Mortgage Team

Ken Sayer

Founder and Chief Executive Officer (CEO)

Ken brings 30 years of financial experience to Mortgage House. From currency trading to commercial leasing, Ken has extensive knowledge of loan and mortgage products and the financial industry overall.

In 1997, Ken identified a clear need in the Australian mortgage industry for an alternative lending option to the big banks and Mortgage House was born. Today, Mortgage House has become a genuine banking alternative and a major provider of home loans to the Australian public.

With his team, Ken grew Mortgage House 300 per cent between 1998 and 2004 – a remarkable achievement given this was during the Global Financial Crisis (GFC).

This business management and exceptional growth can be attributed to Ken’s key operational mandates.

These include the development of the mortgage industry’s most advanced technology in loan processing; carefully managing costs; securing, training & coaching the very best staff and, most importantly, always ensuring the highest level of customer service.

Mortgage Team

Sarah Roberts

Managing Director

Sarah has 17 years’ experience in senior management across multiple industries from Government to the private sector in Australia, South East Asia and the USA. Sarah’s key strengths lie in her successful ability and track record in building and transforming organisations.

Sarah joined Mortgage House in March 2011 and as the Managing Director, is accountable for the overall performance of the company and ensuring it achieves its strategic objectives.

Sarah’s leadership is also driven by key operational mandates. She is an advocate of Mortgage House’s technological leadership and when combined with her skilled personnel – the customer outcomes are always beneficial.

Sarah also actively encourages open and transparent communication within the organisation and, of course, with the customer. The end result is always mutually beneficial.

Mortgage Team

Emyr Jones

Chief Financial Officer

Emyr is a Fellow of the Institute of Chartered Accountants in England & Wales and holds degrees in accounting and economics.

Emyr brings 25 years of senior management experience to Mortgage House from start-up companies to those listed on the London Stock Exchange and National Stock Exchange of Australia.

As the Chief Financial Officer, Emyr has responsibility for the financial health of Mortgage House including overall financial management and statutory reporting. He also has responsibility for the supervision and management of the accounting team.

As with all Mortgage House senior management, Emyr believes its operations – including financial practices – are truly differentiated from other loan and mortgage providers.

Mortgage Team

Sean Bombell

General Manager

Sean has more than 20 years’ experience in the mortgage industry.

He joined the Mortgage House team 16 years ago with the goal to start up and grow the businesses wholesale funding program and further extend Mortgage House’s offering to customers.

Sean’s primary responsibilities include the administration and regulatory oversight of the entire Mortgage House Group. This includes all credit, client services and credit control / default management.

Prior to joining Mortgage House in 2001, Sean spent 10 years in mortgage origination and management. This included the Seaside Management Group which was created to leverage the losses that occurred out of the Government sponsored home loan program – ‘Home Fund.’

This role gave Sean the experience and knowledge to identify and maximise like opportunities for the Mortgage House operation.

Mortgage Team

Colin Whybourne

Director, Funding and Risk Management

Colin joined Mortgage House in 2003 after 10 years in the residential mortgage industry.

During this time he created, launch and managed the RESIMAC residential mortgage program.

Within Mortgage House he is responsible for the management, reporting and compliance of company’s special purpose mortgage funding process – the Paladin Mortgage Trust – where he is the nominated party on the Trusts AFSL.

In his role he also ensures Mortgage House’s systems, procedures and products comply with all required standards and regulations including NCCP, AML & the Privacy Act. In addition, budgeting and reconciliation with external funders.

Mortgage Team

Kerry Morris

Human Resources Manager

Kerry joined Mortgage House in May 2015 to create and manage the Human Resources department within the business. She has 16 years’ experience in the recruitment industry in Australia, including over 11 years with Chandler Macleod Group in various roles including Branch Manager, National Training Manager and Talent Development Manager.

At Mortgage House Kerry is responsible for meeting the recruitment targets of a fast growing business, arranging industry mandated and other training for current and new employees and ensuring that employment policies and practices of the business meet or exceed statutory and industry requirements.

Kerry was an Accredited Professional Member of the Recruitment & Consulting Services Association (APRCSA) and a member of their Continuing Professional Education Committee between 2006 and 2013. She holds a Certificate in Business Administration from St. James College, London and has attended many Australian Institute of Management and Chandler Macleod training courses.

Mortgage Team

Kris Andrakovic

Operations Manager

Kris has 30 years’ experience in financial services. Much of this in the mortgage industry spanning both banking (St. George Bank) and the non-bank sectors. He spent five years with an Australian Lenders Mortgage Insurance provider and has considerable experience in credit assessment and risk management.

Kris joined Mortgage House in 2016 and is responsible for the daily monitoring of individual and team KPI’s and SLA’s across lending, credit, settlements, business support and customer services. Additional responsibilities include lead management, quality assurance, internal dispute resolution and customer escalations.

Kris holds a Bachelor of Arts from ANU; a Master of Business Administration from Charles Sturt and a Cert IV in Finance and Mortgage Broking.