Finance Solutions that Grow with You
At Cultivate Finance Broking, we help you find the right finance solution to fuel your goals – we find the finance that fits you; not the other way around.
Whether you're expanding your business, buying your first home, consolidating loans, or exploring that next farm purchase opportunity; we’re here to make finance simple, accessible, and tailored to you. At Cultivate Finance, we don’t just secure great finance solutions — we build relationships that grow with you.
About Us
Real Finance Solutions, Backed by Real Experience
With over 50 years collective experience in banking, finance, and lending, the team at Cultivate Finance Broking brings depth, insight, and a client-first mindset to everything we do.
We founded Cultivate in response to a clear gap in the industry — where individuals and businesses were often left navigating complex finance systems without consistent guidance, trusted advice, or access to options beyond a single institution. We knew people deserved better.
Why We Exist
Too often, finance outcomes are dictated by the limitations of one lender’s policy or the capability of a single bank manager. We believe that your financial progress should never be restricted by narrow pathways or generic advice.
At Cultivate, we work differently. We’re creative, agile, and outcome-driven, and we thrive on solving challenges that others won’t or can’t. Our approach is personalised, strategic, and grounded in a genuine commitment to helping you grow — whether you're securing your first loan or scaling your enterprise.
What Sets Us Apart
Deep Expertise: Decades of combined experience mean we know how to navigate the complexities and find the right path forward — even when it’s not obvious.
Tailored Solutions: We don’t believe in one-size-fits-all. Your goals deserve custom strategies.
Relationship Focused: We build long-term partnerships, not just transactional wins.
Forward Thinking: We embrace fresh thinking and practical innovation to unlock better finance outcomes.
Brett Fallon
Director
Brett Fallon is an accomplished agribusiness finance consultant based in Albany, Western Australia, known for his strategic financial expertise and
unwavering commitment to client success.
Holding a Bachelor of Agribusiness (Marketing) from Curtin University and a Diploma of Finance and Mortgage Broker Management from AAMC, Brett brings over 20 years of experience in the agribusiness and commercial finance sector.
His deep understanding of business growth and finance complexities has made him a trusted advisor to a diverse range of agribusiness and commercial clients.
Marie Austin
Client Manager – Business Specialist
08 6850 0236 (Ext 1)
With 37 years of experience in the finance and banking industry, Marie brings a wealth of knowledge and dedication to her role as Client Manager. Specialising in commercial business, agribusiness lending, and home loans, she has built a reputation as a trusted Relationship Manager who truly understands the needs of her clients.
Originally from Katanning and now proudly calling Albany home for the past 23 years, Marie is passionate about supporting the agricultural sector, assisting commercial business customers, and delivering exceptional customer service. Her deep local knowledge and commitment to helping her community thrive make her a valued and approachable partner for clients across the region.
Jessie Leon
Client Manager – Home Loan Specialist
08 6850 0236 (Ext 2)
With over nine years of experience in the finance and banking industry, Jessie brings deep knowledge and a practical approach to helping clients navigate their home loan journey. Having worked in leadership roles including a Branch Manager, she’s had the privilege of guiding individuals and families through some of life’s biggest financial decisions.
Jessie is passionate about working closely with the Albany local community—building relationships, understanding unique goals, and offering tailored solutions that make home ownership achievable. Whether it’s a first home or a next chapter, she prides herself on delivering trusted advice and genuine support every step of the way.
Thanks for everything Brett, you’ve been great
Sarah
Brett recently refinanced our home loan and made the whole process enjoyable. It was a pleasure to deal with Brett. He maintains open communication at all times, found us a loan that was much better suited to our lifestyle and has saved us a lot of money. I cannot recommend him highly enough and I guarantee you will not be disappointed
Matt & Steven
Thank you very much to Kendal and Brett, you were both very helpful throughout the process.
Lucy
Contact Us
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
CONTACT INFORMATION
Address: Level 1, 184-186 Aberdeen Street Albany, WA 6330
Phone: (08) 6850 0236
The privacy of your personal information is important to us. By providing your personal information to Cultivate Finance, you consent to be contacted by a representative of Cultivate Finance from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.
Frequently Asked Questions
While you can go directly to a lender, working with a broker gives you access to a wider range of options — and a professional who can negotiate, explain the fine print, and guide you through the entire process.
Not at all. In fact, working with a broker can help you understand and access available government schemes — like the First Home Guarantee, HomeBuilder Grant, or regional business funding — by making sure your application is structured correctly and submitted on time. We work alongside you to maximise every benefit you're eligible for.
We’re paid a commission by the lender once your loan settles. There is no cost to you, and we’ll always disclose any commission structure, so there are no surprises.
Not when you’re just exploring options. We can help assess your borrowing power and pre-qualify you without impacting your credit file. Credit checks only occur when you're ready to apply.
We help with home loans, investment loans, refinancing, business and commercial lending, agribusiness finance, and asset finance. If it involves funding your future — we’re here to help.
It depends on the type of loan and your individual circumstances, but we aim to move quickly. From pre-approval to settlement, we’ll keep you informed every step of the way.
HOME LOANS
First home buyers, upgraders, refinancers — we help you navigate every step, with clear advice and options that work.
BUSINESS & COMMERCIAL LOANS
Whether you're growing, restructuring, or investing, we’ll match you with finance that supports your vision.
ASSET FINANCE
Need vehicles, equipment, or machinery? We’ll help you access flexible solutions that fit your operations.
AGRIBUSINESS FINANCE
Specialised finance options for farmers and rural businesses, tailored to seasonal cash flow and long-term sustainability.
Services
We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.
We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:
Why Choose Us
- Personalised service — always.
- Access to a wide panel of lenders.
- We simplify the process and handle the legwork.
- Advice that’s independent, honest, and in your best interest.
Resources
WE WORK HARD TO MAKE SURE YOU UNDERSTAND WHAT IS GOING ON IN THE FINANCE INDUSTRY.
Our communications ensure that you are kept up to date with useful information that tells you what you need to know. For example, we will let you know the outcome of the monthly Reserve Bank of Australia (RBA) meeting, and what this means for interest rates.
Join our Newsletter
Calculators
Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Victorian Commercial & Home Loan Group before placing your deposit or purchasing any property.