From moment of fist contact to moment of settlement Gillian was only ever a text, email or phone call away. (Often staying on the phone with me while I make sure I printed the right documents.) Gillian broke down figures in an easy to understand way. Compared products and suggested options. The process was less than two months between initial contact and settlement. I ended up lessening my repayments whilst being able to borrow a lump sum for small home improvements. Wish I had done it sooner!!!

Gillian is efficient, honestly and reliable. Gillian has over seen all of my financial decisions since 2018

I am forever grateful to Gillian. Following 2.5 years with a previous broker, Gillian worked her magic and helped me refinance in under 2 months and only 2 days before Christmas! Her communication was very prompt, friendly and outstanding and she just got the job done. 100 Stars! I am recommending Gillian only, to everyone now. Thank you for all your help Gillian, you have literally changed my life.

I’ve been working with Gillian for about 2 years, and she’s been absolutely fantastic. From my initial mortgage to refinancing with a different bank, she’s always been approachable, patient, and incredibly helpful. No question is ever too small, and she explains everything in a way that’s easy to understand. Her support has made the whole process so smooth and stress-free. I can’t recommend Gillian highly enough!

We purchased our first and second properties with the help of Gillian and her team. From the first email through to settlement, Gillian was an absolute pleasure to work with. Any issues that arose were sorted almost instantly. I would highly recommend Ruby Financial Services to anyone looking for an easy and stress-free mortgage experience.

When no one would help me because I wasn't worth the 'money' as I only required a small mortgage, Gillian was the only one who accepted the challenge. For a small fee she was worth every penny and she went above and beyond the nickels and dimes too!! Her after care has been amazing too. Look no further I can't recommend Gillian enough x1000.

Gillian is committed, professional and transparent, she goes out of her way to ensure that you understand every step of the process and makes you feel supported as well as listened to at all times. This is the second time I have used Gillian’s services and would not hesitate to highly recommend her.

Where do I even start? Gillian is honestly incredible at what she does. As a first home buyer I was incredibly overwhelmed but Gillian made the entire process so smooth and reassured and supported me the entire way. Gillian replied almost immediately to any query or question at any hour and went above and beyond to support me. I am so grateful for the incredible job she has done. On top of all of this, she was incredibly friendly and kind to me, making me feel so comfortable no matter what question I sent her way or how many times I’d asked it. Keep up the amazing work Gillian, you’ve been a superstar :)

If you’re looking for a knowledgeable, reliable, and approachable financial expert, I highly recommend Gillian at Ruby finance. She truly made a positive impact on our financial well-being. Working with Gillian has been nothing short of exceptional. From the very beginning, she demonstrated a rare combination of professionalism, market knowledge, and genuine client care enabling us to purchase our third home. She takes the time to understand your goals, explain every step clearly, and offer valuable insights that make even complex decisions feel manageable. Thanks to Gillian, the entire process was smooth, efficient, and stress-free.

Gillian was honestly amazing. She was so patient, professional, and made the whole process so much easier. As a first-home buyer, everything felt pretty overwhelming at first, but having her guide me through the finance and home-buying steps made me feel less stressed out. Her communication was also great — even when she wasn’t officially clocked on, she still replied so quickly and kept me updated. Her knowledge of finance and the whole house-buying process was also incredible. I asked what I thought were “silly” questions, but she never made me feel that way and always encouraged me to ask anything. Thank you for everything, Gillian. 🩷

I engaged Gillian a second time after selling my home to purchase another. Absolutely fantastic person to work with, provides great options in terms of mortgage loans and will happily provide a response to all questions relevant. I definitely recommend Gillian for her services 10/10!!!

Working with Gillian was an absolute pleasure. She guided us through every step of the home loan process with professionalism, patience, and genuine care. Her clear communication and expert advice made what could have been a stressful experience feel smooth and straightforward. We always felt supported and informed. Highly recommend Gillian to anyone looking for a knowledgeable and friendly mortgage advisor.