Our People

Teamwork is the secret that makes common people achieve uncommon results. At RateOne we have a team of highly trained and skilled professionals who are dedicated to providing you with the best possible advice experience. Whether it is Home Loan or Financial Planning Advice, our team is always here to help our customers with support, product advice and processing of applications.



I’d just like to thank you so much for helping me in buying my first home. You were a fantastic help, and did so much for me. Without your help it would not have been possible, and I’ll be definitely giving you a buzz when I’m ready to get my 2nd one. Thank you so much.
Well done on all your work and finally getting settlement through for yesterday! – good grief it took a bit, but it feels awesome to be the proud owner of a bouncing baby(?) mortgage. Only 29 years 363 days to go (aka till the mortgage finally ‘leaves home’). Thank you so very very very much for helping to make this happen, your truly awesome!.
My father in law has asked me to write a thank you to you for helping him refinance his home. His language skills aren’t great but he is very appreciative that you went out your way to help him understand the requirements. You’ll be glad to hear that he’ll be settled in to his new home when he returns from Vietnam. A sincere thank you once again. It’s nice to know there are people out there like you who go above and beyond.
A huge thank you from the Saade Family. How you managed to get the loan organised in such a short time I’ll never know! We’re all moved in and thanks to you the only worry I have is sorting out what colour to paint the kid’s room.
I’d just thought I’d drop you a quick note to thank you for assisting us in getting our loan. You have made what seemed to be an arduous task so easy and simple. I’m not the most confident person when it comes to matters financial so it was a nice surprise to know that I could understand the subject when explained in such a straight forward way.
Thank you so much for all your help & support in our journey of buying a home. You certainly did more than your job description in also helping us buy a car & we are extremely grateful. We will certainly recommend you to any of our friends wanting to purchase a home. Your helpfulness has been warmly appreciated.
RateOne were truly fantastic to deal with. Highly professional and great understanding of my needs.
Adam was fantastic! He went above & beyond to make our transaction a smooth one (even though I threw in a few curve balls that probably made his life difficult…). He answered my text messages & phone calls on weekends & after hours. I could not have asked for any more from him.
Alex was helpful as a financial planner. Although he could not directly help us with our questions, he was able to put us in contact with a good accountant who was fantastic & offered a discount rate with the referral.
Rate One professional Service and experinced brokers Would highly recommend them 🙂
Otto was one of the most pleasant sales experiences of my life, his attention to detail and efforts over an extremely frustrating and important 18 months will never be forgotten, I have already referred his services and will continue to do so. Thanks Otto
Both Ted and Ivana were amazing to work with and as a first home buyer, they answered all my questions and put to rest all the stresses that I felt. They consistently communicated with me and checked how the process of settlement was going. They showed great customer care and I will be recommending RateOne to any of my family and friends who are looking to buy a home or in need of financial planning
Mike Yorke was fantastic! He was very professional and approachable, and made the whole process very simple. Thanks Mike for the amazing advice you provided us with. We will be recommending you to all our friends and family!
Thanks Ted for helping me with refinancing my home loan. I have been very happy with the change over to Suncorp. Thanks for going through all my options with me and being available to answer phone calls and emails. I appreciate it. I will happily refer friends/family to you in the future if they need assistance with refinancing.
Both Ted and Ivana were amazing to work with and as a first home buyer, they answered all my questions and put to rest all the stresses that I felt. They consistently communicated with me and checked how the process of settlement was going. They showed great customer care and I will be recommending RateOne to any of my family and friends who are looking to buy a home or in need of financial planning.


Adam Nelson


Martin Fedmowski


Ted Ongarezos


David Yu

Chief Operating Officer

Erol Doganay

Chief Growth Officer


At RateOne, our experienced team focuses on empowering our clients to give them control of their financial future.
We are here to help make your RateOne experience a rewarding one!

Mortgage Consultant

[email protected]

0422 021 423

With more than a decade of experience in the finance industry, Adam brings a wealth of knowledge in Home, Car and Personal finance. Adam is passionate about the role he plays in wealth development for his clients and achieves this with comprehensive research for the most appropriate financial solution.

Mortgage Consultant

[email protected]

0478 646 003

Adam sees the role of mortgage relationship manager. Adam sees a mortgage is the start to achieving your goals in life and he takes a hub and spoke approach in finding you solutions. This could include introducing you to other people that may assist you to reach those goals, Adam will happily hold your hand through this process.

Adrian Booth

Mortgage Consultant

[email protected]

0448 444 707


Anita Hinze

Mortgage Consultant

0407 338 492

As well as providing a comprehensive lending service to her clients, Anita believes it is equally important to educate her clients on financial matters to empower them with the knowledge and confidence to make future financial decisions.

“If you don’t know where you are going, you will never get there”

Mortgage Consultant

0468 421 972

Antony ensures that you come first. He listens to your immediate needs, understands your short and long-term goals and works with you to create an individual and tailored solution.

Educated to MBA level, he has been managing people and different companies for over 20 years before making the transition to Finance. His ethics and experience ensure that he is someone that you can trust and depend on.

Mortgage Consultant

0431 045 133

Arun is a passionate, honest and professional mortgage consultant who like to invest his time with clients and help them achieve their financial goals through his dedicated efforts.

Whether you are a first home buyer or an experienced investor, he can work with your needs to the best of your situation by aiming to make this transition hassle-free. Being a mobile broker, he is flexible to visit you at your convenient location and time helping you to reach your financial dreams.

Aydin Ukur RateOne Mortgage Broker 0423 201 798

Mortgage Consultant

0423 201 798


Aydin made the jump to become a broker because he enjoys watching people succeed in their financial goals. Coming from a banking background, Aydin knows how to navigate to the best solution for his clients. Aydin prides his service on going above and beyond for every client as he values the long term relationship he has with them.

Mortgage Consultant

0421 993 966

Claude has an acute understanding of an ever changing market and its trends, based on 20 years of industry experience, in addition to his dedication to lender and product research. Claude prides himself on delivering a hassle free service and exceptional customer care. With his expertise and dedication, take comfort in the fact your loan needs and requirements will be catered to.

Mortgage Consultant

0425 757 523

Dominica is committed to client relationship management and delivers a personalized albeit professional service to her clients. The process of buying a property can be overwhelming and by liaising with key parties to the deal, she endeavours to make the process as smooth and as easy as possible for her clients who value the level of support they receive.

Ian Mackinnon

Mortgage Consultant

0412 911 131

A strategic thinker with more than 15 years professional business experience in the finance and property industry, Ian MacKinnon joined the RateOne team following a move to the Mornington Peninsula in Mount Eliza, to expand his business in finance and property advocacy while providing a great lifestyle for his young family.

Mortgage Consultant

0401 925 507

Having been in the industry for over 6 years, Jade’s vast knowledge gives her the ability to provide individual specific advice to each of her clients to ensure that they have the right loan that is suited to their certain financial position and goals.

Mortgage Consultant

0490 075 455

Jatin comes from accounting and credit background. He started his Mortgage Broking career in 2017 and understands that finding the best loan can be a complicated and tedious process. Jatin is committed to providing assistance to his clients with their mortgage so that they can focus on searching for the right property, whether its investment or to live in.

Mortgage Consultant

0406 533 482

Having been a Mortgage Broker for 17 years with prior experience in the Financial Services industry, John brings a profound understanding and professionalism to his clients. John’s mission is ‘to make the process of buying and selling property easier’ and ensuring the process from start to finish is an enjoyable one. Allow John to guide you through the Home Loan process and benefit from the ‘extra mile’ he will travel for you.

Joanne Ngai

Mortgage Consultant

0402 834 217

Mandarin, Cantonese

With a decade of experience in the finance industry, Joanne’s expertise in navigating retail banking gives her clients a sense of comfort when it comes to their financial needs.
Whether a seasoned home owner, investor or first home buyer, Joanne takes pride in ensuring your needs are met to place you in the best financial position possible.

Mortgage Consultant

0430 245 561

Mortgage Consultant

0403 438 667

Having worked in the mortgage lending industry for over a decade, for one of the Big 4 Banks, Kosh believed it was the right for him to make the move and use his vast knowledge and experience to become a mortgage broker to benefit and assist individuals to realise their “Australian dream” through a loan structure that meets their immediate goals as well as to set them up for future financial flexibility.

Krishna Tanari

Mortgage Consultant

0433 992 166

Telegu and Hindi

Krishna brings unique expertise of Taxation and Accounting into Rate One. Before becoming a Mortgage Broker in 2015, he has been practising as an accountant and tax consultant since 2014 and prior to that he has been in corporate finance for 14 years. Providing mortgage broking services with taxation edge is what makes his services unique. He believes that ‘understanding the needs & goals of the client’ is highly important before advising the right loan product.

Mortgage Consultant

0425 829 676

Martin has been in the financial services industry as a Financial Planner and Mortgage Broker for almost 10 years. He brings a unique understanding of Financial Planning, Home Loans and Investment advice to RateOne. As a consistent high performer, Martin takes pride in understanding his client’s goals and objectives and enjoys working closely with his clients to achieve them.

Mortgage Consultant

0417 798 659

Michael strives to take a holistic approach to each client’s position and make sure that they are in the best position possible whilst taking all the stress out of the whole process.
Michael will take care of all your paperwork, keep your solicitor / accountant / real estate agent updated & most importantly provide education on how everything works.

Mortgage Consultant

0412 644 265

Mike has been involved in the banking and finance industry since 2001 and brings with him a wealth of knowledge. It’s important to structure your loans correctly and Mike will work hard with you to determine the best possible outcome. He prides himself on service where clients are encouraged to ask many questions so there’s a complete understanding. Whether you require a first home loan, investment loan or any other finance advice, Mike can help you find a personalised finance solution.

Peter Armstrong

Mortgage Consultant

0428 850 125

Peter loves helping people with money! Assisting people reaching their financial goals is most satisfying aspect of his job. From consolidating personal debt to multiple investment properties it’s the driving force that motivates him each day. Over 10 years experience in the industry you’re in safe hands.

Mortgage Consultant

0411 228 664

Rod is considered a first home buyer / construction loan specialist. With over 14 years’ worth of finance broking experience the customers best interests always come first. These best interests include lowest possible interest rates, the right loan to suit the customers immediate and longer-term goals and an educational type of approach to identifying the right loan structure and implementation of the chosen loan. Regular “Home loan health checks” are provided as a free service.

Mortgage Consultant

0488 309 999

Kannada, Telegu and Hindi

If you need a dynamic business adviser who understands how critical, financial decisions are for everyone, please do not hesitate in contacting him. Sandeep is a true and honest professional who will work with you to provide you with the best possible advice to suit your circumstances and needs. His open ‘can do’ approach to listen and guide you, ensures your satisfaction in making the entire journey seamless and to your advantage.

Mortgage Consultant

0404 920 929

As one of Australian’s Top Brokers, Ted has won numerous awards and gained recognition from our top lenders as a Consistent High Performer. With over $350 million in settled home loans, Ted’s vast knowledge, experience, commitment and understanding of the industry allows him to provide his clients with very specific individual advice. Ted always puts his client’s best interests first which is a key reason to his continuing success.

Tracey Tran

Mortgage Consultant

0411 144 679

Vietnamese, English

Backed with an ethic of hard work and continuous improvement, Tracey’s leverages her accounting background to deliver the best finance options to her clients. With more than 13 years experience in the finance industry, Tracey takes a strong analytical approach to her clients unique and challenging scenarios, and meticulously researches a broad range of options that best achieves their goals and objectives.

Mortgage Consultant

0421 775 473

Trish strives to ensure you are fully aware of the home loan process, walking you through each step of the procedure. Through her networks, she has a number of resources available to you should you need them, including solicitors, accountants and personal assistants. These experts, along with her extensive knowledge base built from many years experience, all work together to secure the loan to suit you and your family.


Agim Hajdari

Specialist Financial Planner

By appointment only

Agim prides himself on building long term relationships with his clients to help them achieve their goals. Highly values attention to detail and understanding his client’s needs. Agim has a Bachelor of Business, Advanced Diploma of Financial Services and Diploma of Financial Planning.

Erol Doganay

Specialist Financial Planner

By appointment only

Erol brings a high level of expertise and understanding of investment, insurance and financial planning strategies that is second to none. As an investor himself, he prides himself on understanding his client’s goals and working closely with them to achieve their desired outcomes for creating and protecting their wealth. Helping clients reach their financial potential is a main focus of his career.

Oscar Doren

Specialist Financial Planner

By appointment only

Oscar’s highest values in both his personal and professional life is honesty and respect. His purpose is to ensure his clients understand how important it is to plan ahead. Firstly to have more control over their investments and to ensure they have a protection strategy in place to protect their families and their own well-being. Overall, the most important aspect that Oscar confers to his clients is for them to make smart and confident decisions with their financial future.

Richard Jewell

Senior Financial Planner

By appointment only

Richard is a sociable, driven and highly motivated individual who enjoys working in dynamics where there is a central focus on enhancing financial outcomes. Richard also prides himself on making sure that his clients are well educated, so that they are able to make knowledgeable decisions regarding their future. Most importantly, he enjoys working closely with clients making outcomes effortless by assisting them every step of the way.

James Milic

Senior Associate Financial Planner

By appointment only

James is passionate about providing solutions around creating and protecting wealth. James prides himself on understanding his client’s goals and needs. He works closely with his clients to make it a memorable and enjoyable experience.


Jackie Madrazo

Mortgage Processing Officer

Jay Jay Hernandez

Financial Planning Assistant

Jenny Anol

Settlements Co-Ordinator

John Porsovigan

Financial Planning Operations Coordinator

Lois Santos

Mortgage Processing Team Member

Nick Chen

Executive Assistant to Ted Ongarezos

Peter Sreng

Executive Assistant to Sandeep Boob

Shaina Gaibi

Executive Assistant to Sandeep Boob

Sue Pender

Mortgage Processing Officer

Unice Silvestre

Mortgage Processing Officer

Warren Goldburg

Administration Officer to Ted Ongarezos