Pene McIntyre – Wangaratta Personal Mortgage Adviser

Pene has worked in lending for over 18 years, across retail, agribusiness and business banking. This diverse experience means she has an excellent knowledge of the broader finance market and a unique understanding of the challenges of dealing with different lenders.

Pene is dedicated to providing an outstanding customer service and can assist all borrowers including home buyers, those refinancing or renovating their property and property investors – both residential and commercial.

Personable, approachable and a proactive listener, Pene strives to get to know her clients so she can fully understand their lending needs right from the start. She has access to over 25 lenders, so she can then match your lending requirements – and your long term finance goals – to the right loan. She will also negotiate with her network of lenders to ensure you get a competitive rate.

“The key to providing excellent service is communication,” says Pene.”I pride myself on keeping in regular contact with clients throughout the loan process, providing updates and keeping in touch post-settlement. Open communication means no misunderstandings, which ensures my clients can make educated and sensible decisions about their financial future.”

Pene grew up in Myrtleford and works throughout North East Victoria and Southern New South Wales. She offers a fully mobile service and is happy to meet with clients where and when it suits them.

  • Women in Finance Awards Regional Professional of the Year Finalist 2021
  • Smartline High Achievement Award 2021
  • Smartline Client Care Award 2020

Lauren Heddle – Wangaratta Personal Mortgage Adviser

Lauren Heddle is an experienced, friendly and down-to-earth personal mortgage adviser who has an in-depth understanding of the particular needs of local residents in north-east Victoria.

‘I have lived in north-east Victoria all my life and run a farm in the area,’ she says. ‘I am very familiar with the local market, and appreciate the challenges faced by residents, business owners and farmers who live and work across the region,’ she says.

Lauren has worked in the banking and finance industry for 14 years, and has spent 12 years writing all types of finance for a broad range of clients. She combines her excellent product knowledge with a can-do attitude and customer-focused approach, providing insightful, honest advice and helping identify loan solutions that align with her clients’ current and future needs.

‘It’s important to me that my customers have a full understanding of the loan they’re signing up for, as well as what to expect during the actual application process,’ Lauren says. ‘For me, communication is key: I constantly keep my clients updated on where their loan file is up to, am available on the phone or via email, and I’m always happy to answer any questions.’

Lauren is able to assist clients with all their borrowing needs, including home loans, business loans, asset finance, investments and commercial lending. She offers a mobile service across all of north-east Victoria and the NSW border region.Smartline
email, and I’m always happy to answer any questions.’

  • Smartline High Achievement Award 2021