About Tracy Kearey

Tracy is one of Australia’s leading mortgage and finance brokers and heads up an award-winning Brisbane-based brokerage group.

A recognised and awarded veteran in the industry she has over 24 years’ experience in both lending and small business management.

Tracy’s History

Tracy joined HLC in 1999 as a finance and mortgage broker. Over the next 15 years, her client base exploded. So much so, that she became the group’s lead loan writer cementing her position as their number one finance and mortgage broker in Australia!

Tracy’s next move was both bold and financially brave. With the announcement in 2013 that one of the joint directors of Home Loan Connexion (HLC) was transitioning to retirement, she made a direct approach for a buyout which resulted in her securing a 50 percent share and her appointment as a Managing Director.

Under Tracy’s leadership skills and strategic management HLC experienced phenomenal expansion and growth. Her success as a director of the group can be measured by the ongoing industry acknowledgements and awards the company received.

In 2021 Tracy was approached to merge her existing business (HLC) with the Australian division of Mortgage Advice Bureau (MAB). The successful merger took place on 1 April 2021.

In addition to obtaining loans for her existing and new clients, Tracy guest speaks regularly on a range of topics at finance, property and industry events and sits on the MFAA’s WIMBN (Women in Mortgage Business Network) Advisory Panel helping to guide initiatives for the industry.

Outside of her busy life, Tracy is a devoted mother of two. She is an avid lover of AFL (supporting the Brisbane Lions), she supports a range of charities, enjoys travel, social events and horse racing.

Tracy’s key business achievements and highlights include:

  • Over 24 years’ experience as a finance and mortgage broker
  • Diploma and Cert IV in Finance and Mortgage Broking
  • A Member of the Mortgage and Finance Association of Australia (MFAA)
  • Member of MFAA’s Opportunities for Women Advisory Panel
  • 2018 Winner – AFG ‘Business Operator of The Year’ for QLD, NT & Northern NSW.
  • 2018 State Winner – MFAA Excellence Award – Finance Broker Business 6+ Loan Writers
  • 2018 State Winner – MFAA Excellence Award – Customer Service
  • 2017 National Winner – Women in Finance Awards – Principal of the Year
  • 2017 State Winner –  MFAA Excellence Award – Finance Broker Business 6+ Loan Writers
  • 2017 State Winner –  MFAA Excellence Award – Customer Service
  • 2017 State Winner – MFAA Excellence Award – Community Champion
  • 2016 State Winner – MFAA Excellence Award – Best Broker Group
  • 2016 Winner – AFG ‘Champion Broker Group’ for QLD, NT & Northern NSW.


To discuss your lending needs or to have a confidential chat about joining our MAB team as a mortgage and finance broker –  give Tracy a call on 0417 738 469.


What Tracy’s clients say about her:

“After using Tracy’s services, I will never use another broker! I was struggling to secure finance to buy my house and was ready to just give up when my real estate agent suggested speaking to Tracy. Right from the start I had confidence that she would be able to help. Tracy is extremely knowledgeable and her experience in the industry was more than evident. Tracy and her team provide outstanding customer service and are friendly and professional and happy to answer any questions at all times. The commitment and service they provide to their customers is second to none. I have now refinanced and the process went so smoothly and was completely stress free. You will not get better service anywhere else. I highly recommend Tracy to everyone I know that needs a broker.”
Markeesha L – July 2022


“Tracy and her Mortgage Advice Bureau team provided us exceptional service when we refinanced our mortgage. They went above and beyond to make it a simple process for us, returning our calls and responding to our emails quickly. I could not fault the team and have already recommend Tracy to family and friends.”
Chelsea M – June 2022


“The service received was of an exceptional quality, from the initial kick-off meeting we felt at ease. The team kept us updated and offered a great range of products to suit our needs. Support was offered at every stage, and we were able to achieve a great outcome.”
Jiri L – March 2022


“Thank you, Tracy and team for the exceptional service once again. We are thrilled with the outcome of our home loan refinancing. You really are the best in the business! This is why for the last 15years, we have continued to come back to you and your incredible team.”
Angela I – March 2022


“Tracy and her team are super friendly and were exceptional with securing our home loan. They went the extra mile and were always just a phone call away. Tracy achieved a fabulous outcome on our behalf. I absolutely recommend them for anyone wanting a home loan.”
Julie R – February 2022


“A big thank you to Tracy and her team’s dedication to ensuring our finance was fast tracked to settlement even when difficulties arose. Especially grateful for their work and diligence with ensuring all bases were covered. Tracey executed a difficult investment process with multiple variables extremely well – when others had failed me. My future investment loans will be sourced through Tracey. I highly recommend her broker services”
Kain D – February 2022


“Tracy and her team were very committed in finding the best solution for our situation. They were always professional and kept us updated at every step of the way. I highly recommend Tracy’s mortgage broking services.”
Corinne P – January 2022


“I very much valued the level of knowledge, professionalism and kindness Tracy offers. I really loved that I was collaborating with a whole team, the constant communication was what I needed and got 100%. I will be back very soon.”
Janice F – November 2021


“Tracy and her team were very professional and managed our application proficiently. Her experience was tantamount due to the complexity of our application. Thank you, Tracy for your tenacity and patience.”
Mary N – November 2021


“Excellent service – effective communication and extremely helpful. I could not recommend Tracy and Joshua enough! They were amazing throughout the entire process, helping with my first two purchases. I would not hesitate to recommend their services to anyone.”
Emason A – November 2021


“Tracy made the borrowing process so easy for us. There was no stress involved and she offers excellence in service. I highly recommend her broker services.”
Benjamin H – November 2021


“Tracy offers an excellent, responsive, and flexible service. She has helped and guided us through a number of property projects, and we would highly recommend her companies services.”
Angus M – November 2021


“Buying a house is hard and can be a little disheartening at times. Tracy was my saving grace, not only did she secure my finance in a snap, but she also gave me confidence and support through the whole process. I appreciated Tracy’s candour and the fact she always had time for me, even when I was re-asking questions freaking out about everything. She is an absolute powerhouse, and I cannot recommend Tracy and her team highly enough!”
Jordan H – October 2021


“Tracy and her team were extremely helpful with organising our refinancing with a new bank. The whole loan application process was very easy, and all our questions were answered quickly. We are now saving more than ever with our cheaper interest rate!”
Haley and Wade B – October 2021


“The service provided by Tracy and her team was excellent. They made it easy to provide the information required and Tracy’s team looked after the rest. Knowing that I could ask questions and have everything explained in detail was so helpful. For me personally having a central point of contact was such a relief and the whole process was so stress free and quick. If you need any type of loan, I highly recommend Tracy and her team”.
Emily O – October 2021


“Tracy and her team were amazing from start to finish – their level of customer service and communication was exceptional! Being a single mum Tracy got me back into the property market following a divorce. I highly recommend using Tracy as your mortgage broker. I am already starting to look for my next property to purchase”.
Belinda V – October 2021


“I have loved working with Tracy she has a caring, honest and has a ‘can do’ attitude. She is willing to really go the extra mile to ensure we have the desired outcome, and she has extensive experience and knowledge in this difficult industry. I absolutely love working with her and would highly recommend using her services”.
Travis W – July 2021


“We cannot thank Tracy and her team enough for all their amazing hard work to get us into our first home. Dedicated, going above and beyond to get us over the line. Always keeping us informed on the progress of our loan and most importantly feeling all the emotions with us. Guided all the way to the very end until we received the exciting news! We highly recommend Tracy and her team to be the number one choice, they are champions in our opinion”.
Melissa C – July 2021


“Tracy offers such a personalised and efficient loan service, and best of all she’s totally caring and down to earth. I called Tracy in a panic as I needed to refinance urgently. She answered my call and put me at ease straight away. She made what could have been a very stressful situation literally disappear! Seriously, I cannot thank her enough”.
Nichola B – June 2021


“Tracy is always easy to contact and kept us informed throughout the loan process. She offers great service, is easy to deal with and our borrowing experience was so much better than having to deal with a bank directly. We have no hesitation in recommending Tracy’s excellent and efficient mortgage broking service to anyone requiring a home loan”.
Mathew and Rebecca G – May 2021


“Tracy is great when it comes to loan turn around times and her knowledge of the different loan options available is excellent. I handed Tracy the request to help me finance a home loan two days before an already extended finance deadline was due (after my original mortgage broker had stepped out). Tracy very confidently and quickly came back with options that enabled me to convince the sellers to give me another extension. Tracy worked through the process quickly and efficiently and managed to get an unconditional finance approval within a very short timeframe. Throughout the process I got nervous that the contract could fall over, but she reassured me she had it under control and she did!. Tracy was lovely and professional to work with and we would never have been able to secure our home loan without her”.
Emma P – May 2021


“Tracy and her team provided a great service. Always able to answer our questions and keep us updated throughout the process”.
Colin W – February 2020


“I have and will continue to recommend Tracy to anyone I know looking to get a home loan”.
Annabella Mc – January 2020


Tracy, yet again, went over and above to get my new mortgage over the line. She has great knowledge of what’s allowed and how to go about it. Tracy does not give up until she gets it! I have had multiple experiences with her and the team at Home Loan Connexion now and I will be back again! Highly recommended!
Jennifer F – December 2019


“Tracy and her team provided excellent customer service and understanding of my requirements. They were very tenacious in making sure that they got the result that I needed”.
David G – November 2019


“From start to finish the experience we had with Tracy and her team was exceptional. We were totally in the dark having never bought property in this country before and everything was perfectly explained and worked out for us in such a quick timeframe. I definitely would recommend Tracy and her team”.
Wesley G – November 2019


“Tracy went above and beyond to make our dream of home ownership come true. The whole team were a delight to deal with! I would recommend Home Loan Connexion to anyone that needs help securing finance”.
Brian H – October 2019


“Tracy offers excellent service. Her loyalty, expertise and professionalism stands her apart from others and she is very easy to communicate with”.
Troy N – August 2019


“A big THANK YOU to your team and yourself in obtaining our refinancing. We found your team and yourself to be very communicative and professional at all stages of the paper chase and thank you for your perseverance whilst fighting the ‘slothful monsters'”!
Robin and Caroline P – August 2019


“Tracy never gives up and goes above and beyond. She kept us on track going through the entire loan process. She lifted our spirits when we were close to giving up and made herself available 24/7 for us even at weekends. She offers an excellent service and we have no hesitation in recommending her to anyone in need of finance”.
Christine and Tony S – June 2019


“Tracy provided excellent service and gave us answers to all our questions. Re-financing can be a stressful situation but Tracy helped us to understand the issues and managed the process well”.
Colin W and Danielle P – May 2019


“Tracy totally understood our situation, remembered past requirements and knew exactly how to help us move forward. Tracy and her team are just wonderful and they are there with help and guidance every step of the way. We felt we were able to ask all of the questions we needed to, no matter how trivial they seemed, and the responses were quick and extremely detailed. We’ve used Tracy and her team twice now, and will certainly use them again in the future. Thanks for your help”.
Craig and Tracey W – April 2019


“Tracy found the only mortgage we could have and then made it happen. Tracy and her team are so professional. We live overseas and without their help and guidance I’m not sure we would have made it through the process of getting this mortgage. Once again thanks”.
Samantha C – April 2019


“Tracy offers a very personalised service and her staff are friendly and informative. They went out of their way to make sure we had all we needed and that we understood everything”.
Christine S – March 2019


“Tracy’s service was impeccable and she is very professional and quick to respond when I asked any questions or they required anything from me to progress our loan. We were working on a tight deadline and Tracy did everything to make the outcome positive. This is the second time we have used Tracy’s services and I can’t recommend her highly enough”.
Shauna S – March 2019


“Tracy and her team never give up on getting the best finance deal available. She offers great customer service, stayed in contact and never gave up until the loan was settled”.
Peter L – January 2019


“Tracy and the Team at Home Loan Connexion are passionate and professional. They went over and above to ensure a smooth process and have more than exceeded our expectations. My wife and I are extremely happy and will be lifelong customers. Thank you for everything you have done”.
Reece and Hayley H – November 2018


“Tracy responsiveness reassurance and effort to take care of me provided an individual experience. Tracy and her team at Home Loan Connexion have been helping me and my family for so many years. They helped us improve our position with our first home which we bought about 20 years ago. We’ve changed jobs and cars and homes, pets have come and gone, and we’ve even welcomed a child. Along this journey we’ve always been able to trust Tracy and her team to help us with our needs, and to make accurate recommendations”.
Shaun S – Sept 2018


“Tracy went out of her way to get the best deal for my situation. She is very thorough and keeps you updated through the whole loan process”.
Ronald M – August 2018


“Tracy  made our dreams come true. Nothing was too much trouble and her excellent knowledge of finance products meant we found the right product for us. We’d highly recommend Tracy and the Home Loan Connexion team to anyone needing finance”.
Leigh-Anne G – July 2018


“Tracy and her team kept me well informed throughout the whole process. Everyone was in good spirits when I spoke to them and extremely courteous. I fully recommend Tracy’s service. Every question asked was answered and continual process updates were frequent. Never felt out of the picture. My circumstances were very difficult however this team especially Tracey put their all in to successfully assisting me”.
Sharon F – July 2018


“Tracy was very professional and quick to get back to me if I asked any questions or needed anything further from me. We were working on a tight deadline and Tracy and her staff did everything to make the outcome positive. Service is and was impeccable, this is the 2nd time I have used Tracy’s services and I can’t recommend her highly enough”.
Shauna S – April 2018


“Tracy and the Home Loan Connexion team were wonderful to deal with through the purchase of my first home. The process was smooth, easy to understand and I was kept up to date throughout the whole process”.
Chey M – May 2018


“Tracy was easy to talk to and she listened to my needs. She met up with me quickly and the whole process was smooth. She is a wonderful woman with a great knowledge of her industry and fantastic customer service, she did not disappoint. I’m in my home now and couldn’t have done this without her”.
Tarryn H – March 2018


“Tracey has been assisting me with finance for 13 plus years. I have recommended her to many friends and will continue to do so. Nothing is too much trouble and it is always a pleasure to be assisted by her and her team”.
Catherine S – Sept 2017


To discuss your lending needs or to have a confidential chat about joining our MAB team as a mortgage and finance broker –  give Tracy a call on 0417 738 469.

Tracy Kearey