Whether it’s your first home, an investment property, or refinancing existing loans, we’re here to help make it happen.
Hi, I’m Alice – founder of Cleverly Finance. I’m a mortgage broker with over 14 years of experience in accounting and finance. I started this business to help people turn their goals into reality – whether that’s buying a first home, building an investment portfolio, or funding a business venture.
My journey has taken me across the globe. I was born and raised in Vietnam and began my career as an auditor at a Big 4 firm. In my mid-20s, I moved to the UK to complete a Master’s in Business Management, then worked in corporate finance for a listed company in Singapore. At the start of COVID, I relocated to Australia at age 30 and within a month, I started my own business.
I know what it’s like to start fresh in a new country – and I understand both the challenges and the dreams that many migrants carry with them. As a property investor myself, I’ve also faced the same obstacles many self-employed individuals experience when trying to secure a loan. From proving income to navigating complex paperwork, I understand what’s involved—and how to get prepared.
Through my work as a virtual CFO and accountant, I’ve supported small business owners across Australia. I understand how their businesses operate, the cash flow pressures they face, and what lenders are really looking for. I also bring a deep understanding of tax laws in Australia as well as in countries like Singapore and Vietnam—knowledge that can be especially helpful for clients with overseas income, foreign assets, or complex tax situations.
Cleverly Finance was born from my desire to make things easier for people like you. Whether you’re self-employed, a new resident, or a young couple buying your first home, I can help you better understand your financial position, improve your saving habits, improve your borrowing capacity, and secure the right loan for your needs. I also help you manage your cash flow more effectively so that you’re not just getting a loan—you’re building long-term financial confidence.
Outside of work, I enjoy cooking, hiking, karaoke, playing board games, reading, snorkelling, travelling, and spending time with my dog. I’m also an active member of the Wanneroo Business Association here in Perth.
If you’re looking for a mortgage broker who understands your journey, speaks your language, and can guide you with care and clarity – I’d love to help.
We work for you, not the banks. We will act in your best interest.
Our service is 100% FREE. You don’t pay us – lenders do.
We know numbers inside out. With 14+ years in accounting and finance, we understand complex financials and tax issues. We know how to present your application so it makes sense to lenders and helps you get approved faster.
We’re flexible. We’ll meet you at a time and place that works for you – whether that’s at home, after hours, or online.
We understand your journey. We specialize in helping self-employed individuals, entrepreneurs, young professionals, and migrants – because that’s who we are too. We speak your language and understand the challenges you face.
We put you and your goals at the heart of everything we do. We take the time to truly understand your unique situation, listen to what matters to you, and tailor solutions that meet your needs. You’re not just another client — you’re a valued partner on this journey.
We believe finance doesn’t have to feel overwhelming. Our job is to explain things in plain, simple language so you feel fully informed and confident at every stage. No confusing jargon, no hidden surprises — just clear, honest guidance you can trust.
We know life can get busy, and we’re here to make things as easy as possible. Whether you prefer to meet after hours, at your home, over a coffee, or online, we’re ready to work around your schedule and make the process smooth and convenient.
We’re in this with you for the long run. Even after your loan settles, we stay by your side to check in, review your loan, help with refinancing, or unlock equity for future plans. As your needs grow and change, we’ll be here to guide and support you.
We start by getting to know you — your goals, your financial situation, and any challenges you’re facing. We help tidy up your finances, explain your options, and lay the groundwork for a strong application.
We search across a wide range of lenders to match you with the best loan for your needs. We handle the paperwork, negotiate on your behalf, and guide you through the application to secure fast approval.
Our help doesn’t end when the loan is approved. We stay in touch to make sure you’re still on the best rate, assist with refinancing or accessing equity, and provide advice as your financial needs evolve.
“My previous company used Alice’s accounting services, and she was excellent to deal with—always professional and genuinely caring. That’s why, when she opened her mortgage broking business and I needed a home loan, I had no hesitation in choosing her. Being relatively new to Australia, the process of preparing my financials for a home loan was daunting, and I had no idea where to start. Alice patiently guided me through every step and went above and beyond to help sort out my taxes and credit records to make the application possible—something I didn’t think was achievable at this stage. Thanks to her, I’ve now purchased my Australian dream home. I can’t thank Alice enough for all her help and continued support, even after settlement”
I was referred to Alice by a friend who uses her bookkeeping services, and I’m so glad I reached out. Having started my own business a few years ago, I’ve been juggling a lot and often felt overwhelmed. I wanted to build a house but wasn’t sure if being self-employed with irregular income would make that possible. From our very first consultation, Alice put me at ease. She has a great way of explaining things and helped me make sense of my business financials. She gave clear, practical advice on what I needed to do to clean up my records and show more consistent income for a home loan application. Alice followed up regularly, always generous with her time and willing to answer any questions I had. After a few months of preparation—and a huge amount of help from Alice—I was able to secure a loan to build my first home. None of this would’ve been possible without her support. I truly can’t recommend her highly enough!.
Whether it’s your first home, an investment property, or refinancing existing loans, we’re here to help make it happen.
© 2025 Cleverly Finance. All Rights Reserved.
Cleverly Finance Pty Ltd (ABN: 36 689 011 443) is a Credit Representative (CRN: 571153) of Finsure Finance & Insurance Pty Ltd (ACL: 384704)