Headquarters:
Liverpool, NSW
Year founded:
2017
Number of employees:
31
Phone:
02 9821 3483
Email:
enquiries@rethinkfinancing.com
Website:
rethinkfinancing.com.au
LinkedIn:
linkedin.com/company/rethinkfinancing
Son Pham
Managing Director
Nathan Nguyen
Broker
Moushumi Kumar
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 nine 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” to “debt,” highlighting a positive approach to financial growth. Over the past nine years, Pham has focused extensively on educating clients about the benefits or 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.
Pham and the business have won many awards: MPA: 2022, 2023, 2024, 2025 Top Commercial Broker MPA: 2024 and 2025 Top Brokerages CFA: 2025 Finalist Commercial Brokerage AMA: 2023, 2024, 2025 Excellence Awardee Commercial Broker ABA: 2025 Winner Top Commercial Broker BSA: 2026 Winner Best Finance Brokerage
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 receive 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, he 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
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.
Kumar’s specialisation in commercial lending and her status as an SMSF lending expert further solidify her reputation as a go-to advisor in the field. Within Rethink Financing, she 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
Abhishek Shahi
Broker
With a fervent passion for innovative financial solutions, Abhishek Shahi is 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 tailored to diverse client needs.
Infusing each interaction with youthful enthusiasm, Shahi fosters strong client relationships built on trust and transparency. Thriving amid the lending landscape’s complexities, he consistently surpasses expectations, ensuring optimal outcomes for his clients. Recognised for his dedication and impact within the industry, Shahi was honoured with the 2026 Rising Star Award by MPA. His commitment to excellence and personalised service has positioned him as a trusted partner in helping clients achieve their financial goals.
Broker
Abhishek Shahi
Eddison Diez
Broker
With over 15 years of commercial experience and more than a decade in financial services, Eddison Diez 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 commercial property investors, leveraging his expertise to support clients from strategy through to settlement.
His 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 Financing team.
Broker
Eddison Diez
Vinod Kuttappan
Broker
Andrew Tan
Broker
Melissa Ristevski
Broker
David Sexton
Director Business Services
Vinod Kuttappan is a highly skilled finance broker with extensive banking experience, offering expert guidance in lending solutions for businesses and individuals. With 14 years in the financial industry, he has a deep understanding of credit assessment, risk management and lender negotiations. Leveraging strong relationships with financial institutions. Hesecures competitive funding options tailored to each client’s needs.
Whether assisting with commercial finance, property loans, or business funding, Kuttappan 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
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 2023 Elite Broker by CBA, he brings 13+ 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, Tan develops unique strategies that unlock the full potential of each client’s property portfolio, exceeding traditional financing limitations. His unwavering commitment to exceeding client expectations fosters collaborative partnerships, solidifying his position as a trusted advisor and a valuable asset for achieving long-term success.
Broker
Andrew Tan
Melissa Ristevski is a highly accomplished commercial mortgage broker at Rethink Financing, bringing more than 14 years of experience across banking and finance. Her extensive industry background has equipped her with deep expertise in lending, risk management and structuring sophisticated finance solutions for businesses and investors.
Recognised for her strategic mindset and unwavering commitment to client outcomes, Ristevski is known for delivering tailored commercial lending solutions that drive long-term success. A passionate mentor and emerging industry leader, she is equally dedicated to supporting the growth of her team and the broader finance community. In 2025, she was named a finalist for Commercial Finance Broker of the Year at the Women in Finance Awards 2025, further cementing her reputation as a standout professional in the industry.
Broker
Melissa Ristevski
As Director of Business Services, David oversees the financial, operational and commercial aspects of the School. In this role, he contributes to shaping and implementing strategic initiatives, supports business sustainability and enables the next phase of campus development, including the 10-year Master Plan and Strategic Plan (2026–2028).
He is an accomplished executive leader with over 25 years of experience at C-Suite and Board level spanning diverse sectors including education, not-for-profit, disability, sport and professional services. He has extensive experience shaping and executing strategic plans, driving income growth and diversification, master planning and major capital projects, stakeholder engagement, leading high-performing teams and managing complex budgets.
Director Business Services
David Sexton
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Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Product Manager
Claire Watson
Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Commercial Manager
Stephen McMillan
“Having close connections with our parents, staff and community, is integral to a rich learning environment. When we work together, we can achieve amazing things”
Karen Yager,
Hills Grammar
“I believe that students learn in a supportive environment with passionate and inspiring teachers and staff. We surround our students with positive creative and inspiring people, enthusiastic about their own learning and keen to immerse students in the spirit of life-long learning across the whole community”
Karen Yager,
Hills Grammar
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 nine 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.
In 2025, the business hit a milestone of over $1 billion of loans settled that year and 11 brokers were awarded Elite Broker status with their aggregator.
Learning designed for educators
The centrepiece of Hills Grammar’s approach to staff development is its Professional Learning Model, led by director of professional learning Dr. Chris Furner. Grounded in adult learning pedagogies, aligned with the school’s strategic intent and staff profile and standards, the model deliberately moves away from compliance-driven professional development towards something more meaningful. This is delivered as learning that is authentic, research-based and tailored to where each educator is in their career journey.
Supporting this is the Learning Centre Staff Program, which creates structured opportunities for staff to share practice, reflect on their work and learn from one another. Mentoring, leadership development and action research opportunities are embedded throughout, making professional growth a continuous and collegial practice rather than a periodic obligation. It is a model that reflects Hills Grammar’s commitment to investing in the people responsible for delivering its educational vision.
Future-forward leadership
The school’s commitment to its team extends to how Hills Grammar approaches leadership. Working in partnership with the governing council, school leaders maintain a shared focus on developing what the school describes as a ‘future fit’ graduate and the workforce equipped to teach them. Innovation is encouraged, and the culture is one where academic ambition and professional development are seen as inseparable.
Wellbeing in a remarkable setting
Staff also benefit from complimentary wellbeing programs, a genuine commitment to work-life balance and access to an Employee Assistance Program. Additionally, for educators who value a workplace where the physical environment itself is part of the daily experience, Hills Grammar’s picturesque campus offers a setting that is as restorative as it is inspiring.
There is also a proactive approach to diversity, equity, and inclusion (DEI), such that employees are informed and educated through integrated professional learning frameworks. Hills Grammar is proud to be actively shaping bold thinkers, and in turn empowering the people who teach them.
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