Our People
Certitude Finance Group is a premium mortgage broker and financial services company.
Expert Guidance. Personalised Service.
Certitude Finance Group is a premium mortgage broking and financial services company helping clients across Australia. Whether you’re applying for your first home loan, refinancing, or looking for a lifestyle or business loan, we’re here to guide you through every step.
With access to a wide range of banks and lenders, we’ll help match you with the loan that best suits your needs, not just what’s easiest to sell. Our process is personalised, efficient, and designed with your goals in mind.
Why Choose Certitude?
- National service with online applications
- Access to 33+ residential and 22+ commercial lenders
- Tailored guidance from expert mortgage brokers
- End-to-end support throughout the loan process
Our Team
We’re here to support you through life’s biggest financial decisions with clarity, confidence, and care.
Robert Carmichael
Director & Mortgage Broker
0403 226 891
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Rob is a versatile mortgage broker known for his ability to navigate a wide range of lending scenarios from first home purchases to complex loan structures and bridging finance. With a reputation as an all-rounder who thrives on challenges, he helps clients secure the right solution whether they’re buying their first home, growing an investment portfolio, or tackling intricate finance needs.
With over a decade of experience in mortgage broking including 7 years with Aussie and more than 3 years as Director of Certitude Finance, Rob has worked with a diverse client base, from local families to seasoned investors. His achievements include Medallion Club recognition for high performance, leading a team of brokers, and building a thriving brokerage known for its client-first approach.
A proud Caroline Springs local, Rob enjoys the strong sense of community and can often be found at Westwaters or Miss Caroline catching up with clients over coffee. Outside of work, he’s a dedicated family man with a wife and three young children. If he weren’t in finance, he’d still be working with people helping them achieve big goals and making a lasting difference in their lives.
“Treat people like gold.”
Philip (Phil) Briese
Mortgage Broker
0423 628 664
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Phil is a seasoned mortgage broker with 19 years of experience, including senior roles at the Commonwealth Bank. He specialises in helping first home buyers and investors, with expertise in self-employed loans, bridging loans, and guarantor loans.
Phil’s approach is friendly, efficient, and helpful. He listens closely to understand your needs and guides you through the loan process with clear advice and support.
Outside of work, Phil enjoys volunteering, family time, bush walks, and sports. His goal is to be your trusted advisor and help you confidently navigate Melbourne’s property market.
Robert (Bob) Chelva
Mortgage Broker
0401 590 933
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Bob brings a unique edge to mortgage broking, having worked in sales and marketing for B2B industries before switching to finance. His strong negotiation skills and competitive drive help him truly understand what clients need, not just what they want.
He specialises in helping first home buyers, investors, and families looking to upsize. Bob listens carefully and asks the right questions to find the best loan solutions for you. He’s organised, detail-focused, and committed to helping clients reach their goals.
When he’s not working, Bob plays bass guitar in local bands bringing creativity and teamwork from the stage to his broking service.
Grace Nguyen
Mortgage Broker
0413 975 630
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Grace is a strategic thinker and problem-solver who is passionate about helping clients achieve their property goals. She enjoys busting the common myth that you need a 20% deposit to buy a home, guiding clients through options that make home ownership more accessible.
Her approach is to understand each client’s unique needs and goals, build trust, and find the best solution to suit their situation.
“Say it. Mean it. Do it.”
Bradley Morgan
Mortgage Broker
0414 615 059
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Bradley transitioned from IT to mortgage broking in 2023, bringing a problem-solving mindset and a passion for helping clients with finance. He focuses on first home buyers, refinancers, investors, self-employed clients, and small business owners.
Bradley prides himself on clear communication, personalised service, and finding the best loan solutions even in tricky situations. He’s known for his persistence and dedication, treating every loan like it’s his own.
When he’s not helping clients, Bradley enjoys tech projects, graphic design, family time, and exploring ways to improve his work.
“Do the right thing by others, and it will come back to you.”
Anyang Ayuen
Mortgage Broker
0478 352 915
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Meet Anyang, a valued member of the Certitude team. With years of international experience in the finance and banking industry, Anyang holds a Bachelor's Degree in Accounting and Applied Finance, along with a Diploma in Finance and Mortgage Brokerage Management.
Anyang's passion lies in unravelling complex financial structures.
His warm, compassionate demeanour, coupled with his ability to make the process both calming and enjoyable, ensures a stress-free experience for our clients.
He is wholeheartedly committed to the well-being of our clients, dedicating his time to help them achieve their property ownership and investment goals.
Savannah Tran
Office Manager
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Savannah is Certitude’s Office Manager and a key part of the team, bringing warmth, organisation, and a genuine care for people. She’s completed her Certificate IV and Diploma in Finance and Mortgage Broking, giving her the knowledge to support both clients and brokers with confidence.
Whether it’s managing paperwork, assisting with loan applications, or helping clients feel at ease, Savannah ensures everything runs smoothly behind the scenes. Her kind nature and attention to detail create a friendly, stress-free experience from start to finish.