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Home loans
Confident guidance for first homes, next homes, and refinances.
Finance solutions built around you.
Clear lending guidance for home, investment, personal and business goals—Australia-wide.
Based in Brisbane assisting clients across the Gold Coast, Queensland and Australia-wide
What we offer
Advice built around your next move.
Whether you are buying, building a portfolio, or financing a business, Genesis brings clarity to the lending process and confidence to the decisions ahead.
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Commercial loans
Flexible lending solutions for commercial property purchases and refinancing.
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Business loans
Practical finance to support business growth, cash flow, and new opportunities.
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Personal loans
Practical finance to support personal financial goals.
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Asset finance
Straightforward funding for vehicles, equipment, and essential business assets.
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SMSF loans
Practical finance to support SMSF investments and retirement planning.
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Years in finance
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Finance specialties
Brisbane
Local, personal advice
Why choose Genesis?
Lending guidance shaped around the person, not just the paperwork.
Genesis combines broad lending experience with practical support for residential, investment, commercial and business finance needs.
More than 22 years of lending and finance experience
Tailored solutions based on each client's circumstances
Access to a broad panel of lenders
Assistance with straightforward and complex lending scenarios
Residential, investment, commercial and business finance expertise
Clear communication throughout the application process
Australia-wide appointments
Multilingual service in English, Japanese, Chinese and Korean
Our process
A clear path from first conversation to ongoing support.
We keep each step practical, transparent and focused on finding loan options that fit your goals and financial position.
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Initial consultation
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Understanding your goals and financial position
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Researching and comparing suitable loan options
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Preparing and lodging the application
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Managing the process through approval and settlement
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Ongoing loan reviews and support
Our people
Experience that keeps the process human.
Our team brings deep lending and finance experience together with clear communication at every stage.
Yukiko Watanabe
Yukiko Watanabe is an experienced mortgage broker and Credit License holder with more than 22 years of experience in lending, finance, and customer service. As the founder and principal broker of Genesis Finance Solutions, she specialises in residential, investment, commercial, and business finance, helping clients navigate complex lending scenarios with confidence. Yukiko is known for her client-focused approach, strong lender relationships, and ability to deliver tailored finance solutions. Fluent in English, Japanese, and Chinese, she is committed to providing clear guidance and exceptional service throughout every stage of the lending process.
Oz Jung
Oz Jung established his mortgage broking career in Queensland in 2018 and has since built an impressive track record as a dedicated Broker and General Manager within the financial services sector. Holding a Diploma of Finance and Mortgage Broking Management alongside a Master of Social Work Studies from the University of Queensland, Oz uniquely bridges the gap between complex financial lending and client advocacy. His background in community welfare equips him with exceptional problem-solving skills, making him highly regarded for navigating intricate loan structures while delivering clear, practical, and deeply client-focused mortgage solutions.
Owen Terry Caterer
Owen holds a Bachelor of International Business from Griffith University, majoring in Mandarin, and a Graduate Diploma of Applied Finance. He has passed Level 1 of the CFA program and brings more than two decades of experience in wealth management and finance, including 15 years living and working in China. After rising to Chief Investment Officer of a multinational wealth management firm in Shanghai, overseeing US$400 million in portfolios, he founded his own expat wealth management business in 2011. Since returning to Australia in 2017, Owen has worked in finance and mortgage broking while remaining active in business and leadership.
Frequently asked questions
Clear answers before you take the next step.
Every lending situation is different, but these answers cover the questions clients often ask at the start of the process.
How much can I borrow?
Your borrowing capacity depends on your income, expenses, existing debts, deposit, credit history and lender policy. We can compare suitable lenders and give you a clearer view of your options.
How much deposit do I need?
Deposit requirements vary by loan type, property type and lender. Some borrowers may be able to proceed with a smaller deposit, while others may need extra funds for costs such as stamp duty and lenders mortgage insurance.
Can you help first-home buyers?
Yes. We can guide first-home buyers through borrowing capacity, deposit requirements, lender options, grants or schemes that may apply, and the loan application process.
Can you refinance my existing loan?
Yes. We can review your current loan, compare it against available options, and help you decide whether refinancing may improve your rate, structure, repayments or flexibility.
Do you assist self-employed clients?
Yes. We regularly assist self-employed borrowers and can help identify lenders that suit different income structures, business records and documentation levels.
Can you help with complex credit situations?
Yes. We can assess complex scenarios and work through lender options that may suit your circumstances, including unusual income, credit history concerns or more detailed application requirements.
What is an SMSF property loan?
An SMSF property loan allows a self-managed super fund to borrow to purchase eligible property through a specific lending structure. These loans have detailed rules, so professional advice is important.
Do you provide personal loans?
Yes. We can assist with personal loan options for eligible borrowers, including finance for personal goals, major purchases or debt consolidation needs.
Do you charge a brokerage fee?
Brokerage fees depend on the type and complexity of the lending scenario. If a fee applies, we will explain it clearly before proceeding.
Can you assist clients outside Queensland?
Yes. Genesis is based in Brisbane and assists clients Australia-wide through phone, video and online appointments.
How long does loan approval usually take?
Approval timeframes vary by lender, loan type and how complete the supporting documents are. We keep you updated throughout the process and help manage lender follow-up.
What documents will I need?
Common documents include identification, payslips or income records, bank statements, details of assets and liabilities, and information about the property or loan purpose. Requirements vary by lender and application type.