Loved Up

  • Video testimonial from two time client Justin.


  • Andrew, Astro and I are today proud owners of a beach house in Seven Mile!!! We get to wake up to this beautiful sunrise every morning for the next 30 years. Thank you Carrie Twine and Kirsty Dunphey from Up Loans - the best mortgage brokers in Tassie. 

    Andrew, Astro & Alice

    client-assets/10401468_645209478926820_2843229475348711854_n.jpg client-assets/10511088_645210775593357_1601090486363348988_n.jpg

  • Dear Kirsty & Carrie, You girls render me speechless. Your level of professionalism, communication and drive to achieve the ultimate result for your clients in nothing but totally amazing. I don’t want to sound over the top but in over 20 years in this industry I have never experienced such service. I am totally committed to asking you every time to please look after any clients I have who may be looking for finance. A very sincere thank you.

    Pam Corkhill - Knight Frank

    client-assets/images/loved_up/pam.jpg client-assets/images/loved_up/knight.jpg

  • Thank you so much Kirsty for helping us to buy our first home. Without your help, I'm positive Georgia and I may have gone slightly insane. So, thanks for staying positive with us when we thought it was all over, the many hours of emailing back and forth and diffusing Georgia’s tears on numerous occasions. We would highly recommend your services to anyone looking to buy their first, second, third, or fourth home as you have been nothing short of Amazing. Thanks. So much.

    Ben and Georgia


  • Many thanks Carrie and Kirsty on your tireless persistence. I now get to enjoy this view any time I like!

    Katrina & Bevan


  • We thought you were wonderful. In fact this is the first time I have used a broker as a few friends have recommended staying clear. You can get the same deal yourself they said and they don’t add much. Not my experience! Not sure if I would have gotten the loan I wanted or the best for me without the use of Up Loans. And being in constant communication with you made it way less stressful and easy. I would never not use you again if I was ever to get another home loan. And certainly in the future will be back in contact to re-assess loan etc. It has been a pleasure and would recommend Up Loans to anyone looking for a home loan.

    Helen & Jill


  • We are totally blown away with the amazing service we received from Kirsty from Up Loans during our refinance! Kirsty went above and beyond the call of duty and kept us updated the whole way along. She managed to secure us an amazing interest rate on our new loan and we could not be happier! If you have considered refinancing you should most definitely give Kirsty or Carrie at Up Loans a ring, you won’t regret it! Thank you Kirsty x

    Allie & Phil

    client-assets/images/loved_up/allie.jpg client-assets/images/loved_up/IMG_7443.JPG

  • Thank you fabulous ladies of Up Loans who have just sorted out a refinance for me. You couldn't have made it any easier if you tried, took away all the hassle, found me a better deal and created some financial opportunity. Thank you for being awesome!



  • Oh Kirsty thank you so much. You have been absolutely amazing and we could not have done it without you. You have made the process so much easier than it could have been! We really can't thank you enough. We appreciate everything you have done, and would highly recommend you to anyone. You have kept us in the loop with everything that has gone on and have done everything you can to keep the costs as low as possible for us. Thank you from the bottom of our hearts.

    Sammie & Dave


  • Hi Kirsty, A quick message to say a huge thanks for getting this loan across the line. After the purchasers were with another bank for almost 3 weeks with no direction, you were able to get it done in 3 days!! Your ability to keep both buyer and agent (and in turn vendor) informed on the progress with emails each day telling us of the developments was unbelievable. It is the major piece of the puzzle missing in the finance industry, lack of regular communication and you have made that just so good. Well done and no doubt we will be doing many more deals.

    Richard Bailey - Bushby

    client-assets/images/loved_up/richard.jpg client-assets/images/loved_up/main.jpg

  • My experience with Kirsty Dunphey of Up Loans was amazing. From the moment we put the property under contract Kirsty’s communication was frequent and clear. As the listing agent of the property I was kept well informed as to the process of the loan being approved and finalised. I cant recommend Kirsty and Carrie at Up Loans highly enough.

    Jane Crawford - Harcourts

    client-assets/images/loved_up/jane.jpg client-assets/images/loved_up/harcourts.jpg

  • Flawless professionalism, a genuine interest in getting to know us, our circumstances and what we needed, amazing customer service and follow up AND a fantastic end result saving us thousands!!

    Kristie and Steven


  • My husband and I were VERY impressed with the level of service we received and continue to receive, the availability of Kirsty, both during office hours and after, the deep understanding Kirsty had of the industry and her ability to apply this to our unique circumstances. Kirsty also freely gave her knowledge and wisdom to help us plan for our future. Thank you Up Loans and we look forward to utilising your services again.

    Clare and John


  • Kirsty is a dynamo! We have just gone through the process of re-financing our home to better suit our lifestyle and Kirsty has been nothing but professional, helpful and supportive from the start. She has responded to our every question immediately, she has completed all the paperwork she possibly can for us, and has sourced an excellent local option for us which suits us perfectly. I would have expected the process of going to a broker to be time consuming and difficult but working with Kirsty from Up Loans has been the opposite - easy and effortless! Many thanks Kirsty!

    Sara & Dwayne


  • Thanks for being a Superwoman, Kirsty! You not only gave us the best loan options and hassle free experience, you certainly made our day today!

    Steph and Jap

    client-assets/images/steph.jpg client-assets/images/mts.jpg

  • Kirsty has been amazing during the process of organizing finance to build our first home. She has stepped us through each stage and gone over and above to answer our many questions. The communication from Up Loans has been a stand out with constant updates and advice and both Carrie and Kirsty have met with us on several occasions outside of normal business hours which has been so appreciated. They have really made the whole process as convenient and straight forward as possible. We would be more than happy to recommend Up Loans!

    Kyra and Maurice


  • You have helped us reach our dream of owning our first family home (and amazing new car!), something everyone dreams of. You have made a very difficult and stressful process an extremely easy and smooth one. Sending an email at 9.30 at night ALWAYS receives a prompt reply, even when we tell you to go to bed! Throughout the time we have been dealing with you both, nothing is ever to much to ask and we have developed a wonderful relationship. We actually now consider you both our friends! We urge everyone we know to contact you to help them reach their goals, like we have been able to do. You have helped us get our little family off to a great start! We can't thank you enough.

    Abby and Nick

    client-assets/images/loved_up/abb1.jpg client-assets/images/loved_up/abb2.jpg

  • From the very first response from Up Loans I knew I had made the best decision in entrusting Kirsty to find the best offer to refinance as well as assist us with our new project. Kirsty made the process so much easier and saved me so much time and was always prompt in responding to emails at any time of the day, not to mention the money we have saved thanks to Up Loans. It is not often you come across such wonderful service and expertise, I will certainly be calling Up Loans for any future needs, not to mention highly recommending their services.

    Gaylene and Ted

  • Dear Kirsty, I can only try to put into words how grateful Marcus and I are for the support and assistance you and UpLoans provided us in the renegotiation of our home loan. Your customer service and attention to detail was exceptional. We always found that you were available to answer any questions and keep us updated on the progress of our situation. It felt like we were your most important clients. We have told our friends and family what a great experience we had with you, and have given your business details to a number of people who we know are seeking advice. We eagerly recommend you to anyone wondering whether they are getting the most out of their mortgage, or those hoping to find a few extra dollars.

    Emma & Marcus

    client-assets/images/loved_up/testimonial 1.jpg client-assets/images/loved_up/testimonial 2.jpg

  • From the first moment we touched base with Kirsty she was attentive and proactive in every way to help us purchase our second investment property. She brought so much experience and wisdom into each conversation, with our comfort and satisfaction her top priority. If I ever needed something to be explained, she would happily do so 3 or 4 times, until I fully understood - each time with patience and respect. We would never have gotten through this process without her guidance and support, and are blown away by the lengths she was willing to go to on our behalf.

    Josh & Claire

  • Working with Kirsty Dunphey of Up Loans was a great experience. Not only did Kirsty keep me informed regularly, but she also went that "extra mile" to get a positive outcome for me. I would have no hesitation in recommending Kirsty as her knowledge and professionalism is first class.


  • Up Loans made purchasing my first home a breeze from start to finish. They kept me updated every step of the way and went above and beyond to make it all happen. Carrie was a champion getting the ball rolling and after going on maternity leave I didn’t once doubt being left in the hands of Kirsty! I definitely won’t hesitate to use Up Loans again and am continuing to recommend the girls to friends!


  • We were SO happy with the service! You made everything very easy for us, and went above and beyond what we expected, thank you so much. If we had of realised how easy you would make the process (and how much money you would save us) we would have done it much sooner!

    Tracy & Jules

  • Since my initial meeting with Kirsty, my husband and I have been overwhelmed by the dedication that Kirsty puts into her work. Her customer service really is unparalleled. From the late night emails to the early morning updates, Kirsty made the entire process of purchasing a property hassle free. I have never experienced such sincere service as Kirsty really did go above and beyond in order to make our dream a reality. While larger lenders made the process daunting and almost unachievable, Kirsty didn’t rest until she had obtained the best possible outcome for us. I highly recommend her to anyone looking at purchasing a new property or even re-financing.


  • My experience with your service was really great. Buying a house and organising finance is something I try to avoid at all costs. I find it extremely stressful and honestly lose sleep over it. With your help the stress was taken away. You listened carefully and provided excellent advice and with your encouraging way helped me find the ideal financial set up. You continued to stay in touch promoting with all the necessary details of what to do next. I found the whole process stress free and nowhere near as terrifying as I had imagined. I have let my friends know how great my experience was. I am certain that in the future my family and I will indeed call upon your help again.


  • Thank you is not enough for all the hard work you did for us, the constant updates, and your 'nothing is a problem' attitude, which saw us secure our dream holiday home. I have absolutely no hesitation in recommending you to all my clients because I know they will be as thrilled by your compassion, drive and commitment as I have been.

    Katrina Coleman - One Agency

    client-assets/images/loved_up/Katrina Coleman.jpg client-assets/images/loved_up/one-agency-logo-print.png

  • Thank you Kirsty and Carrie. We really appreciated all of your help along the way. Your advice and professionalism was fantastic and made us feel very relaxed about the whole process. We have already referred you to some of our friends and look forward to referring more in the future. Thank you for everything.

    Jane and Brett

  • Thanks so much to Kirsty at Up Loans for helping us re-finance to renovate our kitchen. The process could not have been easier with Kirsty guiding us through all options to find one that suited us best! We love our new home loan set up & of course we love our new kitchen!


  • I am very grateful to Kirsty Dunphey from Up Loans who was able to organise finances within a short space of time when my own financial institution whom I had a mortgage with for many years pulled out of an Auction after I had successfully bid on the house. Kirsty worked tirelessly to not only ensure that I kept my new house, but also was able to get the best interest rate to refinance my existing mortgage. I would not be in the ideal situation that I am currently in if it were not for Kirsty Dunphey! As part of Kirsty’s ongoing support, she is now trying to assist me to finance an extension. I don’t know what I would do without her. Thanks again Kirsty.


  • Back in April 2015 my wife & I used the services of Kirsty and Up Loans with amazing success, it was so easy and Kirsty got us a great result in very tight timelines with minimal fuss, paperwork and her attention to detail is unbelievable. We were so impressed with the previous dealings, not only have we recommended Kirsty and Up Loans to various friends and family we have recently engaged Kirsty again and we have been equally impressed. What amazes us most is her work ethic in relation to prompt responses to emails, attention to detail, nothing is too hard and they certainly aren’t a 9-5 business with regular communications after hours if that’s what’s required. Thank you Kirsty & Up Loans!


  • We cannot thank you enough Kirsty! You were super fast, super efficient and super flexible. With an extremely tight deadline to work with (not to mention the fact that we were interstate), you went above and beyond and you were literally the difference between us securing our dream property and missing out completely! We had dealt with other mortgage brokers before but never felt part of the process, constantly awaiting for responses to our queries and having no idea where we stood. You kept us promptly informed every step of the way, and made the whole process completely stress-free. Oh, and you also secured an awesome home loan for us that suits us perfectly! There is no doubt that we will be using your services again in the future and we continue to sing your praises to anyone who will listen!

    Jess, Josh & Violet

  • Thank you so much for getting us our dream shack!

    Shane and Megan


  • I would like to thank you and your team for all of the effort that you have put in ensuring that we could purchase the house we wanted to and secure the best financial product we could have. As you know our first offer from the bank was ridiculous with the interest rate and you fought to have a better offer for us which you managed to do and at the same time obtain an even better offer with a different bank. From the start your guidance has been excellent and you listened to how I wanted to structure the finances and you gave me what I wanted and I did not have to settle for second best or this is all you are going to get. Now I can enjoy the benefits with the family as we are living in a house and an area that we did not have to compromise on.



  • I would like to give a massive shout out to Carrie and Kirsty at Up Loans for the awesome job they did in finding me the best deal when refinancing my mortgage and finding me a great deal on my mortgage insurance ensuring that I save over $150 a month. The process was simple, stress free and most importantly the service was great with Carrie making sure that I wasn’t put out. I have since recommended Up Loans to friends that have also accessed better deals through the excellent service from Carrie and Kirsty. I have no hesitation in recommending Up Loans to any perspective mortgage payer who is looking for a better deal, you will not be disappointed.


  • Our experience with Kirsty of Up Loans was great. During a very busy month for us including daughters wedding and kitchen renovations, Kirsty came to us and made buying our first rental property a breeze. She made us feel very special and took all of the stress away from us finding the best loan. We would highly recommend Up Loans for anyone needing advice and help in getting the best loan for them.

    Roy and Rosemaree

  • We had the best experience with both Josh and Kirsty. I highly recommend Up Loans because of how important they make you feel. They explained everything, kept in touch on a daily bases through the setting up of our home loan and went out of their way to get us the best deal possible. There's not a negative thing to say about them!


  • Not sure where to start really! Up Loans are fantastic! Thank you Kirsty and Josh for making it so incredibly easy. Recommending to everyone we come in contact with. Great work and great communication. Thanks again.

    Craig and Deb

  • Loved the fantastic communication with Kirsty through the whole process, nothing was too much of a problem!

    Susan and Paul

  • We got a car loan through Up Loans and it was hassle free, the repayments were a lot cheaper than the dealership finance and they are a great bunch of staff to deal with.


  • Can't praise these guys enough! Excellent at what they do.


  • Excellent service from Carrie right throughout our refinance! Could not recommend these guys more highly. Definitely drop them a line and see if they can save you money!


  • I can not speak highly enough of Up Loans. Carrie has been absolutely incredible to deal with and her beautiful spirit makes it all the more a pleasant experience. I will be highly recommending you to everyone I know!


  • Highly recommend Up Loans! Kirsty made our re-finance a breeze!

    Emily and Harry

  • Kirsty made the refinance of my existing loan so easy in every way. She is such a delight to deal with and I can't recommend Up Loans enough!


  • We couldn't have been happier with the service you provided for us. You took all the hard work out of getting a loan and we didn't have to do any running around which I did not have the inclination or time for. Your product knowledge and being able to answer all our queries promptly, really impressed us. Having said all that, there is one major quality that really stood out... we never once had to wait for a reply from you. You were on the ball each and every day for each and every query and kept us constantly up to date with any news. We never once felt we were put on the back burner. You went above and beyond with your service....THANK YOU

    Nina and David

  • Words cannot express how grateful I am having you punching in my corner! Thank you for getting my loan through and never leaving my side through the whole process. Our dream of building our house has become a reality. I am looking forward to the next project you can assist with in the near future. Thank you for all your help. You are and were awesome!

    Tarsi & Jason

  • You were amazingly helpful and I don't think you guys need to do anything to change. Keep doing what you're doing.


  • You are so incredibly obliging visiting us at home, and making all the necessary paperwork so easy for us. If we had known about you prior to this, you would have met us much sooner! You made the whole process very easy for us (bless you.) Did you look after us? ADMIRABLY. Did you provide you with the service you'd hoped I would? OVER AND ABOVE. We are also very grateful for your recommendations re: the conveyancing, and with the rental management. All in all a great experience. We have told anyone who cares to listen about you and your wonderful skills and services; I hope it pays some dividends to you at some point.

    Linda & Nigel

  • I know I speak on behalf of us all when I say how amazing I think your service is/was for us. The tireless communication and updates kept us going when we thought we were going to end up in the 'too hard' basket. You also assisted with improving my individual loan rate which was awesome! I honestly cannot give you any advice on how to improve, if you keep providing the same level of service and replicating what you did for us your business will thrive. Word of mouth is invaluable and I hope you get some ongoing business from us putting your name forward as we undoubtedly will and already have. I hope we have another venture so we can meet again!


  • Thankyou so much for your help over this loan. You were a great support, especially as this was our first investment. You made things easy to understand, and helped us straight away with any questions or queries. You made this journey very enjoyable! Thankyou again.

    Summer & Melody

  • I just wanted to say thank you so much for your help and advice along the way while working on our Home Loan. You made everything so easy for us, living out of major city centers, to provide you with everything you needed to get our Home Loan moving. With both of us working full time and at least 2 hours from either Launceston or Hobart, it was such a relief and a stress free experience to be able to communicate by email and phone, and not have to take time out of work to make it into town to visit banks or other brokers. I don't know of many other companies that would offer this service, let alone in Tassie! Our case probably wasn't the easiest you have worked on, but we were thankful for your determination and support throughout the whole process. You kept us assured at every road block and made us feel hopeful at all times that the end was just on the horizon and we are so thankful for that also. It was an absolute pleasure to work with you and I have no hesitation to recommend you to any of my friends or family in the future as I know they too will be in safe hands.

    Jenna & Ben

  • We did enjoy working with you and look forward to doing so again in the future. In particular I appreciated the quick responses, keeping us in touch all the way through and the follow up to sort out the hiccups afterwards (not to mention your ready smile and sense of humour!).

    Helen & Doug

  • From the minute we contacted Kirsty, she 'had our backs'. The bank had told us one thing, and then turned around and told us the opposite. We were gutted. But you could instantly see Kirsty's brain start ticking and she kicked in to gear. Up Loans had only just hatched and she took us on. To say we were a challenge, is an understatement. She kept us up to date, put up with our annoyance, whenever things didn't go our way and in the end came to us with options! She managed to get us a deal, so much better then we would have been able to get, had we approached the bank our selves. She goes the extra mile even now the house has settled and we've been in for 4 months! We regularly get emails about interest rate changes, birthday messages and bits of advice for our investment loan. I couldn't recommend Up Loans more. You have a company run by girls who are passionate about what they are doing and it shows, by how successful they've been. Congrats Ladies. Here's to many years of helping people find their homes!


  • Kirsty, you’ve done a sterling job and I’ve recommended your services to a few people and will continue to do so. Your prompt response and can do attitude was fantastic. Your services have exceeded my expectations, you are inspirational!


  • Rose and I have genuinely received the most outstanding service from Kirsty at Up Loans. We only wish you provided Up Legal, Up Insurance and Up Banking to truly make our lives easier! We have, and will continue to, recommend your excellent service.


  • You did an amazing job for us and we have been singing your praise high and low to any that would listen to us. I have never used a broker before and always dealt direct with one of the big 4. After such a positive experience working with you, I will definitely use you again. I don't believe you could have done anything better for us. You communication and updates and assurances at any time of the day or night were well received and provided comfort when it could have been stressful. Thank you!


  • I felt as though we were looked after very well. The communication was absolutely brilliant, very prompt and you always seemed eager to answer anything we put forward. We both felt very confident in your ability at all times and it appeared to us that your knowledge in this area is astounding. You have been a pleasure to deal with, your attitude was always upbeat, energetic and solution focused. Even though the process was quite stressful we are both glad we had you in our corner. Yes we've been telling all our friends. Thank you once again.

    Brett & Cindy

  • Cannot begin to express my deepest appreciation for the service and assistance Kirsty and the team at Up Loans provided me! The daunting task of buying my first investment property was exceptionally simplistic and trouble-free due to Kirsty’s indubitable professionalism, knowledge of the industry and relentless desire to exceed client’s expectations. For many novices, such as myself, the process of purchasing a house can be somewhat overwhelming but with Kirsty’s help, the entire process was a complete breeze! Her boundless communication and willingness to articulate each step of the journey was nothing short of an absolute blessing. I have already began to recommend Kirsty to everyone I know and can assure can them, plus anyone else, they will not find a more genuine and authentic person to do business with!


  • Wow what an amazing experience I've just had with Rob & Kirsty. Throughout the entire process from the very first call through to the exact time of settlement, we have been kept up to date, which has kept us relaxed through a normally stressful time. Thanks again for your support and help team Up Loans.


  • We really appreciated how well you took care of us and how you helped us in a speedy and professional manner. Any questions we had you were quick and honest in your response. We also really loved the personal touches, like checking in on us and sending us a card when we moved in! Kirsty, thank you for all your help and for the effort you put into finding us a plan that worked for us.

    Katie & Andy

  • Up Loans has been amazing to deal with, going above and beyond. If it wasn't for you guys I would have been doing & signing things without really understanding what was happening. You have made the experience stress free and smooth sailing. I will 100% be recommending Up Loans to anyone & everyone!


  • You guys have been fantastic! After being initially told we couldn't afford an investment property by the bank, you came and saw us and had an honest and open chat what our options were. You kept us informed and up to date at all times and we were never left wondering what was going on. Once our preapproval was through you provided further services we wouldn't have expected by passing on our details and what we were looking for direct to local real estate agents along with providing second opinions on anything we were interested in. Once we found our investment property you did all the hard work and stressful dealings with the bank and before we knew it everything was signed, sealed and delivered. Again you provided us with further referrals and advice in relation to managing our investment property which made the whole process so much less daunting for us and we are now happy investment property owners without having to have gone through any of the stress and hassles of dealing with banks and unknown property managers. I will not hesitate to recommend your services to anyone and you will be first on our list when we decide to make any further property investment/ changes. Above all the best thing was your willingness to come to us and at a time that suited us, and our kids running a muck didn't bother you. Thank you again for the amazing service you provide.

    Danni & Sam

  • I would highly recommend Kirsty to anyone! Me and my partner would not of been able to get through the stress of buying our first house if it wasn't for her and her amazing work, she didn't stop until she got the best for us, she put up with all our annoying questions and was happy to answer them at anytime, we bought our house almost a year ago and without a doubt she is always checking in on how things are going and if we have any questions! I will definitely be going through her when we are ready to purchase our next home!

    Rebekah and Ben

  • Words cannot express how grateful I am having you punching in my corner! Thank you for getting my loan through and never leaving my side through the whole process. Our dream of building our house has become a reality. I am looking forward to the next project you can assist with in the near future. Thank you for all your help. You are and were awesome! Thanks in advance, we so appreciate it!

    Tarsi and Jason

  • Kirsty was recommended by a friend. What a fabulous recommendation, from the first phone call I was blown away with Kirsty's quick & efficient communication. But most importantly we refinanced our home loans & saved some $$$. Thanks again Kirsty!

    Kate and Sam

  • These ladies are truly amazing at what they do!! An absolute pleasure to deal with and make a stressful time a pleasure!


  • Highly recommend Kirsty from up loans! Nothing to fault :)


  • Carrie & Kirsty are amazing and go above and beyond! I went direct to a bank only to be rejected but luckily I found Carrie who was more than willing to help!


  • Thank you so much to Josh & Kirsty who helped my husband & I purchase our first block of land. Everything throughout the whole process was explained clearly, the response time was impeccable & we had no stress at all. We are looking forward to dealing with Up Loans again in the future!


  • Carrie was absolutely amazing! It was a pleasure to buy our first home with her assistance. She is so knowledgeable and willing to look at all options. I would highly recommend the Up Loans team!


  • Carrie at Up Loans was absolutely key in my Husband and I purchasing our new home. We had found ourselves in a risky financial situation and Carrie helped us from the beginning, before we had sold our last home and answered all of our questions throughout the whole process. I can confidently say we wouldn't be in our new place without the help of Carrie in finding us the right loan at a great rate. Cannot recommend her highly enough - she was great!


  • Cannot recommend Carrie from Up Loans highly enough!! I had been thinking about looking into loans to get the ball rolling but it all seemed so daunting. Luckily I was speaking to a friend about what to do - she gave me Carrie's details and said she would be able to help me out and she wasn't wrong! Absolutely amazing at all aspects of her job, I never had to stress about anything for long as she handled everything ultra quickly and professionally! She is so friendly and nothing is ever a problem, she helps with everything as much as she possibly can. Five stars all round!


  • My partner and I have been dealing with Up Loans to purchase our first home! Carrie has been nothing but helpful and most importantly informative, she has made sure we understand everything that is happening and what is going on, and has been so helpful at exploring all options for us to find what will best suit us in the purchase of our first property. Not to mention she is so easy to contact and will always reply to my late night emails!! Really going above and beyond for her clients!! My partner and I will be recommending Up Loans to everyone, excellent personable service for a Mortgage broking firm!


  • Kirsty was absolutely brilliant while setting up the loan for our house. Georgia and I had no idea what we were in for when it came to buying a house. Kirsty may actually be some kind of miracle worker??? She was able to keep us calm in stressful situations and talk to us as though the incomprehensible mountains of paperwork and numerous hurdles that come with buying a home. Thanks so much Kirsty and Up Loans.


  • I can't thank Kirsty and the team at Up Loans enough for going above and beyond to get us our first home together!! We are so grateful for the effort you put in and all the questions you answered at all hours! You are fantastic at what you do and we couldn't have done it without you! Thank you so so much!!!


  • Craig and I cannot thank you enough for your wonderful help with refinancing our mortgage. You were so efficient and quick in pulling together options for us and we really appreciate it. You were amazing in dealing with all the queries and making sure we had everything organised for a successful application. And Rob was great as well with sorting out our settlement and getting it to all happen so quickly. Thank you so much for your help. It was wonderful dealing with someone so lovely.


  • Wonderful Carrie, we thank you from the bottom of our hearts.. we literally couldn't have done it without you. You guided us through the process so gently and explained every step of the way. Being our first time, we knew absolutely nothing about how to get a loan and your patience and constant communication made us feel so confident. You really are amazing at what you do.. Thankyou Thankyou Thankyou.


  • Carrie at Up Loans was absolutely key in my wife and I purchasing our new home. We had found ourselves in a risky financial situation and Carrie helped us from the beginning, before we had sold our last home and answered all of our questions throughout the whole process. I can confidently say we wouldn't be in our new place without the help of Carrie in finding us the right loan at a great rate. Cannot recommend her highly enough - she was great!

    Reuben Koops

  • I can’t recommend Up Loans highly enough, I had been very discouraged in obtaining finance for a home through going to banks direct and other mortgage brokers. A friend referred me to Up Loans and I was seeking preapproval for a loan as I was house hunting and thought I had plenty of time to get my finance sorted out. I had just stated the process with Carrie when I signed a contract and only had a week to obtain finance. Carrie was great even starting the process on a weekend she liaised with me through the whole process and achieved within the week which far exceeded my expectations.


  • I think you should have "Wonder Woman" as your middle name! You’ve been nothing short of amazing with organizing my successful and oh so streamlined (by you) refinancing. I shall definitely be sending people your way in the future, and no doubt I'll be back again at some stage too!!


  • Thank you and your fabulous team for the excellent service you offer. The knowledge and professional contacts you shared have made a complex process very easy. I welcome your continued support and will highly recommend your team to others in the future. Thank you for the voucher in my mailbox, though you are the one deserving of a drink! And a huge shout out to you for the news yesterday, this was so unexpected. For you to continue to work in my interests like this after the deal is done is a credit to you and testament to your work ethic and a winner for client relations.


  • Thanks for everything... happy to refer you to all my friends and sing your praises! Top job guys!


  • Up Loans you are amazing!! Brett & I have been absolutely thrilled with your service, hard work along the way and continual follow up. You made the process a very easy one that we didn't need to worry about, stepping us through it the whole way. We really appreciate you & can’t recommend you highly enough to friends, family & colleagues. Thank you Kirsty & Carrie!


  • I couldn't recommend Carrie and Up Loans enough. Carrie made the whole process so easy and straight forward. The best in the business!


  • I cannot thank Kirsty from Up Loans enough for absolutely everything she did for me when assisting me to buy my first house. I could NOT have done it without her. And I don't say that lightly. From the very beginning, it was never more than a few hours to ever get replies from Kirsty, even on weekends! It felt like she would always be there when I needed to ask questions that probably sounded so silly, but she even made me feel okay to ask those kind of questions! Even now, she checks on me to make sure everything is going okay and she is just so sweet! I know it is her job, but I am just super grateful and will always remember how easy you made it seem! Even when banks were being stubborn! It was stressful, of course, but 80% less stressful with Kirsty on my side! Thank you, thank you, thank you :)


  • I want to buy more houses just so I can deal with Carrie Twine! I've had the pleasure of working with Carrie on a recent land purchase, and now a construction loan. She's worked hard to get us the best deal (I thought I was good), been a great communicator, and been very thorough right through. I've recommended her to 3 others (something I'm usually very reluctant to do) who have all had a similar experience. I'd give 6 stars if I could, thanks Carrie!


  • Kirsty and her team did a great job, with excellent communication and service. They followed up the bank and made sure I knew what was happening at all times. Whilst I was getting a bit flustered, they were not! I am happy to recommend Up Loans to those looking for a housing loan. Thanks again


  • Kirsty and Carrie are fabulous communicators. They go above and beyond expectations in delivering excellent customer service. Contactable, professional and friendly. Would definitely recommend and use their services again.


  • Up Loans made getting finance painless. The team made the process personable, easy to understand and worked around times that suited me. I would highly recommend using them the next time you are after a home loan.


  • Thanks for all your help with the (latest) purchase. As always you have gone above and beyond to help and we wouldn't have the properties we have or be in the position we are without the help from you or the Up Loans team. Once again thanks.

    John & Dearne

  • Lucy and I have been delighted with your prompt and professional service. We think you did a wonderful job, I couldn’t fault your professionalism and efficiency. We are very pleased with the service and will not hesitate to recommend you to anyone.

    George and Lucy

  • Kirsty, as I have said before, you are one of the most amazingly, incredibly dedicated people that I have ever met and I will always advocate, promote and support you whenever possible.


  • Kirsty, you should be very proud of the great service you provide. Thank you for spending the time to sort out our individual requirements. I was very impressed with the effort you went to when organising an appointment for me at the bank to sort this out - especially as you were overseas at the time. True dedication! I certainly will be recommending your business to others.

    Janette and Roger

  • Just wanted to say a quick thank you to you both for helping Alice and I through the entire process and going out of your way to ensure we secured our loan approval. You have made the process from start to finish a real breeze and you have both been a pleasure to deal with. Your service is very prompt and you have always provided us with all the necessary information to make a sound decision and answered all our questions. We would highly recommend your services to our family and friends and I hope that we can do business again another day.

    Logan & Alice

  • Couldn't recommend Kirsty higher as first home buyers, new to the market and in need of some extra assistance. She talks you through the process and gives you all the facts you need to make the right decision for you!


  • We're so very appreciative of the awesome work that Kirsty and Rob from Up Loans did on our behalf recently in securing such a great home loan deal for us. Kirsty has been absolutely tremendous answering a multitude of questions over many, many months until we were ready. Always unfailingly professional, prompt, friendly and approachable. We would highly recommend the services of Kirsty and her team. Thank you again!


  • OMG Carrie at Up Loans is absolutely the best. Her support, expertise, and tireless work, finally resulted in us getting the green light on a block of land after a 10 month crusade. I cannot recommend Carrie more strongly. She is not only brilliant professionally, but is so lovely to deal. Thank you so much Carrie. You actually made our dreams come true. Highly highly recommend!


  • I can't more highly recommend Kirsty and the team from Up Loans, they make the process of getting a home loan very simple and have excellent communication.


  • Carrie and the team at Up Loans made the refinance of our mortgage an absolute dream. We were on a pretty tight time frame, but the team made everything happen so quickly! We felt well informed the whole way through and cannot thank Carrie and Rob enough for all their hard work to get us a MUCH improved mortgage deal. Would recommend this service to anybody who needs a loan- or to rethink their current loans!


  • All these 5 star reviews can't be wrong! Excellent service that is quite literally around the clock. The team here work incredibly hard and are very good at what they do. Thanks again for all your help


  • Carrie you are awesome. The whole process from start to finish was effortless and you kept me up-to-date at every step. We have now been able to take the big leap of becoming a business owner.


  • Up Loans is beyond amazing! Kirsty is an absolute super star, she goes way above and beyond the call of duty. We are so thankful for everything Kirsty has done for us over the years. Have absolutely no hesitation recommending Up Loans to anyone and everyone xxx


  • I cannot thank Carrie enough. I bought our house unconditionally with a 30 day settlement, and casually met Carrie who whipped into gear and my loan signed, sealed and delivered in 3 days! Unheard of apparently! She made a complex, time consuming process easy. She knows her products and gave invaluable advice on the best product for our circumstances. She took us through the complicated, often daunting maze of financial institutions and loans on offer, and sent us in the right direction. I would suggest to anyone needing a home loan to contact Carrie.


  • 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!


  • Kirsty and Rob were extremely helpful with helping us finance our loans while we are living overseas. There were a number of difficulties that we had to overcome, and without Kirsty and Rob’s help we would not have secured the loan. Would totally recommend Up Loans!


  • Would highly recommend Up Loans, Kirsty was so helpful and always there to answer all my questions.


  • Kirsty is just amazing! She's funny, professional, and great with little people that need to come along to big people meetings. She's great at impersonating dinosaurs. But most of all she was amazing at helping make the finance side of our new home so easy!! Thank you once again for helping make our dream come true!!


  • Cannot recommend Carrie highly enough. She made what can often be stressful into a super easy and stress-free experience. She was never bothered to be hassled at random times with silly questions. Her support and guidance was the reason we were able to purchase our first home in a challenging multi-offer situation! The only thing that disappointed me about Carrie was that she couldn’t be my insurance broker, financial advisor and go-to person for all other aspects of my life!! Thanks so much Carrie and the team at Up Loans!!


  • When my partner Sarah and I decided we wanted to build our first home almost 2 years ago, we had absolutely no idea what we were getting ourselves into, or even where to start. Luckily, Sarah's work mate had gone through a broker by the name of Carrie from Up Loans, and so eagerly recommended her! I contacted her with our plans, and with a quick response detailing everything we initially needed to know (Including best loan offers at the time etc.), Carrie found herself dealing with someone (myself) that needed to know EVERY minor detail and needed to know ALL the ins and outs of our loan. After countless questions, countless phone calls, countless bank trips, countless signatures and countless emails (Mostly from me) Carrie stood strong and still delivered concise and extremely easy to understand information that I could feel at ease with. So good, in fact, I could probably walk someone through their first loan! (Unless I had to deal with myself, of course). Almost 2 years down the track, we have purchased our land, and our home is almost built. Carrie has been nothing short of fantastic, and would definitely recommend her to anyone looking for a broker.

    Shannen & Sarah

  • We could not have been happier with the service we received from Carrie. Right from the first initial phone call she went out of her way to find the right loan for us. I recommend Up Loans to everyone.


  • Carrie always goes the extra mile to find the best solution. She is passionate and professional, I would recommend her every time!


  • Kirsty is an absolute winner her customer service is outstanding.


  • I can’t praise Kirsty enough for the great effort in making the impossible possible. I wanted to downsize from a big older home and huge gardens which were becoming beyond me and after searching for almost 5 years for something suitable at a price affordable to a retired pensioner I found my dream unit. This amazing lady found finance for me and helped with advice along the way so I am so grateful and would recommend Up Loans to anyone they are the best.


  • We’ve worked with Kirsty for a while now and would recommend her to anyone! When it comes to your loans and finance you need someone who’s proactive and that’s what we like about Kirsty and the team!


  • Kirsty Dunphey is a superstar. She is kind, efficient, tenacious and always happy with a smile! There is no question that she doesn't have an answer to. She made the hugely stressful process of applying for a mortgage a whole lot easier for my family. The sound advice she gave us 10 months ago has given us the chance to buy our dream home. Any hour of the day she would respond to our emails and calm us down. We can't speak highly enough of the service we received from Kirsty and would highly highly recommend her to anybody. We thank her for her time over the 12 month period that the whole process took. Anybody who needs finance pick up the phone and call this lady NOW.

    Andrew & Shai

  • Carrie has been so awesome to both myself & Jacinta and made the process so easy for us. I am constantly telling anybody looking for a mortgage or refinancing to give Carrie a call


  • Carrie and the team at Up Loans made my dreams become a reality! Cannot recommend them enough. Forever thankful for all their hard work and effort.


  • Carrie Twine was amazing. Her service was absolutely flawless. I highly recommend her.


  • I am so so grateful that I found Carrie at Up Loans, I was facing a difficult situation and needed a home loan in super speed time as to not be homeless, it was down to the wire but not only did she manage to get it done ridiculously fast it was also an amazing deal and I am forever grateful for all her hard work! She literally worked around the clock to get it done and really knows her stuff when it comes to the different banks, I highly recommend Carrie, and Up Loans to everyone now!


  • If you want an honest broker who responds immediately with information or queries and will go to the mat for you 110% each and every day (even whilst she is on holiday), then call Kirsty or Carrie at Up Loans immediately! The team will follow through and follow up on every detail from cradle to grave. We are indebted for the rest of our natural lives to Kirsty. Words cannot thank her enough. Five stars are not enough - how about 50!!!

    The Wagners

  • Carrie and Up Loans have been amazing helping us to re finance and get us in the best position to buy our next property. I never understood the process and thought it was a nightmare to change banks but that couldn't be further from reality. Carrie made everything so simple and made sure we understood absolutely everything about our different options. Carrie thank you for always being so patient and going above and beyond for us!

    Saan and Daniel

  • 5 stars from me! Great service, attention to detail, communication. You are an absolute legend and I am very happy to refer you to anyone looking to take out a loan or refinance.


  • Steven and I were so thankful for the assistance and advice you gave to us. Given that neither of us had any experience in selling and purchasing we basically had no idea what we were doing! You helped make a quite stressful time in our life much less so. You were always available and always happy to answer any of our enquiries. We would not hesitate to recommend you to family and friends. Once again, we thank you for all you did to help.

    Kaye & Steven

  • We were very happy with Carrie, she was thorough, responsive and no problem was too difficult to handle. We were kept in the loop at all times and felt that Carrie was out there to help us as a customer get the best deal possible suitable to our situation. Carrie made the whole process quick, comfortable and easy, we would use Carrie again as our broker and strongly recommend her to anyone we can.


  • Thank you for the opportunity to tell you what a terrific job Carrie did at transitioning my loans. The process for my simple little financially untrained brain seemed somewhat overwhelming! But Carrie was there each step and talked me through what had to be done. Her support and clear instruction was marvellous! I am thrilled to have been able to resource a local service and bank. In doing this I now have a loan that I better understand and access. This is something that makes me feel good about the money I am investing into my home.


  • We have already told many people about your business and the fact you were able to help when the bank couldn't. From our point of view, you just took charge and we had very little to do. This was invaluable at a time when we were feeling very dispirited. We were also wondering how the heck we could get this over the line whilst being away for most of March. We are very grateful for your efforts and won't hesitate to recommend your business. This was far more than just a block of land. This is our dream future and it means a lot to us both.

    Celia & Dave

  • Our experience with Up Loans was all positive. Carrie was amazing and her wisdom, knowledge and support to get us a much better deal with our new bank far exceeded our expectations. Our new bank is awesome and I still can’t believe the new rate we secured...well Up Loans negotiated for us. I have already recommended Up Loans to some of my friends and work colleagues and will continue to do so moving forward. Thanks to Up Loans and to Carrie. I couldn’t be more complimentary of Carrie. She’s amazing but I’m sure all you guys are!


  • We were excited to go into this project of building the home we would raise our kids in. And after finishing it was all worth it. Building takes a lot of time in preparation and during the process. Up Loans were absolutely incredible guiding us through the process. We can’t recommend them highly enough. Thank you Up Loans!


  • All we can say is Carrie is amazing!! We would have been completely lost without her and she went above and beyond to get our loan approved and provided us with the best possible customer service! We owe her everything and couldn’t thank her enough! Thank you to everyone for everything they have done.

    Caitlin &Troy

  • We have purchased 11 houses over the years, spread over multiple countries and the service received from Up Loans is by far the best. Customer first all the way. Friendly to deal with. Listens to what you want to achieve and suggests the best possible way to make it happen. Quick to respond with easy to understand answers should you have any as you are kept up to date with all progress of your loan. Thank you Up Loans


  • Carrie is amazing! So friendly and helped us through every step. Can’t recommend these guys enough!


  • Thank you so much to Kirsty and the team, for going above and beyond getting us our loan. We are self-employed cafe owners, so almost impossible to get a loan through any of the banks. I also needed a quick car loan after my mum wrote off my car at Christmas. I contacted Kirsty who put me in touch with Toby at Urban loans. The service and commitment of all the team is incredible.

    Simone Seven Monks Café

  • Had the smoothest and most enjoyable experience with the team at Up Loans. I had no idea what to expect as I was purchasing my first property, but Kirsty kept me informed every step of the way, considered my own position and goals, and ensured all my questions were answered. 10/10, would highly recommend Up Loans to anyone wanting to purchase their 1st or 10th property, refinance, or simply a review of their current mortgage arrangements.


  • I can’t recommend Carrie from Up Loans more highly. She patiently dealt with me for over 18 months as I navigated through a difficult personal and financial situation and made an effort to keep me informed at every step of the way. Thank you Carrie, from the bottom of my heart, for helping me to achieve my goal for Thomas and I with our family home


  • Highly recommend Carrie from Up Loans. She was so helpful and friendly. From beginning to end she was approachable and accommodating. Running figures and keeping us updated along the way.


  • Carrie was lovely and extremely helpful. The whole process was quick and seamless and I couldn't recommend her more highly!


  • Always getting the best deal in fastest time -impressive ongoing service too


  • Kirsty and her team were amazing. Kirsty was available after hours to chat with, fast to respond to emails and knew the ins and outs of all the banks which meant she could recommend the best approach for us to take. I couldn’t recommend Up Loans enough.


  • My husband and I were so amazed at just how personable Kirsty made our experience with Up Loans. It went as far as her remembering my birthday which I struggle to do at the best of times. We found the whole procedure to be a thoroughly positive one and was extremely smooth sailing. Cannot recommend highly enough.


  • A massive thank you to Carrie! She did an excellent job in assisting my partner and I to find the best home loan for us. I would recommend Carrie and her team to everyone!


  • My partner and I had the absolute pleasure of having Carrie from Up Loans recommended to us from a family member and we will be forever grateful for the long, hard hours she put into helping us secure our first home. We had our heart set on a property that was from an estate sale and with that came 5 months of a lot of difficulty with contracts, a lengthy probate period and a lot of back and forth between lawyers. Carrie was with us from the start and was our absolute number 1 supporter in this time and she went through all of the emotions with us and made the experience not only personal but worth it. We often found Carrie going outside of her primary role as our broker to advocate on our behalf and push for us when we couldn’t ourselves. No matter where Carrie was, whether it was at work, at home or enjoying a wine on the water she would call and update us at any sign of good news. We are heading back to Carrie for the next stage of our journey with funding for future renovations and without a doubt our future investments. You are an absolute gem Carrie and we are so glad we found you and we will happily continue to recommend you to anyone that will listen to our experience. Thank you!


  • The amazing team at Up Loans were so helpful, kind and supportive. They are transparent in their practice, authentic and professional. Highly recommended!


  • We had the best experience with Carrie at Up Loans! We were first time buyers and had absolutely no idea what we were doing and Carrie made it so simple. She answered all our questions, even ones which may have been stupid. She took the time to explain everything which was very much appreciated! We look forward to future business with Carrie!


  • I couldn't recommend Kirsty enough. Such a lovely person, easy to talk to and explains things in a basic yet non condescending manner. Her professionalism is first class. I will continue to use Kirsty and her team in the future.


  • Kirsty and her team were more than exceptional on how they helped me out with the process of purchasing my first home; from keeping me up to date the whole way and making sure I knew the process, fixing little hiccups along the way efficiently and professionally, and even the personal touch of sending me a congratulations video once everything had gone through for my purchase. I couldn’t have asked for a better team to handle the purchase of my home and highly recommend Kirsty and the team to anyone looking to purchase!


  • Carrie was fantastic to deal with. She looked after me every step of the way and saved me an entire percent on my home loan by refinancing. I couldn’t have done any of that without her! A friend from work recommended Carrie and Up Loans and I am so glad that I called up and refinanced with her. She answered all my questions and took me through it step by step. Very very happy with the service from Carrie at Up Loans and would recommend her to everyone!


  • Kirsty has been absolutely outstanding from the very beginning of us contacting her about obtaining finance for our construction loan. She is professional, knowledgeable, friendly, and most of all passionate about what she does. Kirsty promptly gets back to us with our queries, no matter how small they are. We have been so impressed with Kirsty's service that we've already put her in contact with good friends and family, and will continue to do so. Thank you for making our lives so much easier...I would never choose to deal with a bank directly again!


  • We will tell anyone who will listen about our great experience with Up Loans! We had never built a home before and Kirsty, Carrie, Bel and team were so helpful and kind. They were always prompt with communication, and answered all of our questions with patience and understanding. They were there to help us during every progress payment to make sure all was going smoothly on the finance end. We appreciated being cared for instead of being treated as a number. Having walked a bit of our journey with us, we can sincerely say that they shared in our happiness on document signing day. We know we can still call on Up Loans should we need any more help with our current loan, and we won’t hesitate to use them if we decide to build again. Love you all heaps!!

    Hannah & Ricky.

  • If you are looking to use a mortgage broker for your finance needs don't look past Up Loans. Having previously used mortgage brokers for finance, the friendly, personal and knowledgeable service that the team at Up Loans provide is unbeatable. If you don't speak finance, they make the jargon and stress of crunching numbers look like a breeze and easily understandable for the client. They work hard for your finance needs and ensure that you feel you are an important Up Loans client throughout the whole process. Their care and attention paid to their clients after initial finance is sorted and throughout the duration of your loans, renewing and refinancing is to be commended. I cannot recommend them highly enough.


  • We can’t speak highly enough of Carrie and how amazing she was throughout our entire experience! She was so helpful and efficient she made the whole process so effortless for us, which was incredible since we had no idea what we were doing. We are more than happily recommending Carrie and Up Loans! We’d like to thank Carrie and the whole team one more time! We are so glad she was recommended to us.

    Brie & Jake

  • I would highly recommend Up Loans to anyone. Carrie was amazing to work with, my second home was a breeze to sort out with very little issues thanks to all her hard work! Thanks for everything!!!!


  • Amazing service at any time of the day (and night)! Kirsty is always prompt, friendly and happy to answer any question no matter how simple or silly. Could not fault and highly recommended.


  • Ash and I had the best experience dealing with Kirsty and her team. We definitely presented a lot of obstacles with finance and also other aspects. Kirsty was really helpful and patient with us (as we initially went to her over a couple of years ago), to finally helping us secure the finance for our dream home (June this year). She is so much more than a broker, she is someone you let into your lives and feel like she is part of the family. We cannot thank Kirsty and her team at Up Loans enough, and would highly recommend her to anyone else looking at help securing their dream home, investment or first home through a broker.


  • Kirsty and her Team were fantastic, we had a very difficult process with plenty of obstacles but they were overcome with patience and professionalism and we got the result in the end. Thanks Up Loans Team!


  • Carrie from Up Loans was great-Friendly, professional, and efficient! I've been recommending her to all my friends who are looking to buy a home. Could not have asked for more.


  • Kirsty was an amazing help with securing a better rate on my existing loan. Highly recommended.


  • We will tell anyone who will listen about our great experience with Up Loans! We had never built a home before and Kirsty, Carrie, Bel and team were so helpful and kind. They were always prompt with communication, and answered all of our questions with patience and understanding. They were there to help us during every progress payment to make sure all was going smoothly on the finance end. We appreciated being cared for instead of being treated as a number. Having walked a bit of our journey with us, we can sincerely say that they shared in our happiness on document signing day. We know we can still call on Up Loans should we need any more help with our current loan, and we won’t hesitate to use them if we decide to build again. Love you all heaps!!


  • You will not go wrong with Kirsty. She has sorted me a few times. She and her small team are dynamite! Highly recommend, they will sort you from A - Z


  • I had a great experience with Kirsty and her team at Up Loans! I had a fairly complicated situation & finding finance as a first home buyer was going to be complicated! Kirsty’s professionalism & expertise meant that I found a borrower, got a great interest rate that matched my circumstances & now I am a first home owner with continued support from Kirsty & her team at Up Loans! I couldn’t recommend the Up Loans team more highly to a first home buyer!!!


  • Haven’t been talking long but already answered so many questions. Really helpful and full of advice. Quick to help start the long journey, no waiting at all. So happy we have come across Up Loans!


  • We cannot recommend Kirsty and the amazing team at Up Loans highly enough!!! Both my husband and I are self-employed and this has been a problem numerous times for us with lenders in the past. Kirsty kept us informed with every step of the process. I didn’t have to chase her for updates once (Which seems to be unheard of in any industry these days)!! She even kept in contact with us while our loan settled and she was on holidays overseas... literally the BEST business we’ve dealt with. We tell everyone we know!


  • Carrie was awesome to deal with! Very friendly and professional thank you so much for all that you have done for our little family!


  • My husband and I couldn't be happier with the service, support and guidance provided by Carrie at Up Loans. Carrie was incredibly patient and informative, while my husband and I spent a number of months working through the ins and outs of refinancing our home loan with a new lender. Carrie provided a clear explanation of each stage in the process, along with providing us with options. At no point in the process did we feel pressured, conversely we felt informed, respected and supported. Ultimately we have a new home loan that is saving us money, and has made an enormous difference to our family. We would recommend Up Loans to anyone!!


  • You will not find a better broker than Kirsty and her team at Up Loans. Kirsty was on our side from the moment we met and went above and beyond to find us a suitable home loan. It wasn't a straight forward process, with hoops to jump through but Kirsty made it as easy and stress free as possible! I'm convinced we would have given up if we were trying to secure finance on our own. Kirsty was available 24/7 (literally, I don't know when she sleeps!) and kept us informed every step of the way. It was an absolute pleasure to work with Kirsty to purchase our block of land and David and I cannot wait to work with her again in the New Year to build our new home!!


  • I highly recommend Kirsty and the team at Up Loans. Kirsty very quickly understood my situation and went above and beyond to get a great resolution for me. It was a weight off my mind knowing that this was all being handled for me. I had never used a broker before but found Kirsty and the team to be very patient, great communicators, personable and highly efficient. I look forward to working with the team again in the future. Thanks again!


  • This is the second time I have used Up Loans and would recommend them to anyone. The team are helpful friendly and most of all they listen to what you want to achieve. Thank you for the time and effort you have put in and the great advice.


  • My goodness - Carrie is one of the most amazing, capable and encouraging people I know! She makes dreams come true!


  • I couldn't be happier. Carrie did a fantastic job at selecting the right product for me and made the whole process quite simple and hassle free. I'll certainly be hanging onto her number for next time.


  • Kirsty and the team are absolutely fantastic. They are hardworking, dedicated to their work and made the process so easy for me. If you are needing to get finance be sure to give Up Loans a call.


  • So easy to deal with super friendly and nothing was a problem.


  • I was a very nervous first Home buyer and Carrie and the team at up loans were so supportive. Helping me step by step and answering all my questions clearly and promptly. Truly awesome.


  • Amazing! We recently contacted Kirsty after feeling a little lost. Kirsty knew exactly what we needed to do as soon as we discussed our situation. During the process of refinance Kirsty and the team were amazing, so thorough, efficient and just super nice! Our refinance went through so easily as they just knew what they were doing. They made our lives so much easier and we are very grateful!!


  • We just got approved for a home loan using Up Loans. Being knocked back is very hard to deal with, I was put onto these guys through a real estate, they helped me with my credit file and the whole experience was just like hanging out with friends, except we talked about money. I can't recommend these guys highly enough. One of the most positive experiences our family has had in a long time. Love you guys.


  • I cannot recommend Kirsty and her team highly enough! They made the process of refinancing our mortgage so easy and straight forward, with excellent communication and fantastic financial advice.