A mortgage broker who is in your corner…
Cherry Lending + Finance is a specialist mortgage brokerage with a focus on:
first home buyers
self-employed and non-standard income earners
people who want to get ahead on their mortgage, not just service it
We take the time to understand your unique situation properly, then build a personalised strategy that’s legitimate, thoughtful and designed to cut keys, not corners.
We advocate for you at every step and stay involved as your life and goals evolve. We help you understand the rules, find smart paths forward and stay in your corner long after the paperwork’s signed.
Buying a home isn’t just a single transaction. It’s a long game. Life will grow and change, and we’re here with you for the whole journey.
You may be currently challenged by:
Feeling left behind
You’ve been saving, but you’re worried you’ve indulged in too much avo on toast.
Overwhelm
Every man and his dog is giving you advice, and the rules never seem clear or consistent.
Being a misfit
You earn unconventionally, and don’t fit the cookie-cutter salary profile for a home loan.
Life after mortgage
You’re good at paying the mortgage. But you don’t want to owe the bank for 30 years.
Who We Are
We are a small and fiercely dedicated team, led by found Nikki Berzin. Nikki is an award-winning mortgage broker known for her calm, strategic and hands-on approach in an industry that is often impersonal, noisy and overwhelming.
She built Cherry Finance + Lending for people who don’t fit neatly into boxes: first home buyers, self-employed earners, emergency service professionals and anyone who’s been told “it’s unlikely” or “come back later”.
Too many capable buyers are sidelined not because they’re risky, but because their circumstances haven’t been properly understood or explained. Nikki specialises in uncovering legitimate pathways into the market that are often missed when lenders rely on surface-level assessments.
As a former career firefighter, Nikki also has a large client base of Emergency Service Professionals.
Problem-solving for capable people is her great passion.
Nikki excels at uncovering opportunities that are missed when financial situations are assessed at face value.
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“My husband and I couldn’t have gotten through the long process of getting not one mortgage but two without Nikki and Katie at cherry lending and finance, the entire process is pretty daunting especially when it is your first but Nikki and Katie made the entire process a breeze! Their communication is beyond what you would expect from a mortgage broker and any question’s that you may think are silly are always answered very promptly and full of information.”
Ellen Hynes
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“We cannot recommend Nikki and the team at Cherry Lending & Finance highly enough. Having dealt with banks directly in the past, being led through the process by Nikki was a breath of fresh air. She was so warm and helpful at every step, taking the time to ensure we understood what was happening and were happy with the results. She also went above and beyond, sharing her personal and professional experience, which helped us so much and gave us the confidence we needed. We will remain clients as long as she will have us! Thanks so much Nikki.”
Johannes Luebbers
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“For the better part of 3 years, Nikki not only advised us on the best mortgage product for our circumstances but, perhaps more importantly from our perspective, she patiently supported us throughout the rollercoaster experience that is house hunting, bidding and missing out to higher bidders. Nikki is all across the detail, nothing is too much and consistently went above and beyond. We could not thank her or recommend her highly enough!”
CM
5.0 ⭐️⭐️⭐️⭐️⭐️
Let’s find you a place that’s finally yours, where the next phase of life can unfold.
