About REFS Australia

Meet The REFS Australia Team

Debbie Hutchings | REFS Australia

Debbie Hutchings

Director | Mentor

Refsaustralia Mentor Eli Ajzenman

Eli Ajzenman


Louise Sayers | REFS Australia

Louise Syphers


Wayne Milner | REFS Australia

Wayne Milner


John Adams | REFS Australia

John Adams


Peter Clark | REFS Australia

Peter Clark


Why Choose
REFS Australia?

We believe your mentoring journey is the most important step in your career and want to ensure you have the best start.

A Trusted Pathway

Your success is our mission, and we support you until you are confident and truly thriving in your mortgage broking career.

Tailored Solutions

Our approach is built on the belief that your success is our success. We are passionate about helping you achieve your goals. The broking industry continues to evolve and we understand no two mentor journeys are the same. 

National Reach

With Australia wide reach, we offer our expertise and guidance to brokes nationally. We are also available online and go above and beyond to deliver industry-leading training and information sessions that go way beyond traditional mentorships.

What Clients say about us

Based on 10 Reviews
Nikki Nielsen
27 October 2023

I had the opportunity to go out on my own, however I had to have a mentor to see me through to the 2 year mark as an industry requirement. I contacted various ‘mentors’ and then I called Deb! Instantly I felt comfortable and knew she was the right fit for me and my business. Since Deb and the team at REFS are not ‘brokers’ offering mentorship it meant they had the time to take my calls and assist me through complex deals.. Deb has become a friend throughout the process and she has supported me in all I do, she has nominated me for awards and truly wants the best for me as a broker - and I love this! She’s uplifting, inspiring and an all round awesome human being. Deb and the team, thank you for allowing me the opportunity to work with you and thank to for setting me on the path to success. Nikki Nielsen, Loan Market.

Michael Evans
28 September 2023

Deb and Louise have been a great support in my big learning curve, and I couldn't have done it without them. Deb has always been available whenever I had needed her. I will miss them and the others I have met along the journey.

Jade Wright
25 April 2023

When I first met Deb, she was focused on learning more about me and how REFS can work with me to achieve my goals. I was completely new to the finance industry, and this was a huge jump for me. It was scary! Deb as my mentor was the easiest and best decision! She not only guided me through the process of writing loans but also helped me be more confident in myself, something I have always struggled with. Deb and the teams wealth of knowledge is second to none. The REFS mentor program is wonderful and informative and I could not recommend enough!! Thank you Deb and team, your passion for helping new-to-industry brokers will never be forgotten.

1 February 2023

Deb & the Refs team of Mentors make the mentorship process so easy, I actually started with a different firm and just didnt feel like I had the support I needed so I come across Deb and was a lot easier an strealined process to follow. If you are geen in home loan lending like I was the Refs is the place to start. Thanks Deb

Priya Jay
1 December 2022

We live in an ever-changing environment, and it can sometimes be very daunting to be a solo mortgage broker! As a solution provider looking after the client's best interest, we need to consider many variables. This is where Ded and the team come in! Providing accurate answers on time, guiding us in the right direction, running training sessions, and educating us on how to be the best in what we do have changed our lives. REFS has taught us the skills needed to be one of the best in the industry and how to look at things differently to grow the business. We love being a part of the group, and learning and sharing knowledge has been one of the main points for us. Highly recommend Deb and the team to anyone looking to join our industry or take the business to the next level!

Faraz Hassan
1 December 2022

Debbie is a true asset to the mortgage industry. Her commitment to excellence and mastery make her not only experienced but invaluable. Debbie is a powerhouse of expertise in mortgage consulting, armed with powerful strategies that are sure to revolutionise the industry. Her expansive knowledge and commitment to excellence make her an invaluable asset for any professional looking to get her services! Faraz Hassan- Top Finance Specialists

max tyers
1 December 2022

Deb introduced me to the mortgage industry and I couldn’t thank her enough. She is a book of knowledge and I can always rely on her if I ever have any questions regarding the mortgage and real estate market. There are many strategies she has offered to many brokers such as myself to help grow their mortgage business. I will always recommend Deb to new to industry and existing brokers. Max Tyers Advance Finance Group

Jason Cowburn
14 August 2022

I have been a mentee and member under the guidance of my Mentor Debbie Hutchings and REFS Australia, recently completing my 2 year mentoring journey. As a Connective broker and originally New to Industry, I am proud of my achievements in completing my program. REFS has taught me the skills needed to become a qualified broker and where the real value sits is with the additional Sales training that helps me in my business and pushes me to explore all aspects of lead generation, effective communication and working with Referral partners. These are the hands-on skills needed in order to make my business succeed. I would highly recommend Debbie Hutchings to any new broker, who is wanting an experienced mentor and additional Sales training that’s provided as part of the program. Jason Cowburn Director / Mortgage Broker – Variety Finance Pty Ltd

Marybeth Banks
3 February 2022

We are so thankful to have found Deb from REFS, not only helping us find a good well trained mortgage broker that is very good with knowledge of the finance industry and the various credit policies with lenders but even more she's helped us with our overall finance procedure to get us working more efficiently so we can pump out the work! Thank you so much. Marybeth Banks - MBFG.

Hai Tran
29 October 2021

REFS & Debbie provided me with an exceptional knowledges & experiences during the mentorship program. Debbie would be happy to check your file prior to submission, even on the weekend...! Thank you very much for sharing your time & knowledge Debbie.