James Roy

Hattie Knutton

It was an absolute blessing to find James to guide us through the journey of buying our first home in Melbourne! I cannot thank him enough for his ongoing guidance and support throughout the process. We had some unique circumstances, including a foreign purchaser in a de facto relationship, but James guided us every step of the way. He is incredibly organised and methodical, always taking the time to explain things, demystify the process and answer our questions whenever we needed him. Despite his youthful looks, he brings years of experience and expertise to the table. He made what could have been an overwhelming experience feel smooth and straightforward, moving us through the process much quicker than I expected. I’ve already recommended James to all my friends, and I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, reliable and genuinely supportive mortgage broker.

Sun Lizard

James is an absolute dream to work with. He is patient, knowledgeable, understanding, efficient, friendly - we highly recommend him to everyone without hesitation. We were purchasing our first home & were very unclear & unsure about the whole process before we spoke with James. He never judged us, was able to concisely answer any questions that we had, and always had time to explain things to us. We felt so comfortable & confident after speaking with James & excitingly just settled on our house! He was with us every step of the journey, we literally couldn’t have done it without him!!

Alex Becker

James was fantastic to work with throughout the entire process. He took the time to really understand our situation, spent hours talking through different options, and explained everything in a way that was easier for us to understand. As first-time borrowers, that made a big difference. He was patient, thorough, and never pushed us in any particular direction. He offered ideas, but always respected what felt right for us. If you’re looking for someone who genuinely cares about helping you make a confident, informed decision, I’d highly recommend James.

Latham Smith

James is an outstanding mortgage broker who supported us every step of the way, from pre-approval through to settlement. He took the time to understand our needs, worked across a range of lenders to secure a competitive interest rate, and provided proactive, practical advice throughout the process, including on the property value, contracts of sale, loan structure and the benefits of offset accounts. James was always responsive, regularly checked in and made sure we knew what was happening and what we needed to do next. When an unexpected issue with the bank arose on settlement day, through no fault of ours or his, he spent the entire day following it up and pushing for a resolution to ensure our settlement went through that day. Knowledgeable, proactive, supportive and genuinely a great person to deal with. James made the whole process easier and gave us confidence that someone was firmly in our corner from start to finish. Highly recommended.

Nick Jarman

James made the whole mortgage process painless. He was communicative at every stage, quick to respond, and gave us full confidence we were in good hands - all the way through to settlement. Highly recommend if you want a broker who keeps you in the loop.

PhilinMelb

Working with James at Cultivate Finance was an absolute pleasure. From day one, he was incredibly helpful and informative, taking the time to explain every step of the process. What really stood out was how proactive he is—he stayed on top of every detail, ensuring everything was completed well ahead of schedule. James is exceptionally approachable and always made himself available to answer any questions or clear up any concerns we had. He took an immense amount of stress out of the entire experience. I can't recommend him highly enough!