About Top Mortgages

About Top Mortgages

Top Mortgages was founded by Rhys Dillon and Michael Watts. The vision of both Rhys and Michael is to create a company that is based on delivering the highest levels of dedication and service to all of their clientele. We  ensure that the finance we arrange for you is appropriate, this means that we will make reasonable enquiries in relation to your needs, objectives and financial circumstances prior to recommending a loan product.

Top Mortgages operates with the assistance of Australian Financial Group (AFG) who acts as our aggregator. We are also a full member of the Mortgage & Finance Association of Australia (MFAA).

  • Rhys Dillon
    Rhys DillonDirector | Dip FS (FMBM)

    Prior to entering the finance industry Rhys had extensive experience in marketing and management within the retail sector, then moved into the finance arena working in both marketing and management roles, providing finance for large scale farming operations, commercial and the residential lending sectors.

    Today as one of the founders of Top Mortgages, Rhys acts as a Principal / Director. Rhys holds the experience and relevant qualifications in Mortgage lending. He is a member of the Mortgage & Finance Association of Australia (MFAA) as well as a member of the Credit Ombudsman Services Ltd.

  • Mike Watts
    Mike WattsDirector | Dip FS (FMBM)

    Michael has spent the majority of his career in the finance industry. Prior to becoming a director of Top Mortgages Michael had gained experience in providing finance for large scale farming operations, commercial and the residential lending sectors, in both a marketing and management role.

    Today as one of the founders of Top Mortgages, Mike acts as a Principal / Director. Mike holds the experience and relevant qualifications in Mortgage lending. He is a member of the Mortgage & Finance Association of Australia (MFAA) as well as a member of the Credit Ombudsman Services Ltd.

  • Brian Neilsen
    Brian NeilsenCredit Represenative 462715

    Brian commenced as a Finance and Mortgage Broker and joined the Top Mortgages Team in 2014. Brian works primarily supporting the Business and Asset Finance requirements of his while being fully accredited as a Mortgage Broker for all aspects of lending

    Brian has over 20 years working closely with Business clients whilst he was a Relationship Manager with ANZ. His experience in working within many diverse regions of WA has given him insight to the differing needs of clients due to their location. In addition he has over 10 years working with start up businesses, franchises from varied industries and many mature businesses where he has been able to facilitate borrowing outcomes with minimal interference to the clients day to day operations.

    Please contact Brian should you wish to have an obligation free discussion around your Personal and Business needs

  • Penny Flack
    Penny FlackAdministration / Office Manager

    Penny has had over 22 years experience in the finance sector. She has worked for major banks in a number of roles as well as working for a major rural lending institution.

    Penny has a wealth of knowledge in relation to lending and all aspects of banking. Currently Penny’s role requires her to assist with mortgage solutions and scenarios for clients as well as the construction of all loan documents and submissions.

    Penny’s primary role is as Office Manager and assistant to the Directors, Mike and Rhys.

  • Tara Jones
    Tara JonesLoan Support Officer

    Tara has over 20 years experience in finance and banking roles. She has worked for a number of major lending institutions and gained a wealth of knowledge and experience.

    Tara’s current role requires her to assist with mortgage solutions and scenarios for clients as well as the construction of all loan documents and submissions.

    Tara’s primary role is as an assistant to the Directors, Mike and Rhys.

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