Meet Christine
I started with numbers.I stayed for what they make possible.
Before mortgage broking, my work in research and banking taught me to look closely at the numbers, the assumptions and the trade-offs behind a decision. I became a mortgage broker in 2015 and have carried that approach into every lending scenario since.
Today I work with business owners, property investors, developers and home buyers whose finances don’t always fit neatly into a standard bank application. I’m Brisbane-based and work with clients Australia-wide.
How I got here
Commerce and finance foundation
I began with a Bachelor of Commerce (Honours) at the University of Queensland.
Research and banking
I worked in research and banking, including as a Property Research Analyst. It taught me to look at the assumptions behind a number, not only the number.
2015 · Mortgage broker
I became a mortgage broker. Broking is where the numbers meet real decisions: what someone owns, what they owe and what they want to do next.
Mortgagepedia
I founded Mortgagepedia as the home for my practice and for what I’ve learned along the way: the calculators, the plain-English explanations and the worked examples on this site.
Now · Strategic property finance
Today my focus is complex property finance for business owners, investors, developers and home buyers whose lending needs more than a standard application. I also work on SMSF, commercial and asset finance where they fit the wider plan.
Why I do this
“Finance is not the end goal. Freedom is.”
A loan is a tool. What matters is what it lets you do: build a business, grow a portfolio, buy a home, or have more time and more choice. That is why I explain the structure behind a recommendation, not only the outcome. Better understanding creates better choices.
How I think
Clarity
You should understand why a structure is being recommended — not simply be told which lender to choose.
Choice
Understand the options before you choose the lender.
Long-term thinking
I look beyond just getting the loan approved. The right structure today can create more flexibility for the next move.
Christine’s view
Rate matters. Structure can matter more.
What I am known for
Experienced
Mortgage broker since 2015.
Thorough
Complex income, entities and property scenarios need lender-policy knowledge, not generic rate shopping. I compare policy, structure and trade-offs, not just rate.
Strategic
I look at what a structure does to your flexibility and borrowing capacity next, not only whether the loan is approved.
Where that shows up
Complex lending
Scenarios that don’t fit neatly into a standard bank application.
Self-employed borrowers
Tax returns are only one part of the picture. Depending on the lender, company financials, retained profit and add-backs can all affect how borrowing capacity is assessed.
Trusts and companies
Borrowing through a trust or a company brings its own lender-policy questions.
Investment and development finance
Portfolio structure, site purchases and development finance, with the next move in view.
General information only. It does not take your objectives, financial situation or needs into account. Lending is subject to lender assessment and criteria. This is not a quote or an offer of credit.
Credentials
- BCom (Hons), University of Queensland
- Mortgage broker since 2015
- MFAA member
- Languages: English · Indonesian · Mandarin · Korean
Network awards
Aggregator of the Year 2021
Aggregator of the Year 2020
Aggregator of the Year 2019
Major Brokerage of the Year 2018 — Franchise
Network awards held by Loan Market Pty Ltd (ABN 89 105 230 019, Australian Credit Licence 390222), the licensee. Christine Junidar is an authorised credit representative and did not personally receive these awards.
Where to begin
Complex scenarios welcome.
Tell me the objective, the property if there is one, and anything that makes the situation unusual. I’ll let you know the most useful next step.
Or call me on 0401 175 490.