About CoastFin Financial Services


CoastFin’s mission is to make your lending experience including home loans, commercial finance and asset purchases, effortless and rewarding for our clients. We build strong, personal relationships with every one of our clients and will work tirelessly to find you the right loan.

With over 80 years combined experience in commercial and specialised banking in addition to home and mortgage lending, we’ve built a reputation as a trusted partner in finance and mortgage broking.

As a CoastFin client, you can rest easy knowing that we will always have your best interests at heart, and we are here to assist you. We pride ourselves on transparency and communication and know that the finance decision that our clients make can be a long-term decision and one of the biggest commitments that they will have. We do not take our responsibility in that lightly.

With so many lenders, banks and financial institutions that are in the market, CoastFin are the trusted link to ensure that we source the most appropriate options and scenarios are available to our customers.

We do not charge any fees for the services we provide for our clients. We are renumerated by the bank or lender that you choose to proceed with.

Our Team

Luke Talbot

Director / Mortgage Broker

Luke is the Director and Founder of CoastFin and after many years in one of the major banks, his focus for the CoastFin brand is to make sure that every customer is provided a great deal and has a great experience. Luke is constant figure in the local business scene around the Central Coast with exposure and experience spanning into Sydney and Newcastle having looked after high valued clients in all these areas from all aspects of commercial business and personal lending positions. With a passion for the Coast and all that it brings, the lifestyle and people that make it home, Luke is committed to providing a service-based offering with longevity. Always Personal, Proactive and Progressive, Luke is responsive not only to his valued clients but also the industry and the ever-changing financial impacts that are ever present.

“I love seeing my client’s faces and hearing from them when they pick up the keys to their new home, their new car or the opening day of their new or revamped business. Knowing that I have helped them into their dreams or achieved their goals is why I am so passionate about this business.”

If you would like to contact Luke, call him on 0402 796 819.

Michelle Jarvis

Mortgage Broker

Michelle started her financial services career in 2004 with one of Australia’s “Big 4” banks, moving to mortgage broking in 2012, becoming part of the CoastFin team in 2020.

With a wealth of industry experience and specialised knowledge, she takes a holistic approach to her clients lending and financial needs from buying their first home to building an investment property portfolio.

Michelle nurtures her clients at every stage of the lending process, ensuring the ideal customer experience.

“To me, my clients are everything…. never just a number and every solution presented is tailored to their needs. So, whether you’re looking to save money on your mortgage, buy your first home or build a large property portfolio, I am here to help!”

If you would like to contact Michelle, call her on 0421 652 275.

Wade Picken

Mortgage Broker

Wade joined the CoastFin team from working in the home lending space within a couple of the banks for over 10 years.

He has a deep understanding of the mortgage process and a passion for helping clients achieve their homeownership goals.

Wade is dedicated to providing personalised, knowledgeable service to every client, working tirelessly to find the right mortgage solution to fit their unique financial situation.

Whether you’re a first-time homebuyer or looking to refinance, Wade will work with you every step of the way to make the mortgage process as stress-free and seamless as possible. With his expert guidance, you can feel confident that you’re making informed decisions about one of the biggest investments of your life.

Get in touch with Wade today to start the journey towards homeownership on 0407 986 017

Emily Krivohlavy

Mortgage Broker

Emily brings a level of energy and service to all aspects of the CoastFin journey for our valued clients. In Emily’s eyes, the customer comes first and working with them, her goal is to always find an outcome.

Emily will be there along the way of your finance and home loan journey providing support and insights ensuring a seamless experience during the application process and throughout the lifetime of your loan.

If you would like to contact Emily, call her on 02 4326 8843

Breeanne Lane

Loan Analyst and Administration

Breeanne is a crucial member of the CoastFin family and ensures that all loan applications are processed efficiently and accurately.

Breeanne works closely with clients and lending institutions to provide the best possible loan experience and is dedicated to providing exceptional customer service.

An amazing communicator and loves to make sure that a positive outcome is always had.

If you would like to contact Breeanne, call her on 02 4326 8843

Helen Green

Loan Analyst and Administration

Helen is another crucial member of the CoastFin family and ensures that all our clients achieve their financial goals.

Helen is the guiding light helping our clients through the loan process, ensuring they have a smooth and positive experience. Always ready to assist and answer any question, with exceptional customer service and passion for helping out.

If you would like to contact Helen, call her on 02 4326 8843

Sue-Ellen Miotello

Client Support

CoastFin specialist in front line service for all our clients. Sue-Ellen is always making sure that our clients receive the highest level of support and satisfaction and is our go to for assistance after your settlement takes place.

A true passion in making sure everyone has a smile on their face and even loves the battle with the banks and lenders to make sure that your interest rate remains competitive in the market (even a few years down the track).

Sue-Ellen is a superhero of customer service with powers of empathy and communication.

If you would like to contact Sue-Ellen, call her on 02 4326 8843