Our Reverse Mortgage broker team

Darren Moffatt

Founder & Managing Director

“Even after all these years I still get a buzz out of helping people. Time and again, I’ve seen how releasing even just a tiny bit of home equity through a Reverse Mortgage can make a huge difference to someone’s life.”

Professional and licensed Reverse Mortgage brokers in Australia

Darren is an award-winning businessperson with almost two decades of lending experience.

He began his career in finance as a bank manager for Westpac in Sydney’s Inner West, before moving into corporate roles in mortgage insurance and non-bank lending with Royal & Sun Alliance and Challenger, respectively.

In 2005, Darren was appointed as the NSW state manager for a Reverse Mortgage lender with this was when he soon realised that there was a strong need for a mortgage broking service dedicated to reverse mortgages.

In 2006, he established Seniors First. The company quickly became an industry leader, and was recognised with awards in 2007, 2008 and 2009. Since then, Darren has often been invited to contribute to public policy forums and continues to appear regularly in the media.

Today, Darren is excited by the re-awakening of the Reverse Mortgage industry and the opportunities these new lenders and products offer to senior Australians.

As ever, he remains committed to serving their interests with responsible finance solutions that deliver a better retirement for Seniors First customers.

Elaine Kos

Area Manager

“When you retire your life doesn’t stop – you want the fun and enjoyment to continue. But this is often hard for people to achieve because all their money is locked up in the house. I love helping people access that money so they can have the wonderful retirement they deserve.”

Reverse Mortgage broker
ACT, Canberra

Elaine is the longest-serving member of Seniors First staff, having been with the company since its launch in 2006.

She is a qualified reverse mortgage broker with ten years of lending experience and is one of the leading Reverse Mortgage lenders in Canberra and the ACT.

In addition to her work with Seniors First, Elaine is a successful business person in her own right.

She is well known for her activities as a business mentor, advisor, and former councillor of the Canberra Business Council.

In 2002, her abilities were recognised when she became one of the Telstra Business Woman of the Year finalists.

Today, Elaine continues to help other seniors, and remains a passionate believer in Reverse Mortgages and its power to transform lives for the better.

Andrew Cate

NSW Reverse Mortgage Broker

“No two Reverse Mortgages are the same, and I work hard on tailoring each loan to best help the borrower. Helping people make an informed decision is vital, and showing borrowers which lender suits them best can make a difference both now, and years down the track.”

Reverse Mortgage broker
Sydney, NSW

Andrew is an accomplished Reverse Mortgage broker based in Sydney, NSW who also assists with Reverse Mortgages across NSW.

He has extensive experience in helping people over 60 release home equity to improve their retirement lifestyle.

Qualified in finance and mortgage broking, he has a detailed knowledge of the best Reverse mortgage lenders and interest rates.

Before joining Seniors First in 2014, Andrew was an established writer, and has run his own business for over 20 years.

He first became interested in Reverse Mortgages after seeing his father struggle to enjoy life on the age pension.

“Most people over the age of 60 didn’t grow up with compulsory super, and many will face financial challenges.

It’s enjoyable talking to people, getting to know what they need, and showing how a Reverse Mortgage can better their life."

Don Murdoch

QLD Reverse Mortgage Broker

“I’m a big believer in the positive power of Reverse Mortgages, but they’re not for everyone. I always tell it straight and try to educate my clients on the pros and cons of the different options available. I love getting referrals from happy clients.”

Reverse Mortgage broker
Brisbane, QLD

Don is a financial service professional based in Brisbane, Queensland.

Prior to joining Seniors First as a Reverse Mortgage Broker QLD, he had over 45 years of experience in financial planning and management.

Don has a history of keeping things simple and doing the right thing for clients.

Don’s first experience with Reverse Mortgages occurred in 2005 when his mother-in-law released some of her home equity.

Since then he has firmly believed in the product and the enormous difference a Reverse Mortgage can make to the lives of seniors in Queensland.

Bill James

Reverse Mortgage Broker Melbourne, VIC

Reverse Mortgage broker
Melbourne, VICTORIA

Bill is the Reverse Mortgage Broker for Melbourne & Victoria. He is a qualified Chartered Accountant and an experienced finance professional.

Bill has worked in a variety of senior financial roles within the Public, Private and Not-for-profit sectors over the past 30 years and is looking forward to the challenge of assisting reverse mortgage clients within Victoria to improve their retirement lifestyle.

Angela Giokaris

Reverse Mortgage Consultant

Reverse Mortgage consultant

Angela is a Sydney Based Mortgage Professional with over 10 years’ experience in Financial Services.

Angela took on a career change from commercial interior design to financial planning in 2011, with a focus on building long lasting client relationships.

During this time, Angela worked with all types of clients, especially those who were in retirement who strongly felt that leaving their family home would never an option for them.

For most, the common goal was to remain living close to family and friends whilst having the freedom to enjoy their hard-earned retirement with less financial stress.

Angela was challenged to find a suitable financial solution to help her clients. Once she understood the tangible benefits of Reverse Mortgages, Angela became passionate about providing in-depth knowledge on how Reverse Mortgages could improve their retirement lifestyle.

Angela is approachable and loves getting to know people while making the loan process as simple as possible for her clients, ensuring they have the best possible experience.

Outside of the office, Angela is busy with her husband and two teenage children and attempting to tick off her ever-growing list of restaurants to try.

Mia Cusack

Personal Assistant

Personal assistant

Mia joined the Seniors First Team in a personal assistant position to our CEO Darren Moffatt.

Mia has come from a 13+ year administration and event management background, having organized wedding & corporate events for clients such as the Premier and Cabinet, Commonwealth Bank, Westpac, Mitsubishi Electric, Ernst and Young to name a few.

Mia is here to ensure a smooth workflow for the Seniors First team & to guarantee all our client’s requirements are met.

Let's hear from you!

Interested in reverse mortgages or researching your best options for aged care finance or seniors home loans? We are here to help.