What people are saying.

  • "Emilie was absolutely amazing from first contact, with an exceptionally friendly and professional persona. She explained every step that we were going through, including covering all the details of the hurdles that we experienced and why the bank was asking the questions they were. She was also exceptionally approachable, answering my calls and emails at all hours (and I work at some very early hours of the morning) Emilie's professional and friendly approach to the entire loan process made the entire process simple and enlisted confidence that I was able to proceed through each step with no issues. I look forward to working with Emilie again in the future as soon as I am ready to commence my investment portfolio."

    — Mark

  • “I started engaging Kimberly when I started to have problems with the bank and getting loans. I had 1 principal property and 1 investment property for which I had sought finance from the bank prior to hitting a wall with serviceability. I had a relatively good idea of where I was going and what I wanted to achieve but I was held back as I was self-employed and considered high risk. I’ve had experiences going directly to banks and been shut down before because my loans are ’too complicated’ or too complex for them to do. Since meeting Kimberly, I have secured 8 more investment properties all with major banks. Kimberly took the time to understand my business financials, took on the complex scenario and used her extensive knowledge on bank policy to deliver the outcomes I needed. I couldn’t rate her any higher as a mortgage broker. Kimberly's knowledge and skill is next to none and I’m grateful for the hours and lengths she will go to for her clients.”

    — Joshua

  • "We can’t recommend our brokers Giorgia and Kimberly enough, as well as the rest of the Xcel Finance team. Buying land is stressful enough, but throw a global pandemic and maternity leave into the mix and the anxiety of getting home loan approval really goes up. Giorgia and Kimberly were there every step of the way and went the extra mile to find the best home loan for our circumstances. Their response time was incredible and any of our questions or concerns were met with great explanation that put our minds at ease. We know for sure who we will be recommending people to, and will definitely be using Xcel Finance again in the future. Thanks to Giorgia, Kimberly and the rest of the Xcel Team, we now get to look forward to building our dream family home, that we can create beautiful memories in with our little 6 week old daughter."

    — Brieanna

  • “Kimberly and her team did a phenomenal job helping us secure our home loan. They went well above and beyond to assist us on our journey to find our home. They were patient and understanding of our changing circumstances and were always very prompt with all of their responses. We would highly recommend them and look forward to using their services again in the future.”

    — Jessica & Kevin

  • "It was several years of battling with my bank to negotiate a better home loan rate with no luck that I decided to speak with Kimberley to see if she could assist us. Kimberley and Emilie had a deal approved within weeks without me having to lift a finger. Emilie kept me up to date throughout the whole process and was invaluable. By changing our structure and interest rates we are now saving thousands of dollars a year. We highly recommend speaking with the girls to see what magic they can do for you Thanks so much ladies."

    — Nicole & Trevor

  • "We have recently had the pleasure of meeting Kimberly & the team at XCEL finance & Linder group, who have now transformed our lives for the better. Kimberly worked tirelessly to get us prompt finance approval so we could secure not 1 but 2 blocks of land to build our investment portfolio. The process was effortless and was a real pleasure to work with the team. Our questions were always answered swiftly and honestly. We were reassured everything would work out well and it certainly did. We will be forever grateful for all the advice, guidance and support we received along the way. We feel blessed to have had the opportunity to work with both XCEL finance & Linder group on this journey, and although our journey has just begun we look forward to a long and successful relationship with the team. We have absolutely no hesitation in recommending Kimberly and the team @ XCEL for all your finance needs and who will definitely turn the dream into a reality. "

    — Viv & Matt

  • “The team at XCEL Finance are professionals and very good at what they do. They helped us twice, first with an initial mortgage and the second time with a refinancing. On both occasions, Kimberly and Giorgia were able to take our requirements, filter out the noise and hone in on the best mortgage for our circumstances. Their tenacity in following up the applications and ability to adapt to changing circumstances without any problems is truly remarkable. They were always on the ball, accommodating and extremely efficient, conducting all our business over emails and phone calls. We wouldn’t hesitate recommending XCEL Finance to anyone who needs help with their home financing"

    — K.B Ruban

  • "Giorgia and the team at XCEL Finance have helped us start to build our investment portfolio over the last few years. They are so amazing at what they do. The whole process is well explained, simple and stress free from start to finish. I can’t recommend them enough!"

    — Eliza

  • “I’m so glad I had Kimberly go over my portfolio. She saved me over $45,000 a year!! Thanks Kimberly!!”

    — Alison

  • "Xcel Finance has afforded us an opportunity to begin investing and building our property portfolio which we didn’t think was possible so soon after purchasing our first home. Our experience so far has been so efficient and with the least amount of stress – it makes us want to purchase more properties! We are so excited to be kicking goals with the support and guidance of Kim and Emilie having our backs along the way."

    — Liz & Lachy

  • I am 100% satisfied with the way Giorgia has dealt with my case. She has been, from start to finish, the best I could ever ask for. Always happy to answer questions, happy to go above and beyond for me. Truly has made this whole process so much easier and stress free. I can't thank her enough for what she has done for me and will definitely be getting my business again. Highly recommended!

    — Mikael & Brooke

  • "After having trouble with a previous mortgage broker stuffing us around for about 4 months in the remortgage of our house we contacted Xcel Finance to see if they could assist us. Being a small business owner the process was never going to be straight forward however Emilie and her team had our loan sorted far quicker than we could have imagined. They kept in regular contact with us so we knew exactly what stage we were at every step of the way and found a loan that suited our situation and our needs. We are very grateful for their help in making the whole process so simple after our previous issues. Thanks again Emilie and the team at Xcel Finance!"

    — Leon & Karlie

  • "Xcel Finance have been a game changer for our investment journey to date. Kimberly mapped out a plan for us and what was possible if we followed the plan. We’ve now saved thousands by restructuring our loans and refinancing, we will now no longer tap out at our next purchase which we would have if we had not spoken to Kimberly. We worked closely with Emilie who was amazing and have just taken out another investment loan with Xcel Finance, could not recommend them more. Xcel Finance are very professional, thorough and truly care about their clients."

    — B & Nick

  • “The XCEL team made my recent refinance seamless. I didn’t have to lift a finger or think about anything. From when I began working with this committed team three years ago to now, they have been nothing but the best! They have assisted me in securing the best rates on my investments and are always fighting hard for the best outcome for me as their client. I trust them immensely and know that I and anyone else who does business with them is in the best possible hands. I rate them eleven out of ten! Highly recommend!”

    — Aidan

  • "Cannot recommend XCEL Finance enough for your first or next house purchase. Giorgia has jumped through every hoop and hurdle to ensure the best possible outcome, all whilst juggling her three beautiful babies. That's a powerful woman if ever I've seen one."

    — Bronte

  • In 2020, 3 members of my family purchased multiple investment homes through the amazing team at LINDER Group. We have owned the homes for about 4 years now in city of Toowoomba. We have just recently sold them and the investment returns have doubled and far exceeded our expectations. We have dealt with multiple team members from both the LINDER Group and XCEL finance throughout the past 4 years and they have all been knowledgeable, friendly and offer exceptional guidance when required. At the forefront of this amazing team is Giorgia Jones working in the finance arm XCEL FINANCE. Giorgia has made the process of buying and selling properties through her finance Knowledge easy and stress free. She has her customers at the heart of everything she does.

    — Darren

  • "Giorgia was incredibly professional but also had a real genuine side to her which made communicating and negotiating a breeze. We have worked together in the past and honestly, the team just keeps getting better! Giorgia was diligent at replying to us and if either of us were busy there would be a catch-up phone call later that day, without a doubt. It was a pleasure working with her and the team at Xcel. Thanks again Giorgia, Phoebe and I are very grateful."

    - Aaron & Phoebe