Headquarters:
4/403 Hume Highway, Liverpool, NSW 2170
Year founded:
2017
Number of employees:
27
Phone:
02 9821 3483
Email:
enquiries@rethinkfinancing.com.au
Website:
rethinkfinancing.com.au
LinkedIn:
linkedin.com/company/rethinkfinancing
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
Son Pham
Managing Director
Nathan Nguyen
Broker
Peter Polorotoff
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 eight 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 eight 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 18 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. This year, his efforts were recognised with the prestigious Outsource Financial Elite Broker award – a testament to his exceptional performance and impact. 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
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
Leadership
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
Leadership
Eddison Diez
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
Vinod Kuttappan
Broker
PeterPolorotoff is a notable finalist in the 2022 Rising Star category by Outsource Financial and was recognised as a finalist in the 2022 and 2023 NSW Better Business Awards for Best Customer Service Business. With over a decade of experience in the financial services industry, Polorotoff brings a wealth of knowledge and expertise to his role.
He has previously worked as a BDM for a commercial lender before shifting his focus to mortgage broking nearly 10 years ago. His profound passion for property and unwavering commitment to helping clients achieve their investment goals have distinguished him in commercial, SMSF, and residential lending.
Polorotoff dedication to crafting tailored lending strategies ensures that each client receives the best possible service and solutions.
Broker
Peter Polorotoff
Established in 2017, Rethink Financing is a leading Australian commercial mortgage brokerage and a key division of Rethink Group – an integrated network of property investment services. Under the leadership of managing director Son Pham, Rethink Financing delivers tailored, strategic financial solutions that align with clients’ long-term wealth creation goals.
Rethink Financing’s approach, encapsulated in its ‘Wealth of Solutions’ philosophy, focuses on empowering clients through personalised financial strategies. With access to an extensive network of over 30 lenders – including major banks, tier-two institutions, non-banks, and private lenders – the firm offers unparalleled flexibility and choice. This diverse lender panel enables the team to navigate complex credit policies and secure financing options meticulously aligned with each client’s unique financial goals and circumstances.
Through close collaboration with other Rethink Group business units – including Rethink Investing and Rethink Property Lawyers – clients benefit from a streamlined, end-to-end property investment experience. This integrated approach ensures that services including property acquisition, legal due diligence, and financial structuring are seamlessly coordinated, enabling clients to navigate the complexities of property investment with confidence and clarity.
Over the past eight years, Rethink Financing has facilitated billions of dollars in investment-grade commercial property transactions, reinforcing its status as Australia’s premier commercial property financing specialist. The firm’s dedication to operational excellence, transparency, and client-centric service continues to drive its success and the prosperity of its clients.
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
Abhishek Shahi
Broker
Melissa Ristevski
Broker
Alex Gomes
Broker
Simon Williams
Chief Strategy & Distribution Officer, Arch Insurance International
and Active Underwriter, Syndicate 1955
With over a decade of commercial experience and more than 15 years in financial services, Eddison brings a client-first mindset and a strong background in relationship management, commercial lending, and operations. At Rethink Financing, he specialises in providing tailored mortgage solutions for residential and commercial property investors, leveraging his expertise to support clients from strategy through to settlement.
Diez's career includes key roles at Westpac and BT Financial Group, where he drove growth, built lasting partnerships and delivered results. His leadership and depth of experience make him a key contributor to the continued success of the Rethink team.
Broker
Eddison Diez
Vinod Kuttappan is a highly skilled finance broker with extensive banking experience, offering expert guidance in lending solutions for businesses and individuals. With 13 years in the financial industry, he has a deep understanding of credit assessment, risk management, and lender negotiations. Leveraging strong relationships with financial institutions.
Kuttappan secures competitive funding options tailored to each client’s needs. Whether assisting with commercial finance, property loans or business funding, he provides a seamless experience with a consultative approach. Dedicated to transparency and efficiency, he ensures clients receive strategic financial solutions that support their growth and success.
Broker
Vinod Kuttappan
With over 13 years of experience in the finance industry, Melissa Ristevski brings a wealth of knowledge, insight, and passion to her role as a commercial mortgage broker at Rethink Financing. Her journey has included diverse roles across the banking sector, equipping her with a well-rounded perspective on lending, risk, and client needs.
Now a recognised expert in commercial finance, she thrives on the complexity and nuance of structuring tailored solutions for businesses and investors. She believes that every financial journey is unique, and she is relentless in her pursuit of the right outcome for each client – strategic, flexible, and always focused on the bigger picture.
Ristevski is known for her unwavering commitment to both her clients and her team. She is deeply driven to see others succeed, whether it’s helping a business secure funding for growth or mentoring a new broker within Rethink’s collaborative, high-performance culture.
Her guiding principle – be stubborn about your goals and flexible about your methods – is reflected in every aspect of her work. As an emerging leader in the industry, she is not only building a standout reputation but also helping shape the next generation of finance professionals.
Broker
Melissa Ristevski
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
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
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
“Despite the challenging claims environment, QBE’s coverage and risk appetite have remained consistent. Brokers and customers know and understand our risk appetite and the cover we offer, providing them with certainty for the future,” says Erica Kofie, head of cyber proposition. “We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions.”
Kofie adds, “Through 2022, QBE successfully delivered significant growth in the cyber sector, reflecting the depth and strength of our team. We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations.”
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Broker communication, training and development
BDM support
Turnaround time – claims
Broker's Pick – Personal Accident and Illness Insurance
Brokers’ Pick – Professional liability
Small business
