Charmain Hughes

Charmain Hughes

Mortgage Broker at LoanChat
  •   5   (18 reviews)

About Charmain

With more than 20 years' experience in finance and lending, Charmain Hughes helps clients navigate complex lending scenarios with clarity and confidence. As a specialist in SMSF, residential, commercial and self-employed lending, Charmain works closely with clients, accountants and financial planners to structure lending solutions that align with long-term goals, not just immediate transactions. Her approach is simple: start with the goal, then work backwards. Whether purchasing a family home, building an investment portfolio, acquiring commercial property or exploring SMSF lending, Charmain takes the time to understand each client's circumstances before identifying the most appropriate lending pathway. She believes the right outcome starts with asking the right questions. Clients value her ability to simplify complex lending structures, explain lender requirements in plain English and identify potential roadblocks before they become problems. From the initial conversation through to settlement, she provides clear guidance, honest communication and a practical, strategy-focused approach. Based in Perth and assisting clients across Australia, Charmain has built a reputation for solving lending scenarios that others often find difficult, particularly in the areas of SMSF lending, self-employed borrowers and complex income structures. For Charmain, lending isn't just about securing finance. It's about helping clients make informed decisions and creating lending strategies that support their broader objectives. Because the right questions change everything.

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Charmain's reviews

  5  
Charmain has 18 reviewsacross 16 different locations, showing 6.
New Purchase review
She’s very thorough!
3 days ago
She’s very thorough!

Charmain has just helped my SMSF acquire finance for a residential property and all I had to do was email her copies of documents, sign some electronic forms and wait whilst she did all the magic behind the scenes! She knows her stuff and I felt confident through the entire process. Thanks heaps Charmain

Refinanced Loan review
Exceptional Communication and Support
2 months ago
Exceptional Communication and Support

Five stars for Charmain, I cannot recommend her services enough. Communication was clear and transparent and she took the time to explain everything in detail to my family and I so we felt confidant moving forward. Thanks to her hard work, finance was approved within days and it was smooth and easy from there.

New Purchase review
 dedicated to clients
2 months ago
dedicated to clients

Charmain is genuinely dedicated to her clients and this shines through in everything she does. Very easy to deal with and responds promptly to emails which for me was very important. Recommended!

New Purchase review
Patient supportive knowledgeable organised decisive
4 months ago
Patient supportive knowledgeable organised decisive

Charmain took time to assess my requirements before making recommendations to meet my circumstances and budget. Her knowledge and expertise gave me confidence. She went above and beyond liaising with the property agent to confirm my understanding and ensure I got the best option. I highly recommend Charmain if you are thinking of engaging a broker.

New Purchase review
Outstanding service from start to finish
5 months ago
Outstanding service from start to finish

Charmaine was absolutely fantastic throughout my property purchase process. Her market knowledge, communication and professionalism were outstanding. She was always responsive, patient and willing to explain every detail clearly, which made the whole experience smooth and stress-free. I truly felt supported and confident with her guidance. I would highly recommend Charmaine to anyone looking for a trustworthy and dedicated professional.

Refinanced Loan review
Highly Recommend!
7 months ago
Highly Recommend!

Charmain was extremely helpful when were looking at options for our mortgage. She was open, honest and upfront with what was achievable for us and really listened to what our needs were as a family to put together a plan that would help us get to the next step of a bigger family home. She made us feel at ease with the whole process. Her and her team are great! We would definitely recommend her services!

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