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MMO Team Photo

Our People

MO’R MORTGAGE OPTIONS is a team of mortgage professionals who will go above and beyond to provide you with exceptional service.

Being a family business, we can’t hide behind a big corporate name or a boss you never see. And quite frankly, we don’t want to.

Our family team of experienced and knowledgeable mortgage professionals will take the time to understand your individual needs and efficiently deliver a solution that is tailored to you.

We promise you will be well looked after!

Team Profiles

Michael O’Reilly | Managing Director

B. Rur. Sc.
Dip. Fin. Services
Diploma in Mortgage Lending
Certificate IV in Mortgage Lending
Full Member MFAA

People and property have been Michael’s passion for the last 40 years. Working closely with builders, real estate agents, vendors, buyers and financiers in varying roles, Michael identified a gap in the market which led to a unique vision for holistic and long term client engagement.

In 2000, Michael made this vision a reality by establishing MO’R MORTGAGE OPTIONS. Since that day, he has worked hard to deliver the best service possible to his clients, and as a result, has created one of Canberra’s most successful mortgage professional businesses.

Over the years, Michael has mentored mortgage professionals as well as coached property investors on ways to grow their portfolios. He has presented at conferences and property investment workshops and received numerous industry accolades.

But it’s the people side of this business that Michael most enjoys – which is why you'll still find him meeting with clients and working hard to deliver tailored home loan solutions.
“It’s a privilege to be trusted by so many, to provide mortgage finance solutions that can have such a positive impact.  It’s a compliment every time someone asks for my help, even after so many years in this business.”

Michael is also Director of one of Canberra’s boutique Property Management agencies.

Michael O’Reilly is a Credit Representative (Credit Representative Number 398718) of BLSSA Pty Ltd (Australian Credit Licence Number 391237).


Daniel O’Reilly | Mortgage Professional

Diploma in Mortgage Lending
Certificate IV in Mortgage Lending
Full Member MFAA

With 11 years experience as a Mortgage Professional, Daniel is an expert at helping people build wealth through property. With his help, not only will your loan structure meet your immediate financial needs, it will also help you achieve your long-term goals.

Daniel’s professional mantra is, ‘know your client’s finances better than they do.’ His passion for understanding a client’s situation and his dedication to help them achieve their goal, is the reason why so many people return to him year after year. It’s also why he was named by The Adviser Magazine, as one of Australia’s “Top 30 Young Brokers Under 30,” for 2014.

In 2006, a client approached Daniel with $100,000 equity in their rural property and a vision to create an investment property portfolio over the next 10 years. By working closely with this client, Daniel helped turn their goal into a reality – his client has just purchased their 8th investment property. It’s this long term commitment and dedication to his clients which sets Daniel apart from the rest.

Outside of work, Daniel enjoys travelling, playing golf and Aussie Rules with the mighty ANU Griffins footy club.

Daniel O’Reilly is a Credit Representative (Credit Representative Number 399930) of BLSSA Pty Ltd (Australian Credit Licence Number 391237).

Brendan O’Reilly | Mortgage Professional

Diploma in Mortgage Lending
Certificate IV in Mortgage Lending

Full Member MFAA

Brendan has over 11 years experience in the mortgage and finance industry and has financed over 400 individual properties, Australia-wide.

For the last two years, he's been recognised by Choice Aggregation Services as a “Platinum Achiever,” and was also named by The Adviser Magazine as one of Australia’s, “Top 30 Young Brokers Under 30,” for 2013, 2014 and 2015.

Brendan loves working with clients, to help them gain full control over their assets, and build significant property portfolios over time. One of the ways he does this, is manage and advise on the right loan structuring arrangements, to suit each client's circumstances.

Being an active property investor himself and having lived in the UK for 18 months, he understands how difficult it can be, to actively manage a property portfolio and finances back in Australia. He can provide advice for those living overseas now, or thinking about returning at some point in the future.

Brendan also has a deep understanding of buying property in a SMSF.

Brendan O’Reilly is a Credit Representative (Credit Representative Number 411804) of BLSSA Pty Ltd (Australian Credit Licence Number 391237).


Karen Ajaye | Mortgage Professional

Diploma of Finance and Mortgage Broking Management
Diploma in Mortgage Lending
Certificate IV in Mortgage Lending

Full Member MFAA

Karen has over 25 years experience in the banking and finance industry and has spent the last 16 years working as a Mortgage Professional.  Karen enjoys assisting her clients reach their financial goals, particularly when she can help them to achieve something they weren't sure was possible.

One of Karen’s favourite success stories is when she helped a new divorcee pay-out her partner to secure the family home – allowing her client to remain living there with the children.  But that was just the beginning.  By sharing her expert knowledge and offering support over a period of many years, Karen assisted this same client to purchase a further 3 investment properties.

When she’s not working, Karen loves spending time with her family.

Karen Ajaye is a Credit Representative (Credit Representative Number 399917) of BLSSA Pty Ltd (Australian Credit Licence Number 391237).



Greg Oberscheidt | Mortgage Professional

Diploma in Mortgage Lending
Certificate IV in Mortgage Lending

Full Member MFAA

Greg is a fully accredited Mortgage Professional with over 10 years experience in the finance industry. Greg relishes the opportunity to meet new people and finds it incredibly rewarding to help clients make their finances work for them.

Greg’s experience and knowledge allowed one of his clients to save over $10,000 in interest, per year. Until Greg reviewed the client’s existing portfolio and showed them their options, they had no idea how much money they could save.  In the client’s own words, ‘it was going to change their lives’.

Outside of work, Greg enjoys coaching the ANU football club in the local Canberra Australian Rules competition.

Greg is also an ACT Justice of the Peace, making it incredibly easy for you to get any documentation certified for loan purposes.

Greg Oberscheidt is a Credit Representative (Credit Representative Number 405583) of BLSSA Pty Ltd (Australian Credit Licence Number 391237).


Michael Baker | Mortgage Professional

Diploma in Mortgage Lending
Certificate IV in Mortgage Lending
Full Member MFAA

Michael joined MMO in early 2014 and already had 2 years experience working in the Mortgage Industry. He specialises in helping first home buyers, as well as investors starting out with their property portfolios.

Michael takes great care in understanding his client’s needs, so he can find them the best financial structure right from the beginning. As Michael likes to say, ‘measure twice cut once’.

As well as conducting detailed and long term analysis of a client's needs, Michael takes the time to properly explain and educate his clients on their mortgage options.

Accordingly, whether you’re purchasing a brand new home, established property, vacant land or about to commence construction, you’ll be glad to have Michael on your side.

His commitment to get you the right result combined with his proactive attitude, will ensure the process is as smooth and enjoyable for you as possible.

Outside of the office, Michael enjoys catching up with friends and family, going to the gym and cooking.

Michael Baker is a Credit Representative (Credit Representative Number 483922) of BLSSA Pty Ltd (Australian Credit Licence Number 391237).

Kathryn De Luca | Director

B.Comm (Hons), B.IT, M.Acct
Certificate IV in Mortgage Lending

After completing a first class Honours degree in Commerce/IT, Kathryn worked for KPMG in the early days of her career. However, the lure of the family business became far too great and in 2008, she officially joined the MMO team.

From managing the business financials to personally assisting clients, Kathryn says the best part about her job is the opportunity to do lots of different things.

Kathryn is passionate about continually improving MMO’s capacity to deliver exceptional service to clients and she actively supports the team to achieve this, by developing in-house tools and streamlining internal processes.

Kathryn is also responsible for managing MMO’s Marketing and Communication activities.  She creates digital content, manages email campaigns and ensures social media platforms provide clients with the educational resources they've come to expect from MMO.

Outside the office, you’re likely to find Kathryn at the park with her young boys - phone in one hand, jumbo coffee in the other.

Loretta O’Reilly | Office Manager

Since starting MO’R MORTGAGE OPTIONS with Michael in 2000, Loretta has played a crucial role in building the business - especially in the early days.

Nowadays, Loretta works with Kathryn to ensure the smooth running of MMO. Preferring a ‘behind the scenes’ role, Loretta provides tremendous support to individual team members and to the business as a whole. She helps with administration, accreditations, training, industry presentations, trade shows and conferences.

Outside of the office, Loretta enjoys gardening, travelling, walking and spending time with her grandchildren.

Award Winning Mortgage Professionals