Meet the foxx financial family

Penny - senior Mortgage Broker - OWNER

Home Loans, Business Loans, Refinances, Debt consolidation & Lenders

Penny is our resident 'go-getter', whose attention to detail is second to none! She worked with Terry who founded the company, but now owns the business and has continued to help it grow.

She has a wealth of experience, with over 20 years of real estate experience and 13 years in home loans. Penny has dealt with a wide range of different lending scenarios and prides herself on striving to get the best possible outcome for her clients with the highest level of customer service.

Penny specialises in first home buyer loans, investment loans, complex refinances and restructures and commercial lending.

Penny loves being a mum, reading, motorbike riding, wakeboarding, music, dancing, musicals and spending time with family and friends.

For any of your finance needs, contact Penny on

M: 0412 094 964

E: penny@foxxfinancial.com.au


Rachel - Mortgage Broker

Home Loans, Debt Consolidation, Business Loans, SMSF, Asset and Equipment Finance, Car Loans

Rachel is our ‘young gun’, whose warm personality will make you feel comfortable quickly.

From simple lending to complex lending, Rachel can assist you and provide a solution to any of your finance needs. She is up-to-date with Industry standards, and always puts her client’s needs first. She has a love for solving problems - yet she still hasn’t mastered a Rubik’s cube.

Rachel enjoys travelling and exploring new places, and cooking food from different cultures.

For any of your finance needs, contact Rachel on

M: 0433 561 823

E: rachel@foxxfinancial.com.au



Vanessa – Senior Mortgage Broker & MFAA Certified Mentor

Home Loans, Business Loans, Refinances, Debt Consolidation & More

Vanessa is a highly experienced finance professional with nearly 30 years in the industry. She is passionate about helping clients achieve their financial goals, taking the time to understand their unique circumstances and provide tailored solutions.

Known for her dedication and problem-solving skills, Vanessa goes the extra mile to research and secure the best outcomes for her clients. As an MFAA-certified mentor, she runs an industry-recognised program that supports new brokers in their first two years.

Outside of work, Vanessa enjoys spending time with family and friends, camping, and caring for her whippets.

For expert mortgage advice, contact Vanessa at 0429 032 973.

vanessa@foxxfinancial.com.au


A major life crisis motivated and educated me on finance, debt and time. Surviving this and being able to turn the situation around gave me the biggest financial lesson of my life and this also inspired me with the focus and drive to help other people.
— Terry Cochrane, Founder

we have OVER 45 lenders on our panel, below are Some of our Lenders for Residential and Commercial Loans