Turab Momin
Elizabeth Park,SA
Summary
Senior mortgage broker with over 10 years of experience in delivering complex lending solutions across residential, investment, construction, and development finance. Proven track record in structuring loans for builders, developers, and property investors, including company trusts, SMSFs and other complex loan structures. Recognised for strong analytical skills, risk assessment, and compliance expertise, achieving high approval and settlement rates even from challenging lead sources.
Overview
10
10
years of professional experience
Work History
Senior Mortgage Broker
Fouracre Financial
01.2025 - Current
- Act as the exclusive finance broker for Australia’s Top Buyer’s Agency, Investor Kit, partnering with property consultants and buyer’s agents to deliver integrated, tailored finance solutions aligned with each client’s property goals and investment strategy.
- Develop and present customised lending strategies across a range of ownership structures—including personal, trust, SMSF, and company—optimising for tax efficiency, asset protection, and scalable portfolio growth.
- Maintain expert-level knowledge of lender policies, credit criteria, and market trends, providing proactive, up-to-date advice and adapting swiftly to changing conditions.
- Structure finance for complex scenarios, including multiple property acquisitions, individual or corporate trust structures, SMSF lending, bridging loans, off-the-plan purchases, and construction finance.
- Guided clients through negotiations, due diligence, and decision-making, ensuring alignment with buyer’s agent for optimal outcomes.
- Streamlined finance process, enabling rapid client action on property opportunities and reducing time from search to settlement.
- Identified and mitigated risks like low valuations and lender policy changes, providing alternative finance solutions to maintain transaction momentum.
- Operated effectively in a high-volume environment, managing over 10-15 files at various stages from initial strategy session to settlement, and providing direction to credit analysts, MIR followers, and settlement officers.
Home Loan Consultant
Lendi Group
06.2022 - 01.2025
- Converted over 21% of low-intent internet leads into settled loans, surpassing industry averages.
- Assessed financial readiness of internet-based leads to prioritize high-potential clients and enhance conversion rates.
- Responded promptly to online inquiries, capitalizing on prospects' interest for optimal engagement.
- Synthesized verbal financial information into actionable client profiles for effective advice and support.
- Presented compelling lending solutions without full documentation, inspiring clients to advance in the loan process.
- Conducted phone and video consultations to establish trust and guide clients through loan procedures.
- Managed high volumes of applications while ensuring accuracy, compliance, and timely processing in fast-paced environments.
Mortgage Broker
Rivergum Homes
06.2020 - 06.2022
- Provided personalised mortgage advice and solutions to clients purchasing newly built homes, house-and-land packages (including those with extremely low deposits 3-5%), or off-the-plan properties, helping them achieve homeownership or investment goals.
- Prepared, submitted, and secured approval for highly complex builder-structured loans—including exclusive products available only to a select group of accredited brokers—and structured owner builder loans by guiding clients through lender requirements, budgeting, permits, and staged drawdowns unique to self-managed construction projects.
- Arranged and managed loans for homes under construction (work in progress), overseeing progress payments and ensuring all lender and builder requirements were met at each stage.
- Facilitated off-the-plan loans for development projects, ensuring alignment with extended timelines and client needs.
- Researched lender policies, construction loan products, and builder-specific finance options to verify client eligibility and enhance satisfaction.
- Explained intricacies of construction and development loans, detailing progress payments, drawdowns, and contingency planning for project delays or changes.
- Coordinated with builders, developers, settlement agents, and other professionals to streamline the finance process and ensure timely settlements.
Loan Processor
Complete Finance Management
09.2019 - 10.2020
Independent Mortgage Advisor
Loanstream
10.2019 - 06.2020
Mortgage Advisor
Keystart Finance (Hickinbotham Group)
09.2018 - 01.2019
Mobile Mortgage Broker
Aussie Home Loans
07.2016 - 09.2018
Education
Diploma of Finance & Mortgage Broking -
ISM / Aussie Home Loans
07-2018
Certificate IV in Mortgage Broking -
ISM / Aussie Home Loans
09-2016
Certificate III in Business -
Navitas
07-2010
Master of Commerce (Finance & Accounting) -
University of Ballarat
07-2009
Bachelor of Commerce (Accounting & Finance) -
Gujarat University
India12-2002
Skills
- Mortgage solutions and loan structuring
- Credit evaluation
- Financial analysis
- Regulatory compliance
- Risk assessment and management
- Data investigation
- Analytical pattern recognition
- Problem solving
- Sales-driven approach
- Client management
- Negotiation skills
- Sales team collaboration
- Attention to detail
- Effective communication and collaboration
Affiliations
Stock Trading: Passionate retail trader with hands‑on experience analysing financial data, identifying patterns, and managing trading risks.
Reading and Research: A strong interest in non-fiction reading and learning.
Travel & Leisure: Travel and film enthusiast, supporting balance, creativity.
Reading and Research: A strong interest in non-fiction reading and learning.
Travel & Leisure: Travel and film enthusiast, supporting balance, creativity.
Timeline
Senior Mortgage Broker
Fouracre Financial
01.2025 - Current
Home Loan Consultant
Lendi Group
06.2022 - 01.2025
Mortgage Broker
Rivergum Homes
06.2020 - 06.2022
Independent Mortgage Advisor
Loanstream
10.2019 - 06.2020
Loan Processor
Complete Finance Management
09.2019 - 10.2020
Mortgage Advisor
Keystart Finance (Hickinbotham Group)
09.2018 - 01.2019
Mobile Mortgage Broker
Aussie Home Loans
07.2016 - 09.2018
Diploma of Finance & Mortgage Broking -
ISM / Aussie Home Loans
Certificate IV in Mortgage Broking -
ISM / Aussie Home Loans
Certificate III in Business -
Navitas
Master of Commerce (Finance & Accounting) -
University of Ballarat
Bachelor of Commerce (Accounting & Finance) -
Gujarat University