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Luke Whitbread

Meet your Home Loan Team

As with most businesses, the team makes the customer experience.  The team at Mortgage Choice in Erina have been in the industry for many years and it is that experience that will make the process run smoother for our clients.  Don't embark on a transaction without our help, we do it every day and we can make it easy for you.  Why would you try to go it alone?


Katie Dowton

Katie Dowton

Partner & Mortgage Broker

Katie's journey began in a small opal mining town in far-western NSW before embracing the coastal change to complete her HSC.

Driven by a desire for new challenges, Katie ventured into the broking industry, joining Mortgage Choice in 2017. Her innate ability to navigate the intricacies of mortgage finance and her unwavering commitment to client satisfaction quickly set her apart.

In 2019, Katie took a significant step forward in her career, becoming a franchisee partner. This role allowed her to leverage her expertise and leadership skills, driving both personal and professional growth.

Katie's dedication was acknowledged at the Australian Mortgage Awards in 2020, where she was recognised as the best young broker under 35. 

When she's not immersed in the world of finance, you can find Katie indulging in her hobbies. Whether she's nurturing her garden, exploring the pages of a captivating book, or engaging in creative pursuits, she looks for joy in every moment. Plus, her Golden Retriever Sol is always by her side, bringing an extra dose of happiness to her life!

With her wealth of experience, optimism, and genuine care for those around her, Katie leads our team with grace and determination.

Luke Whitbread

Luke Whitbread

Partner & Mortgage Broker

Born and raised in the picturesque Norah Head on the Central Coast, Luke has always had a strong connection to the local community.

Luke realised he had a passion for numbers and problem-solving during his time at MacKillop Catholic College, where he graduated in 2009. However, his love for golf and natural talent in sports drew him in a different direction after completing his studies. Luke embarked on a remarkable journey in the golf industry, starting his career at Wyong Golf Club. There, he completed a PGA of Australia Traineeship and made a name for himself, receiving the prestigious NSW/ACT PGA Rookie Player of the Year award in 2014.

In 2017, Luke decided to transition into the finance industry, bringing his analytical skills and dedication to a new field. He joined the Mortgage Choice Erina team, eager to make a positive impact on people's lives through mortgage brokering. Luke's commitment to providing exceptional service and his innate ability to understand clients' needs quickly became apparent.

Recognising his talent and dedication, Luke became a franchisee partner in 2019, and in 2021, his remarkable achievements were celebrated when he was awarded the best young broker under 35 at the Australian Mortgage Awards, a testament to his unwavering commitment to excellence.

Outside of his professional pursuits, Luke still finds time to indulge in his passion for golf on weekends. He also enjoys surfing and is an avid supporter of the AFL. However, his greatest joy comes from spending quality time with his wife Kelsi and their not-so-small puppy, Ruby.

With Luke's extensive knowledge, exceptional customer service, and genuine care for his clients, you can trust that your mortgage journey will be in capable hands.

Brent Dufty

Brent Dufty

Mortgage Broker

Brent is a seasoned finance professional with an impressive 17 years of experience in the industry. Over the years Brent has transitioned into the world of mortgages and serves as a trustworthy mortgage broker. With his extensive knowledge and expertise, he helps people navigate the complexities of home financing, ensuring they make informed decisions.

Beyond finance, Brent is a passionate sports enthusiast, particularly drawn to the enthralling game of cricket. Whether he's cheering for his favourite team or indulging in a game, Brent's passion for the sport is unmatched. As a devoted fan, he stays up to date with all the latest happenings on and off the field.

But what truly defines Brent is his love for family. Nothing brings him more joy than spending quality time with his loved ones, creating cherished memories that will last a lifetime. Despite his busy professional life, Brent understands the importance of balancing career accomplishments with strong family bonds.

Natalie Dimmock

Natalie Dimmock

Office Manager

Meet Natalie, a talented finance professional with an impressive nine years of experience in the industry.

Known for her expertise in finance and her desire to make a positive impact she is a great fit for the team.

Outside of her busy professional life when she’s not crunching numbers or analyzing financial data, Nat cherishes quality time spent with her beloved family. She finds immense joy in creating precious memories with her adorable daughter, Iylah. Being a mother has taught Nat valuable lessons about love, resilience, and the importance of nurturing relationships.

Natalie's upbringing on the serene Central Coast has instilled in her a strong appreciation for nature's beauty. She finds solace in the soothing waves and tranquil surroundings, often seeking moments of relaxation and reflection along the coast.

With her experience, dedication, and a strong focus on personal growth, she strives to continue achieving success in her career while cherishing the precious moments with family.

Cameron Bridge

Cameron Bridge

Broker Associate

Cam is a highly motivated and results-driven professional with extensive experience in the finance industry, specializing in mortgage broking. With a keen eye for detail and a thorough understanding of the market, Cam consistently delivers outstanding results for our clients.

As a lifelong enthusiast of football, Cam finds joy in both watching and playing the sport. This passion for football not only demonstrates his dedication to teamwork and collaboration but also showcases his ability to handle high-pressure situations with composure and strategic thinking.

Kyle Acton

Kyle Acton

Settlement Officer

Kyle our settlements officer has an undying passion for the world of finance. Kyle, whose father happens to be a well-established broker, has grown up with a deep understanding of the intricacies of the financial market. His exposure to the industry has undoubtedly shaped his expertise and remarkable skills as a settlements officer.

Aside from his professional life, Kyle is an avid car enthusiast. His love for automobiles extends beyond the superficial; he appreciates the engineering, design, and performance aspects of various car models. Whether it's classic beauties or cutting-edge supercars, Kyle's knowledge and sheer enthusiasm for cars make him an engaging conversationalist in this realm.

Zac Stolz

Zac Stolz

Zac is the newest addition to the team as a brokers assistant, bringing with him a wealth of experience from his professional golf career which took him to various destinations around the world. His love for jiu jitsu adds a unique blend of physical and mental agility to his skill set, making him an invaluable asset to the team. With a strong work ethic and a passion for excellence, Zac is dedicated to delivering top-notch service to his clients and helping them achieve their home ownership goals. In his spare time, you can find Zac on the golf course or on the mat honing his skills in jiu jitsu.

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