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Although born in Ayr, I consider myself a Townsville girl, having moved here when I was five. I am part of a large family and grew up in Townsville, attending Holy Spirit Primary School and then going onto Saint Margaret Mary’s in High School. I started my banking career in 2003 at Defence Force Credit Union and haven’t looked back. I have over 12 years’ experience in the finance industry, having worked at the Commonwealth Bank and Railways Credit Union in Brisbane before moving back to Townsville in 2012. This was when I started working at Astute Townsville Central (formerly Landy James) and realised my passion for lending and became accredited as a Mortgage Broker.
As a Finance Broker, I have access to a number of banks, which means I am able to find the best product to fit my client’s needs. Having worked in the banks on the ground level I understand the frustrations customers face, and therefore I aim to give my customers a different experience and make the process as easy and stress-free as possible. I aim to build enduring relationships with my clients that last well beyond the settlement date. I not only guide my clients throughout the whole process but provide exceptional after service care.
When you choose to use me as your Broker you are getting a “One Stop Shop”. I can help with Home Loans, Investment Loans, Commercial Loans, Car Loans, Equipment Finance and Personal Loans, as well as recommend a fantastic Financial Planner, and give recommendations for other services you may require when it comes to your finance needs.
Personally, I enjoy staying active and healthy, playing Oztag and going to the gym. I am also a Mum of two beautiful kids, as well as our cheeky dog.
Myself and Cozi would like to say a big thankyou to Rebecca and Denise for all there assistance to refinance our home loan. We have gone from a high interest rate and will now own our home sooner with the additional payments we can now include.
Your professionalism and understanding as you both worked together to achieve a better result for our family was amazing, we would not hesitate in recommending you both and Astute to assist in the future.
Buying your first home is a very stressful process. There is only so much information you can take on board before it all becomes a complicated mess. Even worse, going through this process on my own, only to be faced with issues and delays from the bank, meant that I was very close to giving up on my dream of buying my first home.
My builder recommended I visit a finance broker to discuss my finance options and I am incredibly glad that I walked into Astute Townsville Central. Immediately, Steven and his team had managed to obtain a better loan option for myself and erased all of the stress and concerns I had about meeting deadlines and getting the build started. Since then, I have received nothing but the best support and help from the team at Astute Townsville Central and will continue to use their services once my home is built and into the future.”
My partner and I were having trouble deciding the best way to utilise our cash and property assets to give us the best outcome of a home loan (to combine our households), and we ended up over-complicating it a little when we discussed it with each other. Immediately that we sat down with Denise, she cut through the confusion and offered us sensible, simple and logical pathways which has helped us immensely.
The whole experience was great, from reception to finance and through to settlement. Will and have recommended. Was the easiest big purchase I’ve ever made.
My wife and I have had the pleasure of having our finances arranged and managed by Steve James of Astute Townsville Central. At all times Steven and staff were a joy to interact with. Their pleasant manner and professionalism were second to none. We have no hesitation in recommending their services. Quality staff with quality advice.
Our dream home was a colonial-style, spacious, forever-type home with wrap around verandas and beautiful timber floors throughout. Regrettably, after being subjected to twelve months of ineffectual communication with both banks and mortgage brokers throughout Queensland, our dream of a colonial-style home was no closer to realisation. We will be eternally grateful however, that Astute Townsville Central was recommended to us as a highly professional finance brokerage renowned for procuring home loans when other mortgage brokers were unsuccessful. The process of applying for our loan, negotiating with the bank and liaising with our builders was an amazingly uncomplicated and stress-free process due to the friendly professionals at Astute Townsville Central. The staff unquestionably demonstrated commitment above and beyond what one expects of a mortgage brokerage. There is no dispute that if it were not for Steve and the team we would not be about to move into our dream home!
Denise is amazing. She helped sort out a tricky situation that others didn’t help with. She’s friendly and approachable and really cares about you! There was never any pressure to sign a loan and she went out of her way to help. Highly recommended to those wanting someone they can trust!
