Hi, I’m Bradley Morgan, your dedicated finance broker at Certitude Finance.
I’d love the opportunity to help you with your home loan, car and personal loans, providing tailored lending solutions with personalised support every step of the way.
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Reviews
Services
Home Loans
Whether you're buying your first home, upgrading, or building, I help you navigate the lending process with confidence. I’ll guide you from start to finish, finding the right loan for your unique situation.
Refinancing
Looking to reduce repayments, access equity, or switch lenders? I’ll review your current loan and show you what’s possible — helping you make a smart move for your future.
Vehicle & Asset Finance
Need a car for work or a new vehicle for the family? I arrange fast, competitive finance for personal and commercial use — helping you get moving without the stress.
Personal Loans
From holidays to renovations or debt consolidation, a personal loan can give you financial breathing room. I’ll help you find a loan that suits your needs and budget.
Business Loans
Whether you're starting, growing, or need working capital, I offer flexible business finance solutions — with a focus on understanding your business and backing your goals.
SMSF Lending
Looking to purchase property through your Self-Managed Super Fund? I’ll help you understand the process and secure the right lending structure, making SMSF lending simple and compliant.
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About Me
Professional
Diploma of Finance and Mortgage Broking Management, Finance and Financial Management Services.
With a strong foundation in IT spanning many years, I made the leap into the finance industry in early 2023, driven by a desire to help clients navigate one of life’s most important decisions — finance. After completing my Diploma of Finance and Mortgage Broking Management, I joined Certitude Finance Group in July 2023 and became a proud member of the Mortgage & Finance Association of Australia (MFAA).
Since then, I’ve focused on becoming an expert in residential home loans and, over time, have broadened my expertise to include vehicle and asset finance, personal loans, business and commercial lending, and SMSF loans. In recognition of my dedication to clients and consistent performance, I was honoured to achieve Elite Broker status with CBA in November 2024.
My background in IT has helped me bring a problem-solving mindset and a structured approach to every client scenario, while my passion for finance continues to grow with every loan settled.
I mostly work with everyday Australians — individuals, couples, and families — who are looking to purchase their first home, upgrade their current property, refinance to a better deal, or invest in property. Many of my clients are time-poor professionals who value clear communication, efficiency, and someone who can take the stress out of the loan process.
I also assist self-employed clients, tradespeople, and small business owners who often find it harder to navigate traditional lending channels. As my network has grown, so has my client base — now including clients seeking finance for vehicles, equipment, personal needs, business expansion, and even SMSF lending.
Whether it’s a first-time buyer needing guidance or a seasoned investor looking for a strategic lending partner, I focus on providing tailored solutions with a high level of care and service from start to finish.
My area of expertise lies in delivering a personalised, detail-driven experience that takes the stress out of finance. I pride myself on offering a high level of care, clear communication, and an unwavering focus on getting the right outcome for every client.
With a genuine commitment to service, I treat every loan like it’s my own — whether it’s a first home, a refinance, or finance for a car, business, or investment. I leave no stone unturned, ensuring every detail is considered, every step is explained, and every option is explored.
Clients often tell me they feel confident and looked after throughout the process — because I make it my mission to ensure they are. I’m not just here to get the deal done — I’m here to be a guide, a sounding board, and a trusted partner in their financial journey.
Completed Diploma of Finance & Mortgage Broking Management: Officially transitioned into the finance industry after many years in IT, bringing a fresh perspective and strong analytical mindset.
MFAA Accredited Member: Proudly aligned with one of Australia’s leading industry bodies, upholding high ethical and professional standards.
Joined Certitude Finance Group: Became a valued part of a reputable brokerage known for its client-first approach.
IT-to-Finance Transition Success: Leveraged a background in IT to implement structured processes, automation, and clear communication — earning praise from clients for making complex finance scenarios easy to understand.
Achieved Elite Broker status with CBA (2024): A recognition awarded to top-performing brokers, reflecting consistent results and a strong client focus.
Diversified Lending Expertise: Built a growing portfolio across not just residential home loans, but also car loans, vehicle and asset finance, personal, business, commercial and SMSF lending — providing clients with a full range of finance options.
Personal
My favourite Melbourne suburb to work in is, of course, Caroline Springs — a growing, family-friendly community with a great mix of people, properties, and potential. It’s where I get to do some of my best work, helping locals take the next step in their financial journey.
If you’re ever in the area and want a good feed, I highly recommend Pizza Speciale — their Spicy Chicken Tikka pizza is a personal favourite.
When I’m not working with clients, you’ll probably find me doing one of the following:
- Tinkering with tech and building high-performance PCs
- Getting creative with graphic design, drawing, and building websites
- Spending quality time with my wife and two kids
- Exploring better systems and processes to improve the way I work and serve
I’d be building websites and working with AI and automation.
A Bit of Fun
Problem-solving and finding great solutions.
I thrive on finding a path forward when others see a dead end. My strength lies in understanding the full picture, identifying the roadblocks, and then mapping out the right solution — even when the odds aren’t in our favour. Whether it’s a complex income structure, tight timelines, or a loan that’s fallen through, I don’t just accept “no” as an answer. I dig deeper, ask better questions, and find a way to make it work.
I had a young client buying her first investment property with a bit of support from her parents. We had everything lined up with a major bank — great rate, great terms, all ready to go. But the build took much longer than expected, and during that time, she took a couple of months off to travel overseas. As a casual worker, that gap meant her income took a significant hit on paper.
Her pre-approval expired, and suddenly, her income looked almost half of what it had been. The risk? Losing the property — and her $60,000 deposit.
It was a tight situation, but I was able to pivot quickly, reassess everything, and secure finance through another lender. Not only did we get the deal done, but I was able to get her almost the same loan amount on half the income, still with a great interest rate and solid terms.
She and her parents were relieved — and grateful. It was one of those moments where you realise the work we do as brokers goes far beyond paperwork. We protect people’s futures.
Focus on the numbers, not just the narrative.
Melbourne’s market can be emotionally driven — it’s easy to fall in love with a suburb or get caught up in bidding wars. But the smart buyers stay grounded. They know their budget, understand their long-term goals, and make decisions based on facts, not FOMO. Whether it’s location, rental yield, or future growth potential — get clear on what matters to you and stick to it. That’s how you win.
Dedicated. Persistent. Detailed.
I treat every loan as if it were my own. I don’t stop until I’ve explored every option, every strategy, and every angle. I sweat the small stuff — because in lending, it’s the details that make the difference.
“I need a massive deposit to buy my first home.”
A lot of first-time buyers assume they’re locked out of the market — when in reality, there are several government schemes and grants that can make owning a home more accessible than they think. With the right guidance, many of my clients have bought their first property sooner than expected, often with little to no LMI and a much smaller deposit than they thought they needed.
…navigating through a maze — but with a guide who’s already memorised the map.
There are twists, turns, and plenty of places to get stuck. But with the right broker by your side, the path becomes clear, the obstacles are manageable, and you reach the finish line without the stress.
“I had an outstanding experience with Certitude Finance Group, and I want to give a special mention to Bradley Morgan. Our situation was a bit unusual, but Bradley went above and beyond to make it happen. His professionalism, dedication, and deep knowledge of the mortgage process were truly impressive.
What stood out the most was how much he genuinely cared. He took the time to understand our needs, kept us informed at every step, and navigated the challenges with confidence and persistence. Thanks to his hard work, we were able to secure the right mortgage, and I couldn’t be happier with the outcome.
If you’re looking for a mortgage broker who is not only highly skilled but also truly committed to his clients, I highly recommend Bradley. Thank you again for everything!”
Philosophy & Contact
Quality over everything.
I believe in providing exceptional service to quality clients who value being looked after the right way. My role isn’t just to get a loan across the line — it’s to improve my clients’ financial position, guide them through the process with clarity and care, and help them move forward with confidence.
I take ownership of every loan from start to finish, staying proactive, responsive, and focused on delivering results. Whether it’s a home loan, car loan, business finance or anything in between, I aim to exceed expectations and be someone my clients can count on — not just once, but for life.
“Do the right thing by others, and it will come back to you.”
This is something I’ve found to be true time and time again — in life, in business, and in how I serve my clients. I believe in giving first, helping wherever I can, and trusting that when you lead with integrity and generosity, the rest takes care of itself.
I’m flexible and easy to reach — whatever works best for you. You can call, email, text, or message me on WhatsApp any time and I’ll get back to you as soon as I can.
It’s important to me that my clients feel supported and heard, so I make it a priority to stay responsive and available when you need me.