Mortgages & Finance – Sydney
2016 to present
Fletcher works in a role that moves between the management of clients’ investment and property portfolios, and developing the up-and-coming IFA Mortgages & Finance brand in the mortgage broker industry. Fletcher deals with loan structure and strategy and liaises with our lenders to give our clients the best possible deal.
EDUCATION
Doctor of Physiotherapy – Macquarie University, 2013 to 2017
Bachelor of Applied Science (Exercise & Sports Science) – University of Sydney, 2011 to 2013
Certificate IV of Finance & Mortgage Broking
Diploma of Finance & Mortgage Broking Management
SPECIALITY
As an expert in customer service, Fletcher is highly motivated in ensuring fluidity and transparency with clients’ dealings with the banks. He has been recognised for his exceptional custom throughout his work life which saw him recruited in this capacity for mortgage broker services.
Speak to a team member - We respond to all questions & enquiries!
Our MFAA accredited mortgage brokers would love to help find you a home loan that suits your needs. Ask yourself, "why not?", and contact our team today
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