Mortgage Manager – Melbourne
With over 18 years in banking and lending, Yen brings the knowledge and expertise to help you navigate the often-complex world of home loans — whether you're buying your first home, investing, refinancing, or renovating.
About Your Mortgage Manager
Bao Yen is a well-respected name in the banking and lending industries. She has been working in the banking sector since 2007, starting as a teller and progressing through the ranks to become a loan officer in 2012.
Since she started her lending career, she quickly earned a reputation for her dedication to her customers. In 2014, she was awarded the title of "Gold Lender" by one of Australia's major banks, and in 2016 she earned the distinction of "Diamond Lender" — leading to her promotion to Executive Lender the following year.
Yen's passion for her work is evident in everything she does; she truly cares about her customers and wants to see them succeed. Her years of experience in banking have given her the knowledge and expertise to help you navigate the often-complex world of financial loans.
Why Choose a Mortgage Broker?
A mortgage broker works for you — not the banks. Here's how that makes a difference.
Compare products from a wide panel of lenders to find competitive rates and features tailored to your situation.
No need to shop around yourself. Yen does the research, negotiates with lenders, and handles the paperwork on your behalf.
Every financial situation is unique. Yen will tailor a mortgage strategy that aligns with your property goals, cash flow, and lifestyle.
From pre-approval to settlement, Yen guides you through every step, explaining the process in plain language so you feel informed.
Your mortgage doesn't end at settlement. Yen will continue to review your loan regularly to ensure it still meets your needs as life changes.
Operating under a full Australian Credit Licence, all recommendations are made with your goals in mind and are fully compliant.
How It Works
From your first chat to handing you the keys, here's what working with a mortgage broker looks like.
We meet (in person, by phone, or online) to discuss your goals, budget, and financial situation. No commitment — just a relaxed chat.
Yen compares products across multiple lenders to find suitable options. She'll explain the pros and cons of each so you can make an informed decision.
Yen handles all the paperwork and liaises with the lender on your behalf. She'll keep you updated at every stage until you receive formal approval.
Once approved, Yen coordinates settlement with your solicitor and lender. After you get your keys, she'll continue reviewing your loan to ensure it stays competitive.
The Loan Application Process
Understanding the process helps you feel prepared and informed. Here's a deeper look at each step.
During your first meeting, Yen will take the time to understand your full picture:
Using her access to a wide panel of lenders, Yen will:
Once you've chosen your loan, Yen manages everything:
Who Yen Helps
No matter where you are on your property journey, Yen is here to help.
Navigating your first purchase can be overwhelming. Yen will guide you through grants, schemes, and loan options to help get you into your home sooner.
Building a property portfolio requires smart lending strategies. Yen will help structure your finances for growth while managing risk effectively.
Is your current loan still competitive? Yen will review your mortgage and compare alternatives that may provide more competitive terms.
Planning to build or renovate? Yen understands construction loan structures and can help find the right product for your project.
Whether you're a first home buyer, investor, or simply looking to refinance, Yen would love to chat. Book a time or give her a call — she's ready to help you find a mortgage plan suited to your needs.
