Gill McLean started Dream Freedom Financial on a simple idea: the loan that gets approved on paper isn't always the one that's right for the person signing it. 34 years into the industry, she's built her practice around the applications other brokers wave off — self-employed income that doesn't fit a template, an existing "no" from the bank, a first home buyer who's never seen a loan document before.
She works across a panel of 30+ lenders because no single bank suits every borrower, and she'd rather spend the extra hour finding the right one than the easy one. Whether it's a straightforward first mortgage or something more complicated, every client gets the same attention from first conversation to settlement — which is a large part of why so much of her work comes by referral.
Based in Subiaco, Gill meets clients across Perth in person and works with people anywhere in Australia by phone and video, including outside standard bank hours.
In almost every case, no. Brokers are paid a commission by the lender you choose, not by you, so the advice and legwork are free at the point of use.
It's actually the best time. Knowing your borrowing power before you fall in love with a place saves a lot of disappointment later.
Often, yes. A "no" from one lender is usually about that lender's specific policy, not a verdict on you. Different banks assess self-employed income, credit history and complex deals differently - finding the one whose criteria actually fit is exactly where a broker earns their keep.
Gill McLean, Director at Dream Freedom Financial
Tell us a bit about what you're after, and a real broker will be in touch. Not a call centre, not a script.
Whether it's your first home, your fifth investment property, or a business deal other lenders won't touch, we'll find the path that fits.
Dream Freedom Financial is a broking business built on purpose, driven by a genuine desire to help people thrive financially Australia-wide.
