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Meet Nikki — Your Strategic Mortgage Broker
& Money Organiser
Backed by years of experience helping Australian homeowners who feel crushed (or overwhelmed) by debt, finally take control of their finances, stop the constant money stress and breathe again — by combining smart refinancing and simple, personalised money systems that actually stick.
No confusing spreadsheets, impersonal apps or rigid budgets.
Just straightforward tools that help you:
Organise your money
Get clear on where it’s going, and
Set up a money flow that works quietly in the background.
Most of the people I work with are living week to week, juggling multiple repayments, and carrying the weight of shame, stress and exhaustion.
Some have missed payments. Some have been declined debt relief by the banks. Many feel like they’re drowning — and out of options.
My mission is to show them it’s not too late. There is a way forward — and that it’s not just about getting out of debt, it’s about empowering yourself to stay out of debt for good!
It’s about finally feeling calm.
Sleeping at night without panic.
And knowing you’re on track to wipe the overwhelming debt, retire mortgage free, and finally feel secure and excited about your financial future.
With a Graduate Diploma in Financial Planning, certifications in Behavioral Money Coaching, and training in NLP (Neuro-Linguistic Programming), I bring together a deep knowledge of finance and an understanding of the human behaviors that drive financial decisions. My expertise ranges from technical financial planning to the psychology of money, equipping me with the tools to guide clients through real, lasting transformations with their money.
As a mother of four, family life is my biggest source of joy and inspiration. My husband and I love exploring Australia with our caravan, camping at every chance we get. I’m also an avid gardener—weekends often find me in my happy place, tending to my plants and soaking up nature. Balancing family, adventure, and personal passions is what drives my own financial goals, and I believe that financial success should be about more than numbers. It should allow you to create a life that reflects what you truly value.
Why I’m Different: Personalized Financial Success
What sets me apart is my commitment to understanding that your financial goals are deeply personal. To me, wealth isn’t just about reaching a specific number; it’s about creating a life filled with freedom, security, and the ability to pursue your passions. Whether wealth means achieving financial stability, enjoying life’s little luxuries, or something entirely unique to you, I’m here to support you with strategies that align with your values and aspirations.
My approach is rooted in understanding your personal relationship with money. I integrate years of experience and insights from the psychology of money to help you gain clarity and confidence in your financial choices. I don’t make decisions for you; I empower you to take control of your finances, make informed decisions, and build a secure financial future.
Together, we’ll co-create a roadmap that leads you to financial peace and prosperity, whatever that may mean for you.
So, if you’re looking for more than just another mortgage broker, I’d be honoured to partner with you on your journey to financial security and success.
Why I’m Different: Personalized Financial Success
What sets me apart is my commitment to understanding that your financial goals are deeply personal. To me, wealth isn’t just ab
out reaching a specific number; it’s about creating a life filled with freedom, security, and the ability to pursue your passions. Whether wealth means achieving financial stability, enjoying life’s little luxuries, or something entirely unique to you, I’m here to support you with strategies that align with your values and aspirations.
My approach is rooted in understanding your personal relationship with money. I integrate years of experience and insights from the psychology of money to help you gain clarity and confidence in your financial choices. I don’t make decisions for you; I empower you to take control of your finances, make informed decisions, and build a secure financial future.
Together, we’ll co-create a roadmap that leads you to financial peace and prosperity, whatever that may mean for you.
So, if you’re looking for more than just another mortgage broker, I’d be honoured to partner with you on your journey to financial security and success.
Dedication and Expertise That Transforms
OUR COMMITMENT
At Co-Create Finance, we are more than just mortgage brokers—we are your partners in achieving financial freedom. Our commitment is to provide personalised, strategic solutions that align with your unique goals. From the first conversation to the final approval and beyond, we are here to ensure that your journey is smooth, transparent, and stress-free.
We believe in clear communication, honest advice, and going the extra mile to support you, whether you’re refinancing, consolidating debt, or navigating the home buying process. Your success is our success, and we’re dedicated to creating a lasting impact by providing tailored financial strategies that grow with you. At Co-Create Finance, we don’t just secure loans—we create opportunities for your financial future.
A Wealth of Knowledge and Expertise
Credentials that Reflect My Commitment to Your Financial Success
Professional Education & Certifications:
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Graduate Certificate in Financial Planning
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Certificate IV in Finance and Mortgage Broking
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Graduate Diploma in Financial Planning
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Advanced Diploma in Financial Planning
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Certificate IV in Bookkeeping and Accounting
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Profit First Professional
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Certified Money Archetype Coach
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Money Coach Master Training
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Behavioral Money Coach
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NLP Practitioner
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Money Coach
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Results Coaching Certification
And many more..
With extensive education and years of hands-on experience, I provide personalised financial strategies that are grounded in knowledge, empathy, and a commitment to your success. My goal is to empower you to take control of your financial future with confidence and clarity, knowing that you have a partner by your side every step of the way.