About Mint Equity
Mint Equity is a multi-award winning mortgage broker and we've built our reputation as a trusted mortgage broker by drawing on decades of banking experience.
Mint Equity is 100% Australian privately owned and operated. Our business is finance and we do not hold any partnerships with other property or related services, ensuring we don’t have conflicts of interest – a critical component for our clients who expect a high standard of service without compromise.
What we do
We are the conduit between the home loan lenders and home, and business owners sourcing mortgages and finance. We’re with our clients every step of the way - from concept planning and initial thoughts, through the application process to settlement and beyond.
Our team streamlines the lending process to remove the pain points for our clients. It’s our experience, having worked for the banks, that gives us the edge in sourcing the right finance for our clients.
Our services are far-reaching and free of charge
We don’t charge any fees for our services as we are remunerated by the lender you choose once the loan reaches settlement.
We provide flexible options for our clients, whether it be meeting face-to-face at your home, office, or a café, via email or over the phone. Our priority is to make the finance process as easy as possible for our clients, so we’ll work around your commitments to find a time to chat.
Location isn’t an issue for us and we’re able to service local, interstate, and clients residing overseas. Technology plays a big part in our business and for those who are interstate or overseas, we utilise Skype and mobile or branch identification services to ensure we meet our compliance requirements without inconveniencing our clients.
“Zac has been our banker/mortgage broker for the last five years. We’ve never met such a dedicated, intelligent, wonderful, efficient, hardworking and positive person. He helped us over the years to obtain finance in challenging times. And due to his efforts we now have our dream home.
We highly recommend him and his wonderful team at Mint Equity. ”
Meet the Mint Equity team
Zac Peteh
Director, Finance Broker
Credit Representative Number 461463 is authorised under Australian Credit Licence Number 389328.
With over 20 years of experience in the finance industry, Zac has established himself as a seasoned professional. Throughout his career, he has held positions at reputable institutions such as NAB, Suncorp, Citibank, and St George. Zac's expertise lies in navigating complex deals, making him a go-to resource for his former colleagues and business partners.
Zac embarked on his finance journey in 1995, starting at Citibank as a Lending Officer and Credit Analyst. It was during this time that he developed a solid foundation in understanding the credit process, a crucial aspect in securing loan approvals.
Transitioning from credit roles, Zac delved into commercial and residential mortgages, expanding his knowledge of business finance and commercial property loans. In 2009, Zac joined NAB as a Business Banking Manager, where he further honed his expertise in business loans and self-managed super fund (SMSF) loans. Prior to venturing into his own mortgage broker business, Zac served as a mobile banker at NAB, specialising in residential home loans for both owner occupiers and property investors.
Beyond his professional capabilities, Zac is known for his down-to-earth nature and genuine care for his clients, treating them like family. On a personal level, he has a passion for cricket, having played as a left-arm fast bowler. Zac is happily married to Leigh, who co-owns Mint Equity with him, and they share their lives with their beloved Japanese Spitz, Sami.
Having grown up in Sydney's Eastern Suburbs, Zac moved to Brisbane at the age of 8 before returning to Sydney's Northern Beaches at 21. In 2013, Zac and Leigh made the move to the Central Coast, and they now split their time between the Central Coast and the Gold Coast. As Mint Equity expands its presence into Queensland in 2023, Zac remains dedicated to serving clients while enjoying the coastal lifestyle, often spotted at Terrigal, Main Beach, or Broadbeach, accompanied by Sami for a run.
Leigh Peteh
Director, Marketing & Communications
Leigh is a skilled professional with a strong background in business management and client services. In her role, she effectively oversees marketing, communications, operations, and the overall strategy of the business. With a diverse career spanning various industries such as real estate, advertising, recruitment, and corporate initiatives for an international ASX listed company, Leigh brings a wealth of experience to her current position.
When Zac made the decision to pursue a career as a mortgage broker, it was Leigh who advocated for establishing an independent mortgage broker business instead of joining an existing franchise. While working full-time for a multinational organization in Chatswood, Leigh dedicated her efforts to building the framework, core values, systems, and processes that laid the foundation for Mint Equity. As the business grew, it quickly became evident that Mint Equity required Leigh's full-time commitment. Consequently, she transitioned from her corporate role to join Zac in the business venture.
Recognising that finance can be a daunting subject for many, Leigh is passionate about simplifying the complexities of finance. She combines her knowledge of finance and property to help clients understand the relationship between property debt and equity growth. Leigh's own property journey began at the age of 22 when she and Zac purchased their first apartment on the Northern Beaches. Throughout the years, Leigh has actively managed their property portfolio, taking charge of renovations and property resale. Understanding that finance may not captivate everyone's interest, she believes in making the entire process as engaging as possible by highlighting the fascinating connection between finance and property.
Leigh was born and raised on Sydney's Northern Beaches. In 2013, she and Zac relocated to the Central Coast, and now they split their time between the Central Coast and the Gold Coast. As Mint Equity expands its presence into Queensland in 2023, Leigh continues to play an integral role in the company's growth and success.
Brad Lees
Senior Finance Associate
Brad is an integral member of the Mint Equity team, having been part of the original lineup alongside Zac and Leigh during the business's start-up phase. In those early days, the three of them worked tirelessly to grow the company. Brad's background in credit assessment brings immense value to the loan application process, ensuring that clients have the best possible chance of approval.
Before joining Mint Equity, Brad dedicated 14 years of his career to NAB and Resimac, where he served as a Senior Credit Associate. In 2012, he also completed a Diploma of Finance and Mortgage Broking, further enhancing his expertise in the field. Clients of Mint Equity greatly benefit from Brad's unique ability to combine credit insights with a deep understanding of product and lender suitability.
Brad's approach to managing a client's file is characterised by tenacity, attention to detail, and proactive communication. With years of experience under his belt and his time at Mint Equity, he offers a comprehensive service to clients, handling top-ups, refinances, and new approvals with utmost professionalism. Clients have the opportunity to directly liaise with Brad, ensuring a seamless and personalised experience throughout their journey with Mint Equity.
Michelle Elshaug
Senior Finance Associate
Michelle brings over 20 years of invaluable banking and lending experience from working with prominent financial institutions such as major banks, regional lenders, and second-tier lenders. With her extensive knowledge and supportive demeanor, Michelle is dedicated to providing clients with meticulous and determined assistance.
In 2019, Michelle joined the Mint Equity team, bringing her wealth of experience from previous roles at Mortgage Choice, Newcastle Permanent Building Society, and Commonwealth Bank, where she held positions in client service and branch management. Recognising the significance of her banking expertise, we were confident that Michelle's addition to our team would enable us to continue delivering high-quality services to Mint Equity clients.
When it comes to ensuring a smooth settlement process, Michelle is the person you want on your side. Her proactive and tenacious approach guarantees that you will have an advocate fighting for your best interests. Moreover, Michelle's ability to break down complex details and decipher bank jargon ensures that clients have a clear understanding of their transactions and can make informed decisions with confidence.
Chanelle Bastick
Finance Associate
Chanelle is available Mondays, Wednesdays, Thursdays and Fridays
With over 5 years of valuable banking experience, Chanelle brings her finance background to the Mint Equity team, aligning perfectly with our commitment to providing clients with expert knowledge and exceptional customer service. In her most recent role with Bankwest, Chanelle developed a close working relationship with clients, guiding them through the home loan onboarding process.
Chanelle places great emphasis on effective communication, ensuring that clients have all the necessary information to make informed decisions. Her dedication to providing transparent and comprehensive guidance sets the stage for a seamless experience.
When it comes to securing the best interest rates for clients, Chanelle is both passionate and tenacious. She handles the entire application process, from the initial stages to repricing home loan interest rates and conducting loan reviews every six months. As interest rates and market conditions fluctuate, having Chanelle in your corner proves to be invaluable.
With Chanelle's expertise and commitment to staying informed, clients can rest assured that their best interests are at the forefront. Whether you're starting a new application or seeking to optimise existing loan terms, Chanelle's guidance and market insights will ensure that you make informed decisions that align with your financial goals.
Rebecca (Beck) Hartley
Client Services Co-ordinator
Available Mondays and Tuesdays, 8.30am to 5pm
Rebecca is the invaluable leader of our buyer support services team, dedicated to providing exceptional care and guidance to our clients as they embark on their quest for their dream property. Whether our clients are in the midst of emotionally charged buying decisions or seeking practical insights into the real estate market, Rebecca is there with her calming voice of reason and clarity.
With her extensive background at Magnolia Lane Financial Services and years of experience in client services across Australia, Canada, and France, Rebecca possesses the perfect blend of expertise and empathy to navigate our clients through the highly stressful process of property acquisition. Her wealth of knowledge and understanding ensures that Mint Equity clients receive property research and guidance that surpasses anything offered by other mortgage brokers in Australia.
Having recently returned from maternity leave, Rebecca is now available to assist our pre-approved clients on Mondays and Wednesdays. We recognise the immense value she brings to our team and the vital support she provides to our clients. To discover more about our Buyer Support Services, please visit our Buyer Support Services page.
Bernard Feliciano
Finance Associate
Clients of Mint Equity are indeed fortunate to have Bernard as their Finance Associate. His exceptional customer service methodology goes beyond the traditional approach; he makes every client feel like family. His communication style is warm and personal, yet professional, ensuring clients are well-informed and comfortable throughout the entire loan process.
With a solid educational background in Accounting and Finance, Bernard has honed his skills over five years in consumer lending and home loans. His professional demeanour enable him to effectively assist clients as they navigate the home loan application process. Bernard is recognised for his analytical capabilities, meticulous attention to detail, and commitment to maintaining the integrity and accuracy of financial processes.
Bernard brings a wealth of experience from his previous roles as a Credit Underwriter, Loan Processor, and Credit Officer. His expertise encompasses a broad range of functions including underwriting, credit analysis, loan processing, and customer service.
Bernard's commitment to making clients feel valued and understood is a testament to his character and professionalism, making him an invaluable asset to Mint Equity and our clients.
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Our lenders
We work with the big four banks and multiple second tier home loan lenders to provide a vast portfolio of products for our clients.
A study commissioned by the Mortgage and Finance Association of Australia (MFAA) found that customers who sourced their home loan through a mortgage broker were more satisfied with their experience than customers who went direct to a lender. To learn more, read our article Mortgage broker customers more satisfied than direct to lender customers.
Working closely with the major banks and second tier lenders has enable us to secure priority status with several financial institutions, enabling us to fast-track home loan applications for our clients.
“Mint Equity have always been very thorough and professional with our business. At the end of the day it’s all about getting the job done and that is where Zac is head and shoulders above the rest.
We would highly recommend the services of Mint Equity and have referred friends and family to them.”
Why use Mint Equity
Mint Equity simplifies the experience for our clients taking care of all the necessary administration tasks, which includes the paperwork, application process, and the final settlement.
Our services are personalised for each individual, meaning we get to understand your unique goals and situation. Using our business experience and network, we find the best solution that meets your needs.
And the best part – our services are free of charge! Mint Equity is remunerated by the lender you select, meaning we only recommend the best option for your needs and you always have the final say
We’re a full member of the MFAA
MFAA (Mortgage and Finance Association Australia) is the peak industry body for mortgage and finance professionals. The MFAA is determined to rid the industry of unscrupulous operators and maintain strict accreditation standards on education, experience and ethics.
Consumers can go to an MFAA member and borrow with confidence.
Being a full member of the MFAA means we adhere to an industry code of practice which sets high professional and ethical standards for members. It demonstrates our integrity, commitment to professionalism, ongoing professional development, and shows we promise to always put our clients first.
Frequently Asked Questions
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We don’t charge fees for our services as we are remunerated by the lender you choose once the loan reaches settlement.
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We are the person between the borrower and the lender who negotiates the loan on your behalf with banks, credit unions and other credit providers to arrange various types of loans. We have the knowledge around specific requirements with various lenders to cater to specific circumstances to provide you with the best chance of getting an approval. We assess your financial circumstances, find a suitable loan and manage the application process as well as providing advice at every step. To learn more about what a mortgage broker does, click here.
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The real value of Mint Equity is that we help educate clients on the options and lending strategies that help them achieve their goals. Our Director, Zac Peteh has over 20 years banking experience. Zac has experience working in credit and understands how credit thinks, which is incredibly important to securing home loan approval. Zac’s experience is spread across residential, commercial and SMSF lending so you don’t have to deal with multiple brokers or bankers for each different loan.
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Yes, Mint Equity is accredited and a full member with the Mortgage & Finance Association of Australia (MFAA).
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Credit Representative Number 460314 is authorised under Australian Credit Licence Number 389328. Offers and interest rates quoted are accurate at time of publishing.
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Mint Equity covers the full spectrum of property and business finance.
investment property loans
construction and development loans
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We can arrange appointments 7 days a week at a time that suits you and at your preferred location. You can call us on 1300 00 MINT (1300 006 468).
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Our operations are based in Sydney, the Central Coast and the Gold Coast, however were able to service all parts of Australia and for clients living overseas.
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If you’re overseas or not living in Sydney or the Central Coast, we are still able to help. The digital age has helped the finance industry a lot and with the use of phone, email, Zoom, WhatsApp, and identification verification points (like banks and Australia Post), we’re able to provide our service to those outside of the Sydney and Central Coast area.
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We have access to over 40 lenders including the big 4 and 2nd tier lenders which provides us with 100’s of products to suit the needs of our clients.
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If you’re not sure if your current bank is providing you with the best home loan option, give us a call. We can assess their offer and let you know if there is anything better out there from other lenders.
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Depending on the lender you choose, in some cases we can get pre-approval within 24 hours. Many lenders have an auto approval system that enables us to turn around home loan pre-approvals very quickly. However, we would always recommend allowing up to 5 business days to ensure you have enough time to provide all the documentation we’ll need to submit your loan.
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Whilst it’s not ideal to exchange contracts before getting finance approved, we know some properties are hard to resist. In those cases we are able to prioritise and escalate your application through the lender. We have great relationships with our lender panel and can assist us to get urgent approval.