Credit Adviser
Tom leverages 14 years of experience, including senior roles at major banks, to expertly guide clients through the intricacies of lending, known for his keen attention to details and unwavering commitment to customer success. With a specialisation in residential and commercial lending across the spectrum, from first-home buyers to complex scenarios, Tom’s background in assisting Medico clients further underscores his expertise.
CR 540255 | ACL 501018
With over 14 years in financial services, Tom has held senior roles across Commercial and Private Banking within major institutions giving him a deep understanding of credit, risk, and strategic lending solutions.
He specialises in complex finance across residential, commercial, and development, structuring funding for property developers, business owners, and high-net-worth clients with unique needs.
His approach is pragmatic and detail driven. He cuts through complexity with clarity and precision, ensuring every client understands their position and options at every stage of the process. By combining deep banking insight with the flexibility of broking, he delivers finance strategies that are efficient, compliant, and built around long-term goals.
Relationships are at the core of everything he does, built on transparency, trust, and consistency, deal after deal.
He holds a Certificate IV and a Diploma in Finance & Mortgage Broking and is a big believer in creating long term relationships with clients
Tom Bracey was absolutely fantastic. He helped me with a loan to get it approved very quickly and help me avoid multiple mistakes that I would have made on my own. Highly recommend.
Request a free consultation today – no strings attached.

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