Up Loans Director
2019, 2021, 2022 & 2023 Choice Platinum Broker (2023 was the final year for this award)
2018 Young Professional of the Year (Business Excellence Awards)
2023 LMG Top 100 Female Broker Nationwide
2024 LMG Top 100 Broker
2024 LMG Number 1 TAS Broker
Existing clients: Book your annual check in with Carrie here.
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Life before Up
Carrie Twine (formerly Hesketh) worked in real estate from 2003 taking on roles in both property management, sales and business ownership. After spending a few years overseas volunteering in Vietnam in centres for disadvantaged and/or disabled children she returned home to Tasmania, not quite sure where this next chapter would take her.
In 2014 Carrie felt it was time to look for something outside of real estate to something that would both challenge her and put her outside of her comfort zone – mortgage broking seemed like the perfect next step! Not entirely different from her real estate background it has proven the perfect choice. Anyone who knows her knows that she loves a chat. Carrie is happiest in front of clients working through strategies and scenarios to get her clients to where they want to be.
Up Specialties
If there is one thing that Carrie loves to do it is to help. And when it comes down to it, that is exactly what mortgage broking is allowing her to do. Working with people as they are making big life decisions really is an honor – and helping them to find out the best way to go forward with these decisions is a real buzz.
Carrie loves to work with first home buyers. Loves it. Really. There is nothing more exciting to her than helping people get into their first home and the whoop of excitement when their finance is approved. It’s priceless.
Up there with first home buyers is her love for helping people to refinance their current mortgages to something more suited to where they are right now. Because really, how many people are in the same position now as they were when they first set up their mortgage? Whether it is freeing up some equity to do some updates around the home, or moving you to a product with an offset account so that you can save on the interest you pay, or just finding a suitable product with a lower interest rate to bring down those monthly repayments, there is so much to be gotten out of seeing people getting UP in life.
Of course Carrie can also help purchases of investment properties and construction loans and she can even help you in the purchase of your next vehicle (yes, we can help with car loans). All of it gives her a buzz.
Carrie’s Property Journey
Being a licensed property consultant and assistant property manager for many years, Carrie recognises that that buying a property, whether it is your first home or your 5th home, whether it is for your family or for an investment – can often be a nerve wracking experience.
This hit home for her when, after years in real estate on one side of the transaction, Carrie found herself on the other side of the coin – and what a different experience that was! Carrie vividly remembers buying her first home as both an overwhelming and incredibly exciting experience and saw first hand what an integral part of the process a mortgage broker can be.
Having someone to worry about all of the details for you, to sort out the paperwork, to keep you in the loop as every stage of the loan process unfolds means that you can keep your focus exactly where it should be – on imagining yourself in your new home.
Carrie has since purchased more property along the way, including her very favourite purchase – a little house not too far from the beach in beautiful Shearwater on the Northwest Coast of Tas. This means that you will often find Carrie working “from the beach” in school holidays and as much as possible over Summer.
The Future
Carrie is someone who is always looking forward to the future. From planning her next trip overseas or a fun trip away for the weekend, to working on ways to keep on ensuring Up Loans is powering full steam ahead.
In 2015 overseas trips were put on hold for a little while as Carrie and her husband welcomed a little girl into their family and again in 2019 when they welcomed a second little girl. This brought a whole new meaning to the word busy! It is so important to Carrie to have the flexibility to both work really hard and spend time with her family – but let’s be honest it is an ongoing juggle to get the work life balance in check.
Carrie is still very involved in Vietnam. She has spent 20 years working with the same children over there and now the many of the children she worked with have their own children! In 2025 she took her own two girls to visit the orphanage and to meet the grown up “kids” she worked with for all of those years.
Carrie believes in setting goals, and has a growing list of things to achieve personally and professionally. At Up Loans we are focused on service, focused on our clients, focused on getting the very best outcomes for every one who uses our services – and that’s a pretty exciting future.
Charitable Donation
Each month the Up Loans team chooses to make a charitable donation based on the number of loans written and team member contributions. Carrie chose: Vietnam
Carrie Twine is a credit representative (466521) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).