Xia Xia Yu

I’ve been in the banking and finance industry for over 12 years, predominantly with one of Australia’s biggest banks, and have helped hundreds of clients with their finance needs, from home loans to investment loans and business loans.

I started my Smartline franchise in early 2019 and haven’t looked back. I love being able to help people get ahead financially, and now that I’m not working for a bank, I can offer my clients so many more loan options. I love being able to help them choose the most suitable loan regardless of which lender it is with. On a personal note, Smartline is a great company to work for as we all help each other – rather like a family – and this brings a certain sense of contentment to my every day.

I love a challenge and enjoy tackling the complex and varied lending industry to give my clients the most suitable loan. I think in most cases they wouldn’t have had as good a financial solution without my help, and that inspires me to continue helping others. I’m always very happy to hear about more females joining the finance industry; it is happening, slowly, as the barriers come down.  There are so many female success stories coming out of the industry now, which shows that we can achieve a great deal even in a male dominated industry.

Favourite quote?

You will discover that you have two hands, one for helping yourself, the other for helping others – Audrey Hepburn

Favourite movie?

Slumdog Millionaire. This is a movie that presents the brutal side of life and reminds us of those who are less fortunate and struggling day in and day out. It also shows the love and passion one can have about life which can bring forth positive changes. Many years ago, I heard ‘The Nature of Attitude’ – “Our lives are not determined by what happens to us, but how we react to what happens; not by what Life brings to us, but by the attitude we bring to life. A positive attitude causes a chain reaction of positive thoughts, events, and outcomes. It is a catalyst … a spark that creates extraordinary results.” We all have this spark in us that creates extraordinary results!

What gets you out of bed every day?

The opportunity to give my clients a better financial outcome gets me out of bed each day. Getting the right loan can help people build their personal wealth and this can have a positive effect on their future. It’s very fulfilling to know you are making a real difference to someone else’s life.

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