We educate and empower people, financially.

Helping Australians Borrow Smarter

Borro™ is a mortgage broker and lending platform helping Australians secure smart, personalised finance solutions – from first home buyers to seasoned investors.

We work with a panel of 30+ banks and non-bank lenders to find the best home loan, refinance or debt consolidation option for your situation. No sales scripts, no bank agendas – just honest advice that puts your goals first.

What We Do

We help Australians navigate major financial decisions with clarity and confidence. Whether you’re buying a home, consolidating debts, or refinancing for a better rate, our team’s got your back from first question to final signature.

How We Can Help

First home buyers, owner-occupier loans, investment loans, pre-approvals

Rate reviews, switching lenders, simplifying monthly repayments

Combining car loans, credit cards, personal debts into one home loan

Vehicle loans, secured personal loans (via our lender network)

Structured finance for growing your property portfolio

Small business loans, equipment and working capital finance (selected lenders) 

How We're Different

We’re not a lender – we’re your advocate, and we don’t just compare rates. We work with you to make borrowing feel less overwhelming, more transparent, and actually tailored to your life.

Here’s what sets Borro apart:

  • Real people, not robots
    You’ll speak with experienced brokers who guide you clearly, not a call centre script.
  • Straight-up advice
    If something isn’t in your best interest, we’ll say so. No overpromises. No pressure.
  • Team-based service
    Behind every Borro broker is a support team working to make your application faster and smoother.
  • We move quickly
    Get conditional approval in as little as 24-48 hours (once your documents are in).

Who We Work With

Borro supports all kinds of Australians, including:

  • First home buyers looking for step-by-step support
  • Families wanting to refinance and reduce repayments
  • Property investors managing complex portfolios
  • Self-employed borrowers and business owners
  • Homeowners wanting to roll debts into one simple repayment
  • Regional clients with local income or non-traditional setups

     

We understand that no two borrowers are the same – and your finance strategy shouldn’t be either.

More Than Just Loans

Borro exists to empower everyday Australians with honest advice, better options, and the confidence to move forward.

We don’t push one product or lender, we find what fits you best. That’s how we’ve built long-term relationships (and an ever-growing community of return clients).

Want to See What's Possible?

Whether you’re just starting out or already exploring your options, we’ll help you understand what you can afford – and how to make it happen.

AWARDS

Industry awards and accolades.

THE TEAM

Your Lending Experts.

Cara Giovinazzo

Cara Giovinazzo

Managing Director & Senior Mortgage Broker

Borro™ - Brisbane Dip. Finance & Mortgage Broking View Profile
Kelly Paterson

Kelly Paterson

Senior Mortgage Broker

Brisbane Dip. Mortgage Broking View Profile
Karlee Spence

Karlee Spence

Mortgage Broker

Brisbane Dip. Mortgage Broking View Profile
Campbell Moylan

Campbell Moylan

Mortgage Broker

Melbourne B. Comm/B. Finance, Grad. Cert. (Financial Technology), Cert IV Financial Services View Profile
Ben Bath

Ben Bath

Mortgage Broker

Brisbane Cert IV Mortgage Broking View Profile
Xatiese Wilson

Xatiese Wilson

Client Service Manager

Brisbane Cert III Business, Cert IV Finance & Mortgage Broking View Profile
Lina Faavae

Lina Faavae

Client Service Manager

Cris-an Pution

Cris-an Pution

Settlement Officer

Chia Sales

Chia Sales

Settlement Officer

OUR VALUES

Education equals financial empowerment.

01

Collaboration and communication.

Borro is more than the sum of its many brokers. We are a team. And to find the best financial solution for your needs, we communicate, collaborate and apply our strength in numbers

02

Excellence
and ethics.

There’s a reason we have outstanding customer retention… we make things clear as day. Borro builds trust through complete transparency and always aims above and beyond our clients’ desired outcomes.

03

Motivation
and mastery.

Borro never settles for less. We remain at the forefront of market changes, constantly pushing our processes to ensure our clients receive a professional service and have the most enjoyable and uncomplicated borrowing experience.

04

No nonsense.

Borro operates with honesty. On the subject of finance, we believe it’s important to set realistic expectations and avoid making empty promises. We are here to help, though you can rely on Borro to tell it like it is.

OUR HIGHLIGHT REEL

Play of the day.

Jared & Shauna Buy Their Dream Boat

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Jeff & Kylie Are En Route to Fiji

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Todd & Kelsea Build Their Forever Home

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WHY BORRO™

WE ARE BIG ON EDUCATION

Brush up with Borro™ Media

Over 300 5-Star Reviews on Google

Posted on Google Google
Chelsea Craven profile picture
Chelsea Craven
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Cara and her team at Borro have been nothing short of exceptional throughout our home loan process. From the very beginning, Cara provided clear communication and comprehensive information, making the process of moving banks and securing a loan for our new mortgage smooth and stress-free. She took the time to explain every step, answer all our questions, and ensured we felt confident in the decisions we were making. Her professionalism, knowledge, and genuine care made what can often be a complicated process feel simple and well supported. I could not recommend Cara and the team at Borro more highly to anyone looking to secure a home loan or refinance. Their service and support have truly been outstanding. ⭐️⭐️⭐️⭐️⭐️
Posted on Google Google
Bryce Wells profile picture
Bryce Wells
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Campbell from borro as our mortgage broker was an outstanding experience from start to finish. From the very beginning, he was professional, knowledgeable, and genuinely committed to helping us secure the best possible outcome. Campbell took the time to clearly explain every step of the process, making what can often be a stressful and confusing experience feel simple and manageable. He was always available to answer questions, provided honest advice, and worked incredibly hard behind the scenes to find the right loan that suited our needs. What really stood out was his communication and dedication. Campbell kept us updated throughout the entire process and made sure everything moved smoothly and efficiently. His attention to detail and willingness to go the extra mile gave us complete confidence that we were in good hands. Thanks to Campbell, the whole process was far easier than we expected. We would highly recommend him to anyone looking for a reliable, knowledgeable, and supportive mortgage broker. If you want someone who truly cares about getting the best result for you, Campbell is the person to call.
Posted on Google Google
Candice Staadecker profile picture
Candice Staadecker
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Kelly and Lina were fantastic. They work at a fast pace which is exactly what you want in a mortgage broker. I would highly recommend Borro.
Posted on Google Google
Jamie Borg profile picture
Jamie Borg
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Incredibly knowledgable, patient, dilligent and got the results I needed.
Posted on Google Google
Jarrah Kelly profile picture
Jarrah Kelly
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Campbell was so attentive and helpful. He was also always pleasant to communicate with.
Posted on Google Google
Troodon profile picture
Troodon
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great experience with my recent refinance. I had friendly, proactive, and timely assistance provided by Kelly and the Borro team.
Posted on Google Google
Morteza Nourbakhsh profile picture
Morteza Nourbakhsh
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a great experience with our broker, Campbell! They were extremely helpful and professional throughout the entire mortgage process, always keeping us updated and regularly checking in to see if we needed any help. Their support made the whole experience much less stressful. We highly recommend them.
Posted on Google Google
Paul Hawkey profile picture
Paul Hawkey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service and advice from Campbell and the team.
Posted on Google Google
sid alsid profile picture
sid alsid
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ Huge thanks to Kelly and the Borro team for their help with my refinance. The process had a few complications, but Kelly was always professional, patient, and easy to deal with. Communication was clear throughout and everything was handled smoothly through to settlement. Highly recommend Borro!
Posted on Google Google
Susie profile picture
Susie
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Kelly from Borro was an absolute delight to work with! She made applying for a home loan feel easy, guiding me every step of the way and keeping me informed throughout the entire process. Kelly was always prompt, professional, and communicated clearly with genuine empathy, which made a huge difference in helping me understand the loan process and feel fully supported. She consistently provided timely updates, even after work hours and during her annual leave, which I was incredibly grateful for. Thanks to her guidance, we secured formal approval on time. I couldn’t be happier with the outstanding service and would highly recommend Kelly to anyone looking for a knowledgeable and trustworthy mortgage broker.
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