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Cheryl Maclean

Reverse Mortgage Broker, Sydney

Rated 4.9 stars

Cheryl Maclean

Reverse Mortgage Broker

"Every retirement journey is unique, which means no two reverse mortgages should look the same. I take pride in customising each loan to truly serve my clients' individual needs.

For me, education comes first—I want you to feel fully informed and comfortable with every choice you make. My priority is ensuring you have the clear, honest information needed to make a confident decision. I'm here to handle the heavy lifting, making the entire process smooth and stress-free so you can secure your financial peace of mind for today, tomorrow, and years to come."

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About Cheryl Maclean

Cheryl is has over 20 years of finance experience—including major institutions and running her own successful brokerage—Cheryl brings a wealth of lending expertise to her clients.

She is now a Reverse Mortgage Broker in Sydney with Seniors First, but her deep background spans residential lending, personal loans, and asset finance. This gives her a sharp understanding of wealth at every stage of life.

Today, Cheryl specializes in reverse mortgages because she genuinely cares about helping people secure their retirement.

She knows that no two reverse mortgages are the same, which is why she rejects one-size-fits-all options.
Instead, she works closely with you to tailor a loan that perfectly protects your lifestyle and long-term goals. For Cheryl, education is everything. She simplifies the complex, ensuring you have the clear information needed to make an informed, confident choice. From your initial chat through to settlement and beyond, she manages every detail to ensure the entire experience is smooth, transparent, and completely stress-free.

Fully qualified with a Diploma in Finance & Mortgage Broking, Cheryl is a proud member of the FBAA and AFCA. With her, you gain a dedicated professional committed to helping you make the right decisions today—so you can enjoy a secure, comfortable tomorrow.

Cheryl's Broker Performance Metrics

Reverse Loans by State

85%

10%

Loan Approval Rate 0 % Customers served!

Industry-leading approval success rate

Avg Borrower Age 0 Customers served!

Years (typical retirement age group)

Avg Home Value $ 0 k Customers served!

Average property valuation of clients

Meet Cheryl Maclean

Watch this personal introduction to learn more about her approach.

Experience & Achievements

Loan Approval Rate 0 Joined Seniors First

Started career as Reverse Mortgage Broker

Loan Approval Rate 0 + Years in Business

Established business owner and loan writer

Loan Approval Rate 0 + Clients Helped

Successfully assisted over 500 families

Loan Approval Rate 0 % Client Satisfaction

Committed to exceptional service

Areas of Specialization

Expert guidance for Over 55's home equity release and later-life finance

Debt Consolidation Solutions

Mortgage refinances

Loan structuring

Living Expenses Support

Rate negotiation

Downsizing alternatives

Qualifications & Accreditations

Diploma Finance and Mortgage Broking

Member of FBAA (Finance Brokers Association of Australasia)

AFCA Registered (Australian Financial Complaints Authority)

Professionally Licensed Under ACL 388952

Completion of Seniors First 56-hour induction program

'Seniors Equity Release & Reverse Mortgage' AAMC Course

Success Stories

Real examples of how Seniors First are changing lives for the better.

Home Renovation Dream Realized

$120,000

Margaret & John, 68 & 70
Bondi, NSW

Situation:

Wanted to renovate their family home of 40 years to age in place but were on a fixed pension.

Solution:

Secured $120,000 through a Reverse Mortgage to fund bathroom accessibility upgrades and kitchen renovation.

Outcome:

The couple now enjoys a modern, accessible home and can remain close to their children and grandchildren.

Debt-Free
Retirement

$85,000

Patricia, 72
Parramatta, NSW

Situation:

Struggling with credit card debt and personal loans totaling $85,000, causing significant stress.

Solution:

Consolidated all debts into a single Reverse Mortgage with lower effective interest.

Outcome:

Patricia is now debt-free and enjoys peace of mind with no monthly repayments required.

Home Renovation Dream Realized

$120,000

David & Susan, 65 & 63
North Sydney, NSW

Situation:

Always dreamed of a 3-month European trip but could not access their superannuation yet.

Solution:

Released $45,000 in home equity to fund their dream holiday.

Outcome:

The couple enjoyed the trip of a lifetime, creating memories with family in Europe.

What the clients say

Rated 4.9 stars on Google

Robert K.

3 months ago

Seema was extremely helpful and explain the process with us every step of the way.
Anyone thinking of a Reverse Mortgage to use Seema from Seniors First would find it advantageous to do.

Paul V.

3 months ago

Thank you Seema

Bruce C.

3 months ago

Hi Angela

Thank you for all the help that you provided in this matter.

Your service was exemplary. You guided us in what could be a complicated and stressful process at our stage of life. Your assistance relieved us of those pressures.

We would recommend your service to anybody.

Thank you

Bruce & Judith

Colin B.

3 months ago

totally friendly and helpful through the whole process, thank you Angela

Karen J.

3 months ago

What initially felt like a daunting process, was made seamless and easy. My broker Palka ensured that I was well informed at every step of the application process and was always readily available to respond to my questions. I feel excited to be able to move forward with my plans now.

Lesley W.

5 months ago

We were very happy with the speedy and professional service from Seniors First. They helped us navigate all the options available and sorted out the paper work, making it a simple operation to find and apply for the most suitable reverse mortgage for our needs. Highly recommend!

David B.

5 months ago

I was very happy with Seniors First to organize my affairs. Seema was a nice person to deal with and great at getting my application approved, she persisted with my lack of Technology and sending documents. Her experience and knowledge will guarantee success.

barry T.

5 months ago

Understanding, deciding, facilitating and processing an application for a reverse mortgage is not a simple process, however having a Broker who works closely with you step by step is an absolute must have. We choose Seniors First based on peer and industry reviews coupled with the explanatory telecasts they provided explaining what was involved. Having decided to explore further we linked up with our Broker, Angela Giokaris via a lengthy phone discussion. Throughout the following weeks as the application process progressed we were confident that we were in good hands. Angela remained in contact every step of the way, openly ensuring we understood the pros and cons of a reverse mortgage and facilitated every step of the journey. Importantly, there were a couple of conditions from Heartland, our chosen bank, that we had issues with. Angela negotiated with Heartland on our behalf and secured the conditions we were chasing. We found Angela to be highly professional, very knowledgeable of the reverse mortgage product and banking generally. Importantly also, friendly, patient, considerate of our needs, thorough in detail and overall an absolute pleasure to work with. We are very happy with the end result and being able to convert our asset value to a cash value and opening the door to the rest of our lives. We would wholeheartedly recommend Seniors First, and in particular Angela to anyone who is considering going down this track. Barry.

Bobby Y.

5 months ago

I found the consultant from Senior first Richard Chapman, was extremely helpful and also very knowledgeable regarding reverse mortgages. He was always available to assist with any of out questions and or concerns. We found this process very smooth and seamless. My wife and I had many questions during this process, which were always handled with patience and understanding. I would recommend Senior First for anyone thinking about a reverse mortgage they make it easy.
Thanks guys.
Bobby Yarbrough

Ray and Carolyn D.

8 months ago

We were/are clients of Palka Kumar. We were impressed with her friendly nature and boundless knowledge of the industry. We had a number of Tele-conferences with her as she guided us through the process and let us know from the outset that she was with us the whole way through to conclusion. Palka was always available to answer any questions and kept us informed as the process went through the various stages. We have nothing but praise and appreciation for Palkas commitment to her clients. She always made us feel assured and relaxed about a sometimes daunting process. Outstanding.

Ready to Discuss Your Retirement Goals?

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Industry Awards & Recognition

Senior's First has developed a reputation as an award-winning Reverse Mortgage broker, and a trusted name among public policy organisations, the aged care industry, senior’s groups, older borrowers and their families.