I’m a mortgage broker helping Melbourne first home buyers and small business owners to achieve their dreams.

I’m a mortgage broker helping Melbourne first home buyers and small business owners to achieve their dreams.

A free service that makes the home loan process so much easier

Using Nikki from Cherry Lending & Finance as your mortgage broker saves you time, guides you through the process and finds the best options from a wide range of lenders.

The best part is –  you don’t pay for it.

You’re making some of the biggest financial decisions of your lives and I’m here to guide and empower you. I live and work on the Mornington Peninsula and can share my local property knowledge and specialist advice for getting the best home loan or small business loan for your specific needs.

Much more than a mortgage broker.

Think of me as part of your team. Whether you dream of buying your first home, make the most of your money with home loan refinancing or growing your business, I’m here to help.

The actual mortgage or finance you eventually take on is such a small piece of the puzzle. The journey to get you there is so much more important.

First Home Buyers

Where do I start?

Tips on planning, First Home Buyers Grant and more

Small Business Owners

I’m ready to grow.

Small Business loans and start up business loans

Home Owners

How can we achieve our goals?

Equity, re-financing, investing, retirement planning

What our clients say…

As much as this seemed like a daunting task initially, after consulting with Nikki she explained the whole process, answered all of our questions and put our minds at ease.

David & Jaymie

First home Buyers

The whole process was very easy, smooth and fast. I felt like everything was explained so I could make an educated decision.


Krome Kids

I can honestly say that Nikki’s impeccable eye for detail and vast and credible knowledge of lending criteria and conditions and who best to service the loan resulted in me obtaining the money and happily being on the way to fulfilling my latest dreams.


Re-financing for renovations and car loan


Despite knowing from the beginning that I wasn’t necessarily ready to commit fully to a home loan Nikki went above and beyond to help me offer advice as to suitable options and always found the time to make herself available to me. As a first home buyer I was fairly anxious about making the right choice. However, after dealing with Nikki I feel much more comfortable about the process and know that she will be able to assist me to find the right option. Thanks Nikki.


First home Buyer

Although Marina and I have bought houses in South Africa and New Zealand this is our first home in Australia… Nikki is one of the most efficient and nicest people we have dealt with. Her tenacity in following up outstanding items was greatly appreciated and as well as advice she gave us along the way.

Chris & Marina

First home Buyers

Nikki has made buying our dream family home an absolute pleasure, she has held our hand every step of the way and we were able to just focus on looking for our perfect home and planning the move. I would highly recommend Nikki to anyone who feels overwhelmed by the process of buying a home or applying for a home loan, she instantly puts your mind at ease and is in constant contact through the whole process.

Rebekah & Patrick

First home Buyers



We always thought that because we both owned our own business that it wouldn't be possible to get back into the market.  After a conversation with Nikki, we started to believe that this might actually be a possibility!  When the factory came up for sale, we had to have it!  Nikki has made this dream come true for us!  With commercial lending and both having our own business this was not an easy case.  BUT Nikki was nothing short of amazing.  We were on deadlines, but she ALWAYS had this covered.  I felt like she was holding our hands the entire way through, and she continues to do so even after the settlement.

We are so grateful to her for making this dream become our reality and we can't wait for our business to grow even further now that we have the space!

Stacey & Dan

Small Business Owner

Ready to start the conversation?