I built this because the old way kept failing people
DEBT OUT
Stop juggling. Turn multiple repayments into one — and put hundreds back in your pocket every month. Even if the bank has already said no.
MONEY SORTED
A simple system — named accounts, automation, every dollar with a job — so your money runs without you and you stop thinking about it every day.
HOME LOAN FAST-TRACKED
Once the chaos stops and the system is running, that freed-up money goes straight onto your mortgage. Cutting years — sometimes decades — off your loan, without changing your lifestyle.
This is the full journey. And it starts from exactly where you are right now.
I help Australian homeowners get out of debt, learn how to manage their
money — and then fast-track their home loan so they own it years sooner.
Most brokers stop at the loan.
I take you all the way to the finish line.
Working in mortgage broking, I watched the same thing happen over and over.
People would consolidate their debt, feel relief — and a few years later they'd be back. Same stress. More debt. Owing more on their home than when they started.
The loan changed. Nothing underneath did.
So I built something different. Not just a refinance — a complete system.
One that clears the debt, installs a money structure that actually holds, and then redirects the surplus straight onto the home loan. So they get out — and stay out. And the mortgage that felt like it would never move?
It starts moving.
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 by the banks.
Many feel like they're drowning — and out of options.
My job is to show them it's not too late. That there is a way forward.
And that getting out of debt is only half of it — the other half is building the system and fast-tracking the mortgage, so they never end up back here.
I go down into the hole and meet people where they are.
Then I put a ladder in — and we climb out together.
Not from the top. Not with a spreadsheet and a lecture. I sit with them in the mess, and we work out what's actually happening — without judgment, without shame, and without pretending it's simpler than it is.
Then we fix it. In three stages. In order. Every time.
STAGE 1 — GET OUT OF DEBT
One repayment. One date. Hundreds back in your pocket every month.
Using the equity in your home to consolidate everything — properly, with a plan — so the juggling stops and the breathing room starts.
STAGE 2 — GET A SYSTEM THAT RUNS ITSELF
Named accounts. Automation. Every dollar with a job description.
No spreadsheets. No tracking every cent. No willpower required.
Your money moves itself — and you stop thinking about it.
STAGE 3 — FAST-TRACK THE HOME LOAN
This is the part nobody else does. Once the system is running and the surplus is freed up, we put it straight onto the mortgage. Fortnightly repayments. Rounded up. Structured to work for you — not for the bank.
Cutting up to 10 years off your loan without changing your lifestyle.
"If you leave it up to the bank, you'll stay in debt longer than you need to. Small changes to how your loan is set up can change everything."
— Nikki Harris
Most brokers sort the loan.
I sort the debt, the money system, and the home loan — in that order.
I'm a mortgage broker — but also a qualified financial planner, a certified behavioural money coach, and a home loan strategist. That means I don't just find you a better rate and move on. I understand why
people get stuck with money in the first place. Why the same patterns keep repeating. And how to change them — permanently.
The technical side and the human side. I do both.
I'm also autistic, ADHD, and dyslexic. I built this system because my brain needed it — and then I realised every client I worked with needed it too. My working memory doesn't hold things, so I designed a system
where you don't have to remember anything. I don't finish things I start, so I built automation that finishes for you.
I built it for a brain like mine. It works for every brain.
I'm a mum of four. My husband and I spend every chance we get exploring
Australia in our caravan — camping, cooking outdoors, finding the next good spot. I grow things. Weekends you'll find me in the garden, hands in the dirt, completely happy.
I believe money should quietly fund the life you're actually living — not consume it. Not keep you up at night. Not make you feel sick when you open the banking app.
Money is the vehicle to your desires, your values, what lights you up.
What lights you up is completely different to your neighbour. That's why there's no template here. Every system I build is personal — because every life is different.
It's about finally feeling calm.
Sleeping at night without the 3am money spiral.
Checking your account and feeling nothing — just calm — because you know exactly what's there, what it's for, and that everything is handled.
Watching your mortgage balance actually move. Knowing the number that used to feel permanent is shrinking — on your terms, not the bank's.
That's where we're going.
And we start from exactly where you are right now.
20 years of experience. A Graduate Diploma in Financial Planning.
Certifications in Behavioural Money Coaching, NLP, and Profit First.
MFAA State Finalist — Customer Service Individual Award.
But more than any certificate — 20 years of sitting across from people who thought they were bad with money, and showing them they weren't.
They just never had the right system. Or a broker who stayed for stage two and stage three.
If you're ready to get out of debt, get a system that runs itself,
and finally start making a dent in your home loan —
No pressure. No obligation. Just a conversation about where you are and what's actually possible for you.
A Wealth of Knowledge and Expertise
Credentials that Reflect My Commitment to Your Financial Success
Professional Education & Certifications:
-
Graduate Certificate in Financial Planning
-
Certificate IV in Finance and Mortgage Broking
-
Money Coach Master Training
-
Behavioral Money Coach
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.