Our Story

Our dedicated team

Matt Punter


Professionally,  Matt worked with BOQ for a number of years including a Bank Manager role in Cairns. He then took a stake in a start-up mortgage broking business, which he then built up and sold, to become a business partner and Director of Conveyancing Works Solicitors. Matt and his partners grew this business to be the largest conveyancing business in Australia, before deciding to sell to Slater & Gordon. Following the successful sale of this business, Matt committed to a National Business Development Role with Slater & Gordon in Melbourne, to help set up Conveyancing nationally. 

In 2015 Matt and his family moved back to QLD and they set up The Savings Centre –  Mortgage Broking business on the Sunshine Coast.  The Savings Centre (now TSC Mortgage Brokers) is a multi- award-winning mortgage broking firm that works hand in hand with Punters Finance as a mainstream finance and mortgage broker. 

Personally, Matt has been involved in both residential and commercial property investment since 2000. Matt studied a Bachelor of Commerce and has completed a Cert IV in Finance and Mortgage Broking and is accredited with the FBAA. Matt has a Life Coaching qualification coupled with many years of personal and business life coaching experience.

On a lighter note, Matt loves all things sport – particularly Rugby League, Rugby Union (an avid Queenslander!) He is a keen trail runner and can now call himself an ultra marathon runner with a few 50km+ and 100km trail races under his belt. He also has a personal interest in raising funds for Type 1 Diabetes and volunteering as a Life Saver at Met Caloundra Surf Life Saving Club.

Nerida Punter

Chief Operating Officer, Marketing and Strategy

Nerida has a Bachelor of International Business, with a marketing major. She has worked in marketing-related roles for 20+ years with a particular focus on brand marketing, start-up branding and marketing strategy. She has owned her own consulting business for over 10 years working in the legal, financial, industrial and property industries, in between raising three children.

Nerida also loves sport and fitness, camping and travelling, great food and good coffee. Her family will tell you she’s a crazy runner too – with trail ultra marathons being her event of choice! Matt and Nerida have run the Blackall 100km trail race in the Sunshine Coast hinterland (several times) and done multiple 50km+ events across Australia, with the Larapinta Trail in the NT being one of their favourites. 

Sam Gardiner

Group Broker Manager, Senior Mortgage Broker

Sam stumbled into mortgage broking by chance after an opportunity arose following an overseas adventure. He quickly figured out that broking fit with his strengths and skillsets. Sam has a Bachelor’s Degree in Business majoring in Management and a Diploma in Finance and Mortgage Broking Management under his belt. He has worked in brokerages since 2015 and prior to that worked in accounts within the insurance and construction sector for 4 years. Sam’s analytical approach and outside the box thinking means he helps provide clients with solutions to complex scenarios. He goes above and beyond by structuring lending for his clients’ future planning. He knows our lenders’ policies inside and out –  with an amazing ability to recall which lenders are offering which products at what rates on any given day. Sam particularly enjoys working with our active investor and developer clients who require specific structuring to achieve their goals.

Outside of work Sam enjoys spending time with family and friends, watching and playing sports or enjoying the latest Netflix drama. Having just recently purchased a new home, he has been spending a lot of time landscaping and gardening. Did you know that Sam also plays cricket for the Sunshine Coast Scorchers, and even captained the team for a few years?

Kylie Meredith

Business Operations Manager & Mortgage Broker

Kylie has worked her way up the ranks over the years, having begun on the ASIC help desk back in 2010, to earn her Diploma of Finance and Mortgage Broking Management, Certificate IV in Financial Services and Certificate III in Business Administration. Starting out as a loan processor and settlement agent in 2016, Kylie then moved to office manager and qualified as a mortgage broker in 2018 before joining Punters Finance in 2019.

Kylie loves being in a position to educate people and help clients reach their property goals and gain financial freedom. She goes above and beyond for her clients by making them entirely comfortable where no question is a silly question. As Broker Administration Manager, Kylie manages the onboarding team (quite brilliantly I might add!), ensuring that all clients are contacted in a timely manner; documents are collected and initial assessments conducted. 

Outside of work you’ll find her camping at the beach, in the bush, playing music or cooking up a storm (at least trying to!).  Kylie is our go-to for a great music playlist at any work function.

Roger Ruhle

Senior Mortgage Broker and Broker Mentor

Roger has been in the banking industry since leaving school, having worked for 30 years at ANZ. With his extensive knowledge and experience in the banking industry, Roger has been a qualified broker for almost 20 years having completed his  Diploma of Finance & Mortgage Broking Management and a Certificate IV in Financial Services. 

Rog loves working with residential, commercial, SMSF, Low Doc and SME loans. His goal is to ensure all clients are well looked after and that they get a positive outcome – every time. The greatest satisfaction he sees is assisting first home buyers, generally with very small deposits, turning their dreams into reality and owning their first property. Roger helps his clients succeed by problem-solving, finding realistic solutions all mixed with the appropriate can-do attitude to assist people from all walks of life.

You will see from all of the reviews and recommendations from clients on Google and Facebook, that Roger is knowledgeable, patient, kind and understanding.  For these reasons (and more), he is a great mentor and role model to our more junior brokers, trainee brokers and processors and we are grateful to have him on the Punters team.

When he’s not working you’ll find Roger playing golf, fishing, boating, gardening and spending time with his family and 6 grandchildren (not necessarily in that order). He also enjoys watching most sports, particularly rugby league and golf.

Morena Fari

Administration Assistant

Morena moved to the Sunshine State 3 years ago from the banking capital of the world Switzerland. With 3 and half years of experience in accounting and a Diploma of Event Management, Marketing and Administration under her belt Morena continuously provides professional service by assisting clients with their initial finance queries and documentation. 

While working in accounting Morena was also involved in property management, where she became very interested in finance and real estate. Morena joined the mortgage broking industry because she gets to work in finance while still being involved in the property industry.

In her spare time, Morena heads to the beach, goes hiking and camping. She also loves to travel and often goes away over the weekends to explore our beautiful area. Did we mention that Morena is also fluent in German, French and Spanish?

Maria Vottari

Mortgage Broker

Maria has worked in the banking industry for 14 years and has spent the last 7 years as a Mortgage Broker assistant in Adelaide & recently on the Sunshine Coast.

With a keen interest in real-estate & passion for customer service, Maria enjoys assisting & guiding clients through the home loan process so they can reach their financial goals & achieve their dream
In her spare time, Maria loves exploring the beauty of the Sunshine coast.

Nick Hague

Business Development Manager

Professionally, Nick has always been ambitious. He trained to be an electrician before setting up and running a successful electrical business. His business has been in operation for 16 years and now employs 12 staff members. Throughout his time in business Nick has made numerous connections within the construction, property and real estate industries. Owning and operating a business has allowed Nick to hone his management, financial, leadership and entrepreneurial skills.

Nick holds a Principal Real Estate Licence with the REIQ. He has been an active property investor and developer since 2013. Nick has completed numerous property development projects including renovations, new builds, and subdivisions. These projects have occurred through joint ventures, money partnering and project management.

Nick is now taking a step back from his business to follow his interests of finance and property development. He is passionate about helping people to make the most of their finances. Nick is a positive, intelligent, hard working and likeable person. He will always go the extra mile to ensure the best outcome for his clients.

Personally, Nick is a keen runner, loves sports and being outdoors. He has completed many cycling, triathlon, and ironman events. He has three teenage daughters who he enjoys spending time with (when he can get them away from their devices)! He has a personal interest in raising awareness for men’s mental health and raising funds for Beyond Blue.

Katrina Jones

Administration Assistant

Trina has worked with Bank of Queensland on and off since January 2000, so is no stranger to the world of finance.  You will find her on the front desk at TSC/Punters Finance assisting clients with documentation, taking calls and inputting client data.

Trina has lived on the Sunshine Coast for 16 years, making her ‘almost’ a local!   She has her beloved cat Max; her partner and two beautiful kids, whom she spends a lot of time driving from soccer match to soccer match and everywhere in between.  On top of that she manages her club soccer team; Rep team and National team – so there is not much spare time to head to the beach, though she manages to squeeze in some beach time in the off season.  Trina is a self confessed, one-eyed Melbourne Storm supporter – creating some rivalry in the office!

Toni Reid

Mortgage Broker

Toni is born and bred on the Sunshine Coast, a true local.  She worked with a big four bank for seven years before moving across to Mortgage Broking, support a number of local brokers for the past six years.  Needless to say she has a great deal of experience and qualifications, including her Cert IV in Finance and Mortgage Broking.  Toni loves the industry, particularly helping clients secure their dream home without too many complications.  

Toni loves to spend time with her two young children; her husband and their beagle Benny when she is not working!  She also has a passion for interior design and styling – so if you are looking for a home refresh or moving into a new property, perhaps she could offer some great tips and tricks on styling your home!!  

Jacqui Cramond

Mortgage Broker Assistant

Having worked as a mortgage broker in South Africa for over 20 years, Jacqui transitioned to Australia a few years ago to take on the role of Mortgage Broker Assistant, where she has
now learnt the ropes of the Australian market.

Jacqui was drawn to this industry because it offers a dynamic environment where she can help and engage with a wide variety of clients, addressing their individual needs. She is passionate about helping people achieve homeownership and witnessing their dreams come true. The constant evolution of the industry excites her, as no two days or clients are ever the same. As well, Jacqui’s strong empathy towards people’s needs and desires, both within her organisation and towards clients, drives her to add value to everyone she interacts with.

Outside of work, Jacqui absolutely loves spending time at the beach with her family, as well as enjoying reading and cooking.

Jacqui O’Connell

Client Services & Settlements Officer

Meet Jacqui, a skilled professional dedicated to assisting clients with a stress free experience. Serving both new and existing clients, Jacqui specialises in addressing the lending needs, facilitating loan restructures, handling pricing requests, managing security variations, and excelling as a retention specialist. Thriving in time-critical environments, Jacqui efficiently manages tasks while remaining calm under pressure. From approval to settlement, Jacqui navigates and supports clients every step of the way, ensuring timely updates, promised follow-ups, and clear communication for a seamless lending process.

Emily Clements

Mortgage Broker Assistant

Emily relocated to the Sunshine Coast from Brighton, England, eight years ago, bringing a wealth of experience and expertise across various industries.

During her early career, Emily balanced her studies in psychology with a position in Elite Banking at American Express. This role honed her skills in customer service and financial management. Upon completing her degree, Emily transitioned into the real estate sector, where she quickly ascended to the role of branch manager, demonstrating her leadership and operational acumen.

In 2016, Emily made a significant move to Australia, where she became the National Operations Manager for a direct sales company. Her strategic oversight and management skills were pivotal in driving the company’s national operations forward. In 2021, Emily ventured into the finance industry, leveraging her diverse background to provide exceptional service and expertise to her clients.

Outside of her professional endeavors, Emily enjoys spending quality time with her children and beloved pets. She is also passionate about socializing with friends and attending live music events, embracing the vibrant community and lifestyle of the Sunshine Coast.

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