[email protected] 0402 834 217

I had 10 happy years in retail banking experience to bring forward to my current role. Becoming a Mortgage Broker has always my dream, it allows me to use my retail banking experience as the foundation to build a network with all relative market professionals. Hence, I help professionals and families to build their wealth dreams in 360 degree filed. I am able to educate them with all their banking needs.

I always imagine myself as a professional tailor, my goal is after all the exact measurement, I like to make a fitted custom made suite for my client. If smiles appears on their face then I am fulfilled.

My language skills and nature of care have given me the strength in this market. I truly believe, language brings people closer and care means you love your job and your customers.

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About Joanne Ngai

My past retail banking experience has taught me how to do a variety of home loans, personal loan, overdraft, credit card, insurance and even wealth products.

I can offer commercial loans to all business entities. I offer whatever the market trends heading to. I like to use my skills, knowledge, my network to build a business that also could benefits to all my channel business and be successful.

When we asked Joanne…

What are you passionate about?
Running my business and building my own clients. Meeting professionals from every aspects. Learning new things everyday and fulfilling everyday.

4 people you would invite to dinner?
Tony Robbins, Jack Ma, Dan Lok and my husband.

What makes you laugh?
A joke from a very nice/calm/sophisticated person.

What is your dream holiday destination?
Europe and Japan

Give us a tip?
You do not need a tip from me because i am a very honest person. Just ask me:)

In another life you would want to be?
I am happy about this life. Appreciated for what I have and hopefully live to my maximum power is my aim.

What superhero would you be?
Wonder woman

If you could work on a project for any company in the world, who would it be, and why?
ANZ because it has branches all over the world

If you could be doing anything in the world, what would it be?
I want to be a CEO for a international company.

What do you read on a weekly basis?
The secrets of selling anything to anyone and public speaker such as Tony Robbins and Dan Lok


Pre-covid, I was looking around to secure good deals for refinancing the mortgage on my investment property. I had clear criteria set out for Joanne, and she has got straight on to the job from the beginning. Post Covid, several issues arose during the application process with the bank, due to the bank changing the criteria for processing home loans. Joanne was very helpful in resolving these issues with the bank for us, which made the otherwise painful process with the banks bearable. Where she wasn’t certain of the answers to my questions, she has gone out of her way several times following up multiple times with multiple people to get the right answers. This speaks very highly of her patience, transparency and her professionalism in ensuring to get the right things done by her customers. Her communication has been top notch and has kept me informed of every change from the bank, throughout the loan process. I have had a great experience working with her and truly valued her time and effort through this process which is the only reason I went ahead with the loan refinance application with her. I would highly recommend her services if you are looking around for a hard working and highly professional mortgage broker. Here’s wishing you only the best Joanne! 
Regards Arshita

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Call me for a free home loan health check.

I will compare your current loan to hundreds of other finance options to see if a different mortgages maybe more suitable potentially saving you thousands of dollars and lowering your monthly repayments.

I am located in the Mulgrave and predominantly service clients in Point Cook, Williams Landing, Sanctuary Lakes, Melbourne CBD, Glen Waverley, Doncaster and Box Hill.

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