Headquarters:

4/403 Hume Highway, Liverpool, NSW 2170

Year founded:

2017

Number of employees:

Phone:

02 9821 3483

Email:

enquiries@rethinkfinancing.com.au

Website:

rethinkinvesting.com.au/rethink-financing

LinkedIn:

linkedin.com/company/rethinkfinancing

“Having four insurance designations, and the wealth of knowledge that comes with it, enables me to better counsel customers regarding the importance of having the appropriate insurance coverage”

Saray Uribe, CharSan Insurance & Consulting

Son Pham

Managing Director

Nathan Nguyen

Broker

Alex Gomes

Broker

Leadership

With a robust background in wealth management, Son Pham has been a cornerstone at Rethink Financing as a mortgage broker for the past seven years. He brings a wealth of experience from major institutions, including Commonwealth Bank and AMP, and has spent over a decade in private practice as a financial planner. His transition into lending was a natural progression, leveraging his comprehensive understanding of clients’ entire financial positions, including their liabilities. Pham’s dual expertise in financial planning and mortgage brokering equips him with tremendous knowledge of strategies and structures, allowing him to offer well-rounded financial solutions. He and his team prefer the term “leverage” over “debt,” highlighting a positive approach to financial growth. Over the past seven years, Pham has focused extensively on educating clients about the benefits of positively geared properties through commercial property investments. His dedication to this niche has led him to focus solely on lending, leaving financial planning behind. Under his leadership, Rethink Financing has grown to include over 10 brokers and a team of support staff, with plans for further expansion. Pham considers commercial lending a unique and specialised sector, and his team’s deep knowledge continues to drive their success and client satisfaction. Outside of work, Pham enjoys spending time with his family, gaming and motorsports.

Managing Director

Son Pham

Nathan Nguyen has been a dynamic presence in the wealth management and financial services industry since 2006. Beginning his career as a business development professional with one of Australia’s leading banks, he quickly distinguished himself by partnering with some of the country’s top financial advisory firms. His role involved assisting these firms in building and preserving their clients’ wealth, gaining him invaluable exposure to a diverse array of industries and ideas. Nguyen’s extensive experience includes a profound understanding of all things lending, including residential and commercial. His knowledge in these areas ensured that clients seeking commercial finance solutions received expert advice tailored to their unique personal and/or business needs. With nearly two decades of experience, Nguyen has developed an exceptional grasp of the intricate mechanics of finance. He knows what works and, just as importantly, what doesn’t, allowing his clients to benefit from his deep knowledge and fast-track their own financial improvement. As a senior broker, Nguyen brings a wealth of expertise and a strategic approach, ensuring his clients receive unparalleled guidance and support on their journeys to financial abundance.

Broker

Nathan Nguyen

Alex Gomes, a rising star, has brought his bright energy and expertise to the Rethink Financing team for the past year. Despite his relatively short tenure with the company, he has already proven himself to be a formidable force. With prior experience as a seasoned credit analyst, he brings a wealth of expertise to the table, enhancing the team’s capabilities significantly. Driven by ambition and dedication, Gomes consistently strives for excellence in all his endeavours. His fresh perspective and innovative ideas breathe new life into projects, propelling the company towards greater success. Gomes’s passion for learning and growth fuels his journey towards becoming a top performer in the industry. With each day, he demonstrates an unwavering commitment to his craft, eager to surpass expectations and make a lasting impact. As he continues to ascend in his career, one can anticipate even greater achievements and contributions from this exceptional talent.

Broker

Alex Gomes

“Having four insurance designations, and the wealth of knowledge that comes with it, enables me to better counsel customers regarding the importance of having the appropriate insurance coverage”

Saray Uribe, CharSan Insurance & Consulting

Leadership

“A true leader can see potential in different employees, regardless of their position. Listening and recognizing the value of each individual not only inspires them but also makes them grow professionally”

Saray Uribe, CharSan Insurance & Consulting

Leadership

Abhishek Shahi

Broker

With a fervent passion for innovative financial solutions, Abhishek Shahi emerges as a seasoned lending specialist known for delivering exceptional customer service. With a background rooted in non-bank lending and now flourishing as a broker, he brings extensive expertise in crafting intricate loan structures to cater to diverse client needs. Infusing each interaction with youthful enthusiasm, Shahi fosters strong client relationships built on the pillars of trust and transparency. Thriving amid the complexities of the lending landscape, he consistently exceeds expectations, ensuring optimal outcomes for clients. Dedicated to excellence and committed to personalised service, Shahi emerges as a trusted partner in helping clients achieve their financial goals.

Broker

Abhishek Shahi

Andrew Tan

Broker

A highly regarded commercial finance specialist at Rethink Financing, Andrew Tan empowers clients to achieve their financial goals. Awarded the 2023 Elite Broker Rising Star Award by Outsource Financial and the 2023 Elite Broker Award by CBA, he brings over 12 years of corporate experience honed at KPMG and finance leadership roles held across ASX 50 companies. Leveraging his extensive corporate experience and chartered accountant background, he develops unique strategies that unlock the full potential of each client’s property portfolio, exceeding traditional financing limitations. Tan’s unwavering commitment to exceeding client expectations fosters collaborative partnerships, solidifying his position as a trusted adviser and a valuable asset for achieving long-term success.

Broker

Andrew Tan

Founded in 2017, Rethink Financing is Australia’s leading specialist in commercial property financing. Directed by Son Pham, an expert senior mortgage broker, the company collaborates with Rethink Investing and Rethink Property Lawyers to provide comprehensive financial solutions. Its mission is to help clients achieve lasting financial freedom through strategic wealth creation. Rethink Financing prides itself on its deep understanding of the Australian commercial property financing landscape. Its experts excel at navigating credit policies and identifying loan options that align with clients’ financial goals and circumstances. With an extensive network of over 30 lenders and access to thousands of loan products, Rethink Financing offers unparalleled choice and flexibility to its clients. The company’s approach to wealth building emphasises the strategic use of leveraging to maximise growth and yield from commercial property investments. Rethink Financing goes beyond simply securing the lowest rates; it ensures that each loan enhances clients’ overall financial strategy. With a combined experience of over 23 years, the team’s expertise extends beyond traditional mortgage brokering. Their background in financial planning equips them with a comprehensive understanding of tax implications, financial structures and the broader economic environment, allowing them to craft tailored financing solutions. In the past seven years, Rethink Financing has facilitated billions of dollars in investment-grade commercial property transactions. By consistently sourcing the best loans with personalised terms, it has significantly enhanced clients’ portfolios, reinforcing its status as Australia’s leading commercial property financing specialist. Under Son Pham’s leadership, Rethink Financing continues to drive client success and long-term wealth creation.

Dean Nguyen

Broker

Meg Saraswat

Broker

Moushumi Kumar

Broker

Simon Williams

Chief Strategy & Distribution Officer, Arch Insurance International and Active Underwriter, Syndicate 1955

Dean Nguyen, a trusted finance expert, is poised to guide clients through their financial journey. His approach transcends merely addressing current objectives and requirements; he meticulously incorporates future plans and potential opportunities into the equation. Nguyen firmly believes that the ultimate goal isn’t just securing a favourable rate but rather optimising financial strategy by selecting the most suitable products and structures. This distinction can yield substantial profits or savings amounting to millions over the span of a 30-year loan term. With a wealth of experience garnered from his tenure in financial planning, Nguyen also possesses expertise in trusts, SMSFs and SPVs. Beyond the confines of his professional life, you’ll find him cheering passionately at soccer games or embarking on adventures to FIFA or Euro Football tournaments. Recently, he has also embraced his enthusiasm for Python programming.

Broker

Dean Nguyen

Meg Saraswat is an accomplished professional with over seven years of expertise in the banking and financial sector. Her journey began at Genpact (GE Money), where she kicked off her career while concurrently pursuing her accounting and finance degree. Throughout this time, she discovered her passion for mortgage brokering. Setting Saraswat apart from her peers is her genuine dedication to her clients’ financial prosperity. She takes great pride in guiding them towards financial freedom through strategic investments and bespoke mortgage solutions. Equipped with a master’s degree in accounting, her extensive knowledge further enhances her ability to provide exceptional service to her clients. From assisting first-time homebuyers to aiding in portfolio expansion, negotiating favourable terms for reduced interest rates and fees, or unlocking equity for future wealth creation, Saraswat is steadfast in meeting all her clients’ mortgage needs. Her professional satisfaction lies in closing deals that demand intricate negotiations and meticulous attention to detail. Her methodical approach ensures a seamless and efficient process, delivering a superior experience to her clients every step of the way.

Broker

Meg Saraswat

Moushumi Kumar stands out as a leading commercial broker at Rethink Financing, recognised with the Elite Broker Award Rising Star by outsource Financial in 2023. With an extensive background exceeding 15 years in commercial banking, including being named the country’s top business banker in her tenure, she brings unparalleled expertise to her role. Her tenure at NAB as a credit consultant saw her entrusted with a delegated lending authority of $30 million, reflecting her exceptional acumen in assessing credit and facilitating substantial lending transactions. Her specialisation in commercial lending and her status as an SMSF lending expert further solidify her reputation as a go-to adviser in the field. Within Rethink Financing, Kumar is valued as an integral team member, contributing her vast knowledge and strategic insights to drive the company’s success and elevate client satisfaction to new heights.

Broker

Moushumi Kumar

Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.

Partner

Kimi Shah

Partner

Kimi Shah

Partner

Kimi Shah

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Saray Uribe, CharSan Insurance & Consulting

“Having four insurance designations, and the wealth of knowledge that comes with it, enables me to better counsel customers regarding the importance of having the appropriate insurance coverage”

Saray Uribe, CharSan Insurance & Consulting

employee benefits regional retail P&C specialty P&C underwriting direct-to-consumer programs

“Alliant has achieved growth in each of these categories via a potent combination of organic growth and strategic acquisitions with plans to continue on this forward trajectory,” explains executive vice president and director, M&A development, Stephen Farr. “Our goal is to achieve strong organic growth, over 10%, augmented by selective and strategic M&A activity.” Breaking down the specific drivers of growth, Farr adds, “Alliant’s P&C verticals have achieved the highest level of growth in the brokerage space, and the company’s generalist producers have also been a beneficiary by virtue of producing more complex, industry-specific accounts via partnerships with Alliant specialty brokers. Our direct-to-consumer business has been growing at a rapid rate via acquisitions and alignment with other Alliant divisions on cross-selling opportunities.” The firm enables its team to work effectively with a synergy-creating structure. Zimmer says, “The Alliant experience is defined by best-in-class teams, service, innovation, and a dynamic and collaborative environment where we work together to achieve powerful, long-term results for our clients and partners. We proactively eliminate walls and silos within our organization, allowing our team members to be both responsive and innovative in their approach to serving clients.” The firm’s profile was boosted with the launch of Alliant Consumer Group, a dedicated unit housing Alliant’s growing portfolio of consumer-facing operations. There was also the creation of the Alliant Insurance Foundation in 2023, a charitable, non-profit organization focused on promoting justice and equality by expanding access to opportunities for career growth and advancement for individuals with diverse backgrounds and life experiences. Alliant also has an active philanthropy program. Across 2023, Alliant professionals collectively raised/contributed:

more than $1 million in funds over $2.3 million in combined monetary and in-kind donations through an annual World Food Derby initiative 2,320 volunteer hours to numerous deserving organizations, making a significant community impact

Alliant’s progress is set to continue, as underlined by Zimmer, who has confidence in the firm’s people to deliver continued excellence. “We believe in our business plan, and it has proven successful. We don’t feel the need to change that. Our core business plan will continue to drive the company forward, complemented by new opportunities that may arise in the future.”

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