Joyce was referred to us by a friend who raved about a great experience with her. We also found Joyce to be incredibly professional, thorough and helpful at every step of the journey as we prepared to buy a home. As we're both pretty anxious about managing finances, we were very worried about over-mortgaging, but Joyce made sure we had all the info we needed to make the right decision for us. She was very patient in explaining the intricacies of the mortgage/finance process, and was so helpful in providing us with a range of options so we understood where we'd be financially if we bought a home at various points in our purchase price range. She was also wonderful and attentive in working with our Financial Planner and our Buyer's Advocate where required, to ensure our settlement process went smoothly. I would enthusiastically recommend Joyce to people who want a smooth and informed experience when getting a mortgage.

My partner and I were completely lost as first home buyers. We had no idea what to do or where to start. Then along came Joyce Cheng, our knight in shining armour. She rode in on a noble steed made of spreadsheets and loan calculators, ready to save the day. Joyce guided us through the whole process with patience, confidence and a good sense of humour. She turned what felt like a scary battle into something we could actually enjoy. She answered all our questions, no matter how small. She explained everything clearly and never once made us feel silly. She didn’t just help us get a home loan. She helped us feel calm and in control. Thanks to Joyce, we now have the keys to our very own castle. We couldn’t have done it without her. Joyce, thank you for being our hero.

I was very anxious about my first home loan but Joyce really helped me feel great about buying a house by using language I could understand and showing me multiple options so I could make the choices that suited me most.

Joyce assisted my partner and I in the refinance of our existing apartment and using the equity to purchase our new home. Joyce was positive, knowledgeable and personable, and explained processes and requirements so they were easy to understand. She always responded to my questions in navigating the process, and advocated for us every step of the way. Joyce has been excellent to work with and I would highly recommend her as a broker!

We recently purchased our first home and it was a pleasure to have Joyce as our mortgage broker. Buying a home was definitely stressful, but the mortgage was the least stressful part of it thanks to Joyce. She explained everything in detail, was quick to reply to any questions we had and kept us updated throughout the process so we always knew what was meant to happen and when. After finally signing a contract on a property, she went above and beyond to help us with some unexpected admin and liaised with the strata manager and the REA to get some technical documentation on the building that was requested by the bank. We would 100% work with her again if we were to purchase another property, and definitely recommend her to any first home buyers that, like us, feel a bit intimidated by the whole home-buying process.

We were so lucky to have Joyce as our biggest supporter during our first home purchase. She has gone over and above for us throughout every step of our purchasing journey and we can wholeheartedly say that without her behind us, we probably would not have just settled on our land to build our home. Her knowledge is incredible and she has responded clearly and promptly to any question we had about the process of home ownership, no matter how silly the question may have been. Being from NZ, we were not super aware of how the process of purchasing property worked in AU but Joyce was so knowledgeable on our situation and helped us to understand and feel confident in our purchase. We cannot recommend Joyce enough and will definitely be coming back to her in the future for our next purchase.

Joyce was super efficient, professional and helpful with it came to processing our very last monte home loan and finances. She was available to answer and questions we had and explain things promptly. We couldn’t have asked for a better broker.

Very knowledgeable, great communication, very friendly and gets things done quickly. Would highly recommend!

Joyce has been so helpful throughout this journey especially as a first home owner. She's friendly, knowledge and always there to answer all my questions. Made the whole process so smooth for me!

Joyce was the best broker my partner and I could have asked for. She’s efficient, reliable, knowledgeable, an excellent communicator - and just an all-round easygoing person who patiently answered every question I had. I first met Joyce a few years ago, but due to some life changes, I didn’t proceed with a purchase. Fast forward a few years, I was ready to buy with my partner and reached out to her again. Not only did she remember me, but she was also quick to get us pre-approval despite office closures. Throughout the process, Joyce was a constant source of support - through every inspection, every auction that fell through, and especially when we were finally successful. She was one of our biggest cheerleaders. Even when settlement got rocky, she stayed in regular contact, advocating for us and reassuring us every step of the way. She truly went above and beyond her job description. I rarely leave reviews, let alone five-star ones, but I highly recommend Joyce (and have recommended her to my friends already!). Buying a property was the best part of this experience. The second best was having Joyce in our corner.

Joyce exhibited the most professional expertise possible. Her attention to detail, follow-up and keeping us informed every step of the way was beyond expectation. Highly recommended.

Joyce was an absolute pleasure to deal with from the outset. She always explained answers to every question I had (and there were many!) in a calm and easy way for me to understand. Joyce was kind, incredibly patient and we were delighted with the outcome! We will be returning to engage Joyce for her services again soon.