About us

Your Tasmanian Team of Expert Mortgage Brokers

We’re dedicated to making property ownership accessible and straightforward for every Australian.

Whether you're buying your first home, expanding your property portfolio, growing a business or refinancing an existing loan, we're here to help.
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Kaya Geale

Kaya brings a dynamic and innovative approach to the firm, with five years of experience in banking and finance.

Specialising in diverse areas such as first home buyers, seasoned investors, SMSF deals, and anything in between, Kaya’s expertise has been recognised with the Rising Star Award from Outsource Financial in 2023.

Holding a Diploma of Finance and Mortgage Broking Management and being a member of the FBAA, Kaya’s commitment to delivering exceptional client service and his fresh perspective are integral to the company.

Credit Representative Number: 546469

Riley May

With seven years in banking and finance, including roles at MyState Bank and Westpac Bank, Riley May has made a significant impact in mortgage broking. His accolades include the Rising Star Award from outsource Financial and a nomination for the 2024 Young Gun Broker of the Year at the Australian Mortgage Awards.

Riley’s broad expertise covers everything from first home buyers to retirees seeking to downsize. An avid golfer, Riley holds a Diploma of Finance and Mortgage Broking Management and is a respected member of the FBAA, bringing strategic insight and a client-focused approach to our firm.

Credit Representative Number: 544585

Cam Brumby

Cam Brumby offers a wealth of experience with a background that spans seven years in mobile home lending at MyState Bank and prior work in car finance.

His extensive knowledge of government grants and schemes makes him a valuable resource for first-time home buyers. 

Cam holds a Diploma of Finance and Mortgage Broking Management and is a dedicated member of the FBAA. His deep industry insight and commitment to client success are key elements in driving our firm's excellence.

Credit Representative Number: 558639
TRUST AT THE FOREFRONT

Creating value through variety

Everyone’s path to homeownership or investment is different, and we’re here to make yours as smooth as possible. From first-time buyers to seasoned investors, we’ve got a wide range of loan options designed to suit Tasmanians just like you.

Our friendly, experienced team combines years of industry know-how with a deep understanding of the local market to offer personalised solutions that truly deliver. Whether it’s a low-deposit loan, construction financing, or debt consolidation, we’ll work with you to find the right fit for your goals.

No matter where you’re at in your journey, we’re here to help take the guesswork out of the process. We value trust, transparency, and hard-work, and we’d like to think our clients do too. When you are ready we would love to help you get started.

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What to expect

Building a name you can trust

Expert Guidance

Our knowledgeable brokers guide you through every step of the mortgage process, providing clear and honest advice to help you make informed decisions.

One-Touch Convenience 

Provide your information once, and we'll handle all the tricky paperwork, making the process as smooth and hassle-free as possible.

No Cost to You

Our services come at no cost to you. We are paid directly by the lenders when you secure a loan through us, with no extra fees or higher interest rates.

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FAQs

Things people often ask about

LVR, LMI, comparison rate, interest only, conveyancing and more! When we were researching our home loan options, we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. We’ve created a whole page for people like us that like their answers without a side of gobbledygook.

The amount you can borrow depends on several factors, including your income, expenses, existing debts, and the type of loan you're seeking. Here's how it typically works:

Income and Employment: Lenders will look at your gross income, job stability, and employment history to determine your borrowing capacity.

Expenses and Debts: Your regular expenses and any existing debts (like credit cards, car loans, etc.) will be considered to understand your financial commitments.

Credit Score: A good credit score can increase your borrowing power, as it shows lenders that you're a reliable borrower.

Loan Type and Terms: The type of loan and its terms (fixed or variable rate, loan term, etc.) will also impact how much you can borrow.

Deposit and Equity: The amount of deposit you have saved or the equity in your current property can affect the loan amount.

If you just like quick numbers, use our borrowing power calculator or chat with one of our friendly Fortify Loans brokers who can provide personalised guidance based on your unique situation.

Equity is the difference between the current market value of your property and the amount you still owe on your mortgage. For example, if your home is worth $600,000 and you owe $400,000, your equity is $200,000.

To unlock your equity, you can:

Home Equity Loan: Borrow a lump sum using your equity as collateral. You'll repay it with fixed monthly payments over a set term.

Home Equity Line of Credit (HELOC): Similar to a credit card, you can borrow as needed up to a certain limit and only pay interest on what you use.

Refinancing: Replace your current mortgage with a new one for a higher amount, effectively cashing out your equity.

Each option has its benefits, so it's best to discuss your situation with one of our Fortify Loans brokers to find the right fit for you.

LMI stands for Lender’s Mortgage Insurance. This protects the bank in case you default on your home loan. This is an additional charge, typically if your deposit is less than 20% of the purchase price. If you want to buy a property for $500,000 and have $50,000 (10%) saved for a deposit, the bank may charge you LMI. LMI is a once-off payment, and can often be added to your loan amount.

LVR stands for Loan to Value Ratio. The amount of money that a bank will lend you based on how much the property is worth. For example, an 80% LVR means the bank is willing to lend up to 80% of what the property is worth. If you’re buying a property for $500,000, an 80% LVR loan is $400,000. In this example, you would need to have $100,000 (20% of $500,000) saved up for a deposit.

Absolutely not. Our service is complimentary plus we have access to more choices (over 70 lenders) than what a single bank can provide. So with us you get more options to tailor a solution better to your wants and needs. Also, as brokers, we are governed by a thing called “Best Interest Duty” (BID) ensuring we are always acting in the best interest of our clients… something that banks aren’t governed by.

Before we do anything serious we will get you to sign off on our Privacy Policy and our Credit Guide. Everything is available via your home loan portal and can be signed via secure digital signature online.
DON’T JUST TAKE IT FROM US

Things people say about us

IMPORTANT INFO

Fortify Loans Pty Ltd (ABN 51679738786 and Credit Representative Number 546469) is authorised under Australian Credit Licence 384324.
*Individual lenders may charge fees to the customer.

This website provides general information only. Our content does not constitute legal, tax or financial advice and has been prepared without taking into account your objectives, financial situation or needs. You should always consider whether any loan or financial decision is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

CONNECT WITH US

03 6184 7127
info@fortifyloans.com.au

ACKNOWLEDGEMENT OF COUNTRY

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.