Charlotte Rubbo is a Perth-based Mortgage Broker with IMFS (In Mortgages & Finance Services), serving clients all over Australia. With a Business Finance degree and her own investment property portfolio, she brings both professional expertise and real-world experience to every engagement.
Charlotte specialises in property purchases, refinancing, debt consolidation, and investment property finance for first-home buyers to established investors. Her hands-on experience with subdivision projects and project management provides unique insights into client challenges.
With a 5 star rating, clients praise her clear communication, responsiveness, and ability to simplify complex mortgage processes. Charlotte's combination of formal education, personal investment experience, and genuine commitment to client success makes her a trusted finance advisor.
5.0
42 Reviews
5
4
3
2
1
Michael H
Charlotte Rubbo Mortgage Broker and Finance Consultant My wife and I are very grateful for Charlotte's help over the years. She has assisted us with refinancing of our home mortgage, and also played a very crucial part in helping with the finance to our new home. She's done it again for a recent investment property acquisition for us! Charlotte has been able to help when no bank (even our own bank) could with getting our finance across the line. So much so that we tell everyone whom we know who have given up or is experiencing a hard time getting finance, to see Charlotte as a last resort. Charlotte went the extra mile to help get the best deal and finance arrangement for us and our family and this is regardless of the size of the deal. Her efforts shows foresight and her experience in the field clearly shines above others. We strongly recommend using Charlotte for all your mortgage needs. We send all our friends and family to her for the reason that we know they will be well looked after.
Salome I
Charlotte Rubbo my mortgage broker, she has been such a great help and has made my finance approval go through effortlessly. Buying my first home has been overwhelming but Charlotte stepped me through the whole process so clearly from the day my offer got accepted. I would 100% recommend Charlotte for your home buying journey. Thank you so much Charlotte.
Joe Martino
Mortgage broker, Charlotte Rubbo looked after me recently to refinance my home loan. I can't recommend Charlotte highly enough. She made the whole process quick and simple and took the time to present the various options available so I could make an informed decision about what was best for my situation. Took the stress out entirely while I was busy juggling many other things. Thank you for being a superstar, Charlotte.
Dyani Robinson
I couldn’t recommend Charlotte highly enough. I originally chose Charlotte after seeing her own property experience and portfolio on the IMFS website, which really stood out to me. Charlotte helped me with my first property purchase and, more recently, supported me through a refinance. Charlotte and her team have been incredibly helpful throughout, taking the time to understand my situation and discuss my options. She is knowledgeable, professional, approachable and genuinely invested in helping her clients achieve their goals. I’m very grateful for all her help over the years and wouldn’t hesitate to recommend Charlotte to anyone looking for a mortgage broker.
Andrea Spreckley
Charlotte Rubbo Mortgage Broker I can’t thank Charlotte enough for everything she did for me. My circumstances were far from straightforward, and I wasn’t sure my refinance would even be possible. From our very first conversation, she treated me with kindness, respect, and genuine care. Throughout the entire process, she was incredibly professional, patient, and supportive. She explained everything clearly, kept me updated every step of the way, and was always available to answer my questions. What could have been an overwhelming and stressful experience became so much easier because I knew I was in capable hands. Her knowledge, dedication, and persistence was outstanding. She worked tirelessly to find the best solution for me and never gave up, even when challenges arose. Thanks to her hard work, I achieved an outcome that has given me real peace of mind and a fresh start. If you’re looking for a mortgage broker who truly cares about their clients and goes above and beyond to achieve the best possible result, I wholeheartedly recommend Charlotte Rubbo. Her professionalism, honesty, and commitment are second to none, and I am incredibly grateful for everything she has done for me.
Bradley Hatch
Used IMFS to help with securing a new mortgage during a very challenging time in my life. Charlotte Rubbo (Mortgage Broker) was incredibly considerate, helpful and patient with me as I dealt with other issues that held up the process.
Areas Serviced
Specialties
Property Investors & Subdivisions
Owner Occupied Loans
Home Loan Refinancing
Construction Loans
Experience
Lender Count: 30
Broker Since: 2014