Kirsty has always been a gun and still is! She successfully did what many told me was impossible, refinanced my home loan, and a frustrating commercial loan, into a neat package with better terms and rates. It’s nice to only deal with one bank now, and they've been great so far! The refinance really has improved my life and the lives of my kids. We can actually do stuff now, which is great! I was very close to selling up and throwing it all away before Kirsty and Up Loans sorted everything out for me. Now our future is secure and affordable :) I can't thank you enough!