AWARD-WINNING AUSTRALIAN MORTGAGE BROKER
The wrong loan can quietly cost you years. The right structure builds leverage. Penny designs your finance around where you’re heading, not just what you’re buying, then handles the rate, lenders, and paperwork end to end.
We believe people can do better. Better in the way they use and access money to create better outcomes for their immediate and long-term financial position. Our job is to work with you to find the best way to meet your goals and priorities.
Really, Really Good Finance challenges us to ensure that we secure what suits you. It’s smart. It’s informed. It’s competitive. It puts you in a great position to achieve what you want from your life.
We are in the business of helping people change their lives. For the better.
Penny is loaded with expertise and a desire to constantly learn.
We believe it’s about authenticity – for us and how we work with our clients.
In the world of finance, timing is everything.
The dynamic Founder, Director, and Senior Finance Specialist at Penny, Morgan has been revolutionising finance broking since 2017. With years of experience, Morgan defies the status quo, turning “no” into “yes” for her clients. Specialising in residential, commercial, and development finance, she empowers others to build unique property portfolios. Known for her empathy and strategic thinking, Morgan is an award-winning broker who loves the gym, reality TV, and Pinot Noir. Her fearless motto: “I will win because I am not afraid to fail.”
Morgan Owen is a credit representative 508408 of Mortgage Specialist ABN 90 110 275 146 (Australian Credit License 387025)
The dynamic Founder, Director, and Senior Finance Specialist at Penny, Morgan has been revolutionising finance broking since 2017. With years of experience, Morgan defies the status quo, turning “no” into “yes” for her clients. Specialising in residential, commercial, and development finance, she empowers others to build unique property portfolios. Known for her empathy and strategic thinking, Morgan is an award-winning broker who loves the gym, reality TV, and Pinot Noir. Her fearless motto: “I will win because I am not afraid to fail.”
Recognition
Industry-leading recognition from MFAA, Specialist Finance Group and
The Adviser – across multiple years and categories.
2023 – State Winner
2025 – Finalist
2025 – Finalist
2025 – Finalist
2025 – Finalist
2025 – Finalist
what client says
with 90+ 5-star Google Reviews, we’re proud to be the most recommended team in the Inner West.
Rated 4.9 –
90+ Reviews
Google User
I’ve been having a lot of trouble with getting the build of my first home started. A friend of mine recommended Morgan and the team at Penny Finance and I wish I did it sooner. I’ve been working with William and he’s been extremely helpful. He’s very prompt with his communication and doesn’t mess around. Everything was settled in half the time I had previously had my last loan done. Morgan was very knowledgeable in helping me set my goals and get me moving forward with my realestate journey. 10/10
Google User
We engaged Penny Finance to support us with understanding how we could best leverage the sale of our first house to upsize in a competitive market. Morgan kicked started this with comprehensive information about our financial position and identifying our property goals moving forward. Once we understood this and were ready to buy, the support we have received from Vasilios has been overwhelmingly positive. He’s been extremely responsive and patient, clarifying every question we had along the journey. Vas, we very much appreciate everything you’ve done!
Google User
Clayton immediately made us feel at ease from the first time we spoke with him. He made the process feel easy and explained things in a way that helped us understand all the finer details of our refinance. We are very happy with our experience with Penny finance and will definitely use them again in the future!
Google User
The Penny Finance team have been great to work with. The key member that assisted me was Vasilios who was very responsive to all my queries, and was particularly patient in explaining me the different options that were available for us to use. Overall, a friendly and helpful team that were great to work with and delivered good results.
Google User
I’ve worked with the team at Penny for several years now, and they’ve been consistently excellent. They’re knowledgeable, reliable, and always take the time to explain everything clearly in a way that actually makes sense. Their communication is always prompt and thorough which makes the whole process much less stressful. I wouldn’t hesitate to recommend them! Thanks Team!
Google User
Vasilios and the Penny Finance team are exceptional to work with. They gave an incredible amount of attention to our needs in order to understand what we wanted and then advised how to get there. Many months of advice, availability, and questions which culminated in us receiving formal approval to be able to purchase our dream family home and sell our starter property.
We offer experience, expertise and a high level of service across Residential, Commercial, Development and Asset Finance.
Real people, real expertise. Get to know the team that will guide
you from pre-approval to settlement and beyond.
The people we work with and recommend are carefully selected. They are our extended team. We want to ensure they bring aligned values and a common focus. In a nutshell they have to be Really, Really Good!
Want more info? Want to chat with us? Schedule a free 15-minute discovery call to speak to our team of money experts. This is the ideal first step – or next step – towards your financial goal.
