David Johnson

Credit Advisor
0412 218 568

David Johnson is a Mortgage Broker with a difference, the difference is you. He focuses on understanding you and your needs first and helping you to understand all the options so you can make Informed Decisions and importantly you have a stress-free experience.

With a vast wealth of experience in the Mortgage & Finance Industry having settled millions of dollars’ worth of loans over many years and worked with a variety of clients with diverse needs he can help you.  If you are looking for your first home, next home or Investment property loan, Car loan or Business loan… you have the right guy


I am a proud country boy; my home town is Armidale in Northern NSW where I attended school and University. Having moved to the big smoke in 1998 I now call the Lower North Shore home where I live with my beautiful wife Kerrie and 2 lovely Daughters Ella & Holly.

I am a Director of Noble Financial Services, joining the business initially as an employee back in 2004. I also started my own Blog that morphed into a personal ‘brand’ www.thehomeloanguy.com.au

I have been a member of Balmoral Triathlon Club since 2008 and it is such a great triathlon club I wanted to support them and now I am a proud sponsor. Check them out www.balmoraltriclub.org.au.

Understanding your struggles

Having been in the industry for many years it is so satisfying being able to work with clients who were first home buyers and have now started their family and have upgraded the family home and even become investors.

Having been on this journey personally and worked with so many friends and clients through the same time in their lives I understand the short cuts and can walk you through options to make sure you understand how to go about upgrading your home or set up an investment loan correctly and get it right and avoid the stress.

If you start your own business you have your own special needs trying to balance borrowing needs and tax minimisation, we need to talk to make sure you get the balance right.

What is a Mortgage broker to you?

I see the job of a broker is to be a client advocate. To have the knowledge and understanding to be able to take advantage of what the various Banks & Lenders offer so you can take advantage of what is available to save you money.

Talk to me about saving money on Home Loans or Investment Loans, Car, Truck or Asset Finance and Business or Commercial Finance.

Why did you become a Mortgage Broker?

In 2000 my first tentative steps into the finance industry were with GE Money in their old branch network. At the time their average personal loan interest rate was 24% and their home loan rates started at 19%.

I was not comfortable with this from day one. Added to this the branch staff received a bonus if the average rate for all loans for each month was higher than a designated level – and if I cross sold Loan insurance and Life insurance I would get another bonus.

It did not sit well with me at all it did not appear to me to be responsible lending or be in the interest of the clients, rather the profit of the business was the main focus. I only lasted 8 months and thus became my journey as a Mortgage Broker

What makes you different to other Mortgage Brokers?

My primary concern is making sure I first understand you what your needs are before recommending any product or lender. It is very important to me that you understand what your options are and how you can take advantage of the products offered by the Bank or Lender.

I can’t fix my car, I get a mechanic. It should be the same with your home loan and other borrowing needs. There are so many options available it can be confusing and how do you know what is the best? Talk to a professional with assess to a wide range of lending options and the dedication to work with you to achieve your goals.

An Industry Highlight

A client was referred to me – he was a self-employed truck driver. When he purchased his home he had a high interest Lo Doc home loan. I liaised with the client and his accountant and discovered that his financials were very good and he could easily qualify for a normal loan. I was able to get him an interest rate that was 1.35% lower than his old loan saving him over $560 per month in interest. One very happy client.


  • Member of PLAN Australia
  • Full Member of the MFAA (Mortgage & Finance Association of Australia)
  • Diploma of Financial Services (Finance/Mortgage Broking Management)
  • Certificate IV in Financial Services (Finance/Mortgage Broking)
  • Member of CIO ( Credit and Investments Ombudsman )
  • Graduate Diploma Business Studies (UNE)
  • Bachelors of Agricultural Economics (UNE)


  • Inducted to the PLAN Australia Hall of Fame
  • Authorised Credit Advisor of the MFAA (Member No: 13228)
  • Member of the Credit and Investments Ombudsman (Member No: 412589)
  • David Johnson is a credit representative (CRN 399 318) of BLSSA Pty Ltd (Australian Credit Licence No. 391 237)

David’s Recent Blog Posts

A man and woman sitting on a bench.

0% Finance Car Finance

Zero Percent Car Finance and Low Rate Finance deals are being offered by an ever increasing number of car dealers - Is it really as good as it sounds? There's nothing like the smell of a new car! In fact, figures show Australians bought a…


Savvy borrowers have an endgame in sight before they even apply for a home loan, and with the right mortgage offset account, they could win that game even more quickly. Home buyers usually focus on the here and now, not the distant future.…
A man and woman sitting on a bench.


There are a range of home loans available in Australia, so it can be hard to understand their features and whether they are right for you. This guide explains all you need to know. Variable loans Variable loans are loans that are subject…


David has helped me with multiple borrowings, across several states, for investment properties. I’ve found him to be a very professional and likeable guy. He has taken much of the headaches and paperwork out of what is a complex set of processes. David has at all times been highly responsive to our needs, plus keeps in close contact with the banking partner. I would highly recommend David to anyone seeking mortgage advice. I was so comfortable with David that my first referral was my Daughter Kate – who he recently helped acquire her first studio unit at Newtown.

Steve R

As a confused first home buyer, David greatly helped me understand not only the financial elements of a home purchase, but the overall process of purchasing from start to finish. He took the time to clearly explain everything to me and listened carefully to my requirements. Based on his understanding of my situation, and his past experience with other clients, he then recommended a range of suitable products that all had the features I needed and also very competitive rates. Once I’d made a choice, he then completed all the complicated paperwork and dealt with the relevant parties on my behalf. During this process he provided me with regular updates of how things were progressing; giving me confidence that everything was always being taken care of. I would definitely recommend David to others; his friendly approach and high level of industry knowledge make for a great combination.

Luke B

David Johnson provided a professional yet personal mortgage brokerage service to me. As a first home buyer David provided me with options and patiently walked me through any questions I had. David allowed me to feel happy and confident in my loan selection. I would, without hesitation, recommend David Johnson at Noble financial services and when I require mortgage broker services I will be asking David for his assistance.

Meredith S