Kirsty Gardner

Mortgage Broker

Finance with Kirsty

5.0 ( 23 Reviews)

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About Kirsty Gardner

Originally from the UK, Mortgage Broker Kirsty Gardner knows firsthand what it feels like to navigate a new country and still try to find a place to call home. That experience shaped everything about the way she works.

With over a decade in the finance industry, Kirsty's focus is on making the home loan process simple, clear, and genuinely stress-free. No jargon, no pressure, no one-size-fits-all solutions, just honest conversations and tailored guidance from start to finish.

Mortgage Broker Kirsty Gardner is particularly passionate about supporting first home buyers, families, and anyone new to Australia, because she has been that person, and she understands how much of a difference it makes to have someone truly in your corner.

She takes the time to walk clients through every step of the process in plain language, so they feel confident and informed, not confused or left to figure it out alone. Her goal is to find a home loan that works not just for right now, but for the long term.

Whether you have everything figured out or are just starting to explore your options, Mortgage Broker Kirsty Gardner is ready to help you get there with confidence.

Check your Borrowing Capacity with Kirsty Gardner

Check Borrowing Capacity

Find out how much you may be able to borrow in less than 60 seconds.

Loan Health Check

Find out how much you may be able to save by refinancing to a better loan.

Book Appointment

Book an Appointment with Kirsty Gardner to see how they can help.

Reviews for Kirsty Gardner

5.0

23 Reviews

Megan Morgan

Kirsty was fantastic with all aspects of supporting us with our application. She was always on hand when needed and gave us solid dependable advice to help us secure our mortgage. If we ever move I’d be reaching out to Kirsty straight away to help us navigate this.

Ben Sutcliffe

Kirsty has been fantastic and the best choice we made when thinking about buying a house. We joined one of her Facebook webinars a few months before purchasing to consider our options and from there she was always only ever an email away to help us to answer our questions to be pre-approved for finance and be in a position to submit offers. When we had an offer accepted, finance approval was done in a matter of days and she even helped us to sort cheaper home insurance too! Thank you so much Kirsty.

Laura Cunningham

Kirsty was great to work with. She was responsive to all queries and everything with our mortgage application went smoothly. 💯recommend …

Claire Harrington

Kirsty was efficient, knowledgeable, and secured us a fantastic rate. Highly recommend this mortgage broker for all needs.

Molly Davy

Kirsty was absolutely amazing from start to finish — I genuinely can’t fault her in any way. Buying a house is stressful at the best of times, but my journey was particularly emotional, and Kirsty supported me every step of the way. She even took the time to reply on weekends after home opens, which she never had to do. She truly went above and beyond. I can’t thank Kirsty enough for everything she did for me — I honestly miss our daily chats! She is incredibly knowledgeable and always works in the best interests of her clients, never for her own gain. From the very beginning, everything was transparent, and I always felt confident and supported in every decision. Getting onto the property ladder in WA was a real journey, but I’m finally there, and I couldn’t have done it without you, Kirsty — my absolute saviour! I will be recommending Kirsty to all my friends who are looking to get on the ladder. Thank you so much for everything. 💛

Chantal Paice

We couldn’t have done it without Kirsty. Her support throughout the entire process was exceptional—nothing was ever too much trouble. Kirsty went above and beyond every step of the way. Thanks to her impeccable organisation and professionalism, we were able to secure our beautiful home. We truly can’t recommend her highly enough.

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