• David Chia

    Founder and Principal

    Principal and Founder of Mortgage IQ, David Chia is one of Australia leading and most successful mortgage broker, a multiple award winner and trailblazer. Most recently, he sold his Number 1, Yellow Brick Road Randwick Franchise after successfully establishing it and operating it for the past 7 years. After taking it to the Number 1 franchise over the past 3 years (2016, 2017 and 2018 periods), David was keen to take on his next challenge and long term passion of starting his own successful brand.

    Mortgage IQ was created with the intention to utilise all David’s industry years of expertise to provide a service that is truly unique and valuable for his clients.

    David began his career as a Qualified Accountant and has since held various senior positions at the ASX, Deloitte, Macquarie Bank, Stockland and Ernst and Young.

    David holds a Graduate Diploma in Applied Finance, Master of Business in Finance, Diploma in Mortgage Broking, Diploma in Financial Planning, and is a Certified Practising Accountant (CPA).

    David’s goal is to genuinely see his clients succeed financially through education. He offers a completely tailored offering that will enable his clients to achieve their financial goals now and into the future.

    David believes in the principle of ‘client for life’ and will strive to service more than one generation in every family.

    0403 238 670

  • Erny

    Founder and Business Relationship Manager

    Business Relationship Manager and Founder of Mortgage IQ, Erny has been the backbone of one of Australia’s leading and most successful mortgage broking businesses. Most recently, she was the key operations and business relationship manager of the Number 1, Yellow Brick Road Randwick Franchise after jointly establishing it and successfully operating it for the past 7 years with David.
    Erny comes from a successful career in Finance with Deloitte and IPAC Financial Services. She has vast experience as a finance professional and has a Commerce Degree majoring in Accounting from Melbourne University.
    She is passionate about customers and people. Her clients appreciate her genuine care and enthusiasm.
    Erny’s professional approach and positive attitude ensures that her clients receive the attention they deserve.
    She values the opportunity and experience of working alongside the team and plays a crucial role in ensuring their continued success.
    0414 244 268
  • Daniel Rindang

    Partner – Finance Advisor

    Daniel comes from a successful career in the Banking industry with over 10 years of experience prior to joining Mortgage IQ. Daniel is working closely with David Chia to uncover the financial needs, goals and aspirations of our clients. Daniel also manages the loan process – from loan applications to the lenders, liaisons with solicitors/conveyancers and ensuring the whole mortgage process is as smooth as possible and provides a great experience to our clients.

    Daniel graduated from Monash University with a Bachelor Degree of Business and Commerce, majoring in Accounting and Public Relations. He started his career at Westpac Bank then joined HSBC where he spent almost 5 years as Premier Relationship Manager. Daniel was one of the top Premier Relationship Managers for the last 2 years of his time at HSBC Bank.

    Daniel also holds Cert IV Finance and Mortgage Broking.

    “In the last ten years working in the industry, I have met a wide variety of individuals who have shared with me valuable lessons in many aspects of life. One lesson is very clear, anyone from any walk of life can have that great Australian dream of owning a home and can utilise property investing to secure financial freedom sooner rather than later. I am delighted that I can be a part of the journey for our clients to achieve this dream”

    In his spare time, Daniel likes to try out new eatery places and he loves cooking.

    Daniel cannot wait to hear your stories, goals and aspirations, put them into an action plan and work to help you to make them a reality.

    0468 863 755

  • Phil Lau

    Partner – Finance Advisor

    Partner at Mortgage IQ, Phil Lau is a proven financial service professional with a passion for helping his clients achieve their financial goals. Phil began his career as a Chartered Accountant and has over 20 years of experience in accounting and finance for major international and national professional advisory firms. Phil believes that his experience and skill can help average Australians become financially smart.

    Phil holds a Graduate Diploma of Finance and Mortgage Broking Management, Cert IV in Property Services ( Real Estate ), Diploma in Applied Finance and Investment, Diploma of Chartered Accounting (CA) and Bachelor of Economics ( Accounting)

    Phil works extensively with major public lending institutions as well as private funders for the provision of the following services:

    • Residential mortgages
    • Construction finance
    • SMSF Loans
    • Business loans

    Phil is a proud husband and father. In his spare time, Phil enjoys cooking for his family, watching movie and reading.

    “I take immense joy – seeing my clients light up with comprehension and confidence when I’ve helped them greet a new reality and attain their financial goals.” – Phil Lau

    Phil is a Credit Representative of Mortgage IQ (ACL 384704) authorised to deal in and provide advice on home loans and commercial financing.

    0416 247 756