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Kathryn De Luca

Kathryn De LucaKathryn is not your typical mortgage professional. She started her career with a Big-4 accounting firm, but quickly realised small business was for her. Kathryn wanted to leave the office each day feeling like she’d made a real difference to someone’s life. She wanted to spend her work day meeting new people and taking on new challenges, all whilst being part of an agile team.

When Kathryn joined the team in 2007, she found everything she was looking for and more. Being part of MMO has allowed Kathryn to combine her background in accounting and finance with her true passion of helping people.

Kathryn enjoys wearing many hats within our team as it allows her to help our clients in lots of different ways.

In her capacity as a mortgage broker, Kathryn personally assists clients by taking the stress out of buying property. She enjoys handling all.the.details so that buyers – particularly first home buyers – don’t have to feel anxious that they’ve ‘missed something.’ Kathryn loves guiding clients through the purchasing process – helping them to emerge as happy home owners confident about the financial decisions they’ve made along the way to get there.

In her capacity as an educator, Kathryn assists existing and soon-to-be homeowners by creating our digital content. Whether it’s a report on Canberra’s property market, a ‘getting ready for auction’ guide or articles that outline investment finance structures, Kathryn enjoys sharing her knowledge with a wider audience via MMO’s online platforms. You can find all our articles and free resources here.

Kathryn has a keen interest in health and wellness, is a mum to two sports-crazy boys and is a big supporter of local Canberra businesses. If you’d like to talk about your mortgage, your small business, or even the latest fitness craze(!), please reach out because she’s always up for chat.


How can Kathryn help you?


Kathryn can help you buy your first home.

Buying her first property over 13 years ago, Kathryn understands how stressful it is navigating the process for the first time – especially if you’re doing it on your own.

You’ve spent hours searching properties online, attended more-than-you-can-count open homes and you’re feeling extremely protective (and rightly so!) of that deposit you’ve worked *so* hard to save.


Kathryn can:

  • Explain your purchasing options – you’ll know exactly how much a lender will allow you to borrow;
  • Advise you on the different types of loans available, so you can select the right loan from the right lender (one that meets your needs and objectives, not the lender’s);
  • Organise the paperwork to get your pre-approval in place. Once you’ve found the right property, a pre-approval can give you the confidence to make an offer;
  • Support you through each stage of the process – there’s no need to lay awake worrying that you’ve forgotten something, or missed an important step;
  • Work with your conveyancer, real estate agent and lender to ensure everything happens according to the agreed timeline. (We’ll make sure you’re not in the position where your lease has expired but you still don’t have the keys to your new home).


What do people say about working with MMO?


Elle – First Home Buyer

We had such an amazing experience with the team. As first home buyers, they really gave us confidence (and realistic expectations) about what we could achieve. The entire team was incredibly responsive and helpful. Can’t recommend them enough!

Evan – Upgrader 

I highly recommend their services. Fantastic people, very knowledgeable and extremely hard working. So glad that we made the decision to work with them.

Rohen – Property Investor

It’s lovely doing business with you guys. I love the family feel – real people, not automatons who deal with money. Thanks again!

Courtenay – First Home Buyer

The service has been outstanding. It’s been a delight to have a great team working hard to get a superb outcome and making the process very easy for me. I will absolutely continue to recommend MMO to friends, family and colleagues.

Duale – Home Buyer

Amazing service from start to finish. Made an important time in life a breeze to get through. Thanks again guys!

Mel – Home Upgrade 

Just wanted to say thanks again – you guys have been by far the easiest people to deal with the whole way though and were so supportive, even in matters that weren’t necessarily directly related to you. You educated me about what options were relevant to my situation; facilitated the set up of my home loan quickly and efficiently; and stepped outside the box to provide sound advice on peripheral issues around the mortgage and the house purchase more generally.


How do you contact Kathryn?


The best way to reach Kathryn is to email Kathryn[at]mmo.com.au.

Alternative, leave your details here and we’ll be in touch shortly.


Kathryn De Luca is a credit representative (Credit Representative Number 399877) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).

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