Founded by Morgan Owen - a state-winning, award-recognised broker - Penny Finance was built for borrowers who deserve straight answers and serious advocacy. We don't work for the banks. We work for you.
From your first meeting to settlement and beyond, you'll deal with one team that knows your file, your goals, and the lenders most likely to say yes. We benchmark your rate every year so you never quietly drift onto a worse deal.
Whatever you're financing, we've built a panel and a process for it. Pick the path that fits - or call us and we'll tell you which one does.
Real people, real expertise. Get to know the team that will guide you from pre-approval to settlement and beyond.
Founder & Director
The dynamic Founder, Director, and Senior Finance Specialist at Penny, Morgan has been revolutionising finance broking since 2017. Specialising in residential, commercial, and development finance, she empowers others to build unique property portfolios.
Book a Call with Morgan
Mortgage Broker
A passionate Mortgage Broker with nearly five years of expertise in residential, commercial, and SMSF lending, Imogen masterfully guides first-time homebuyers, investors, and affluent clients toward their property dreams.
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Credit Analyst
Our dedicated Credit Analyst, George transitioned from Deloitte to seek a more fulfilling role. Known for his commitment and care for Penny clients, he has continued kicking goals since joining the team.
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Mortgage Broker
With a background in sales, Clayton brings a people-first approach to every client interaction. Known for his quick wit, calming attitude, and ability to keep the process moving smoothly from start to finish.
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Settlement Officer
Our settlements whisperer, Xena effortlessly takes the stress out of multi-party settlements. Her impressive background as an analytical business adviser and project manager sets her apart.
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Loan Processor
Our energetic Loan Processor, Finn brings the same dedication to his role as he does on the hockey field as a state representative. A client and customer service whiz, Finn ensures each loan application gets approved quickly.
Book a Call with FinnWith 90+ 5-star Google reviews, we're proud to be the most recommended team in the Inner West.
Morgan and the team made our first home purchase feel completely stress-free. They explained every option, negotiated us a sharper rate than our bank offered, and were responsive at every step. We genuinely felt like they were on our side.
I've now used Penny Finance for three properties across my investment portfolio. Morgan understands complex structures, finds lenders that say yes, and proactively reviews my rate every year. Best broker I've worked with - hands down.
Two banks declined our application before we found Morgan. She took the time to actually understand our self-employed income and got us approved within a fortnight. Could not recommend Penny Finance more highly.
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The people we work with and recommend are carefully selected. They are our extended team. We want to ensure they bring aligned values and a common focus. In a nutshell they have to be Really, Really Good!
A free 15-minute chat to understand your goals, share our approach, and answer any burning questions upfront.
