About Us


Ruan landed on Aussie shores in 2005 and quickly forged a career within the finance industry, climbing into Australia’s Top 100 Brokers in the first two years of business.

During his career as a mortgage broker, Ruan built two successful mortgage broking businesses — one in regional, Gladstone, and the second in metropolitan, Brisbane. Both businesses attracted numerous accolades and awards along the way; developing businesses that are visionary and adaptable are his trademark.

Ruan is father to Kyan and Minka, and husband to Kylie. He loves to play golf and spend quality time with his family at their acreage or beachside property — and not always in that order he he he!

His all-time favourite movie is Armageddon — he goes to mush when Aerosmith starts singing, ‘I Don’t Want To Miss A Thing’ as Liv Tyler says goodbye to Ben Affleck (he’s a big softie inside!), but Shawshank Redemption comes a close second —the intelligence inspires him. Favourite song is ‘Always Remember Me This Way’ from A Star Is Born Soundtrack.

Country Me.

Regional Mortgage Broking Business.

Home Loans Etc, Gladstone


August 01, 2007


December 20, 2012



Support Staff.

Two full-time staff and three part-time support staff

Loan Book.

$500 million dollars of loans under management


AFG Champion for QLD, Northern NSW, and NT
2009, 2010, 2012

AFG Number One Loan Writer for QLD, Northern NSW, and NT
2009, 2010, 2011, 2012

AFG Residential Loan Writer for QLD, Northern NSW, and NT

AFG Chairman’s Club – Invite Only
2009, 2010, 2011, 2012

MFAA Mortgage Broker of the Year

MFAA Award of Distinction

MPA Top 100 Hall of Fame, ranked 7th



Was to exceed expectations for my clients – constantly doing the best I could for them.
As time went on, that drive became business as usual and part of the everyday working process.

City Me.

Regional Mortgage Broking Business.

Time Home Loans, Brisbane


March 01, 2013


March 01, 2021


Four full-time brokers; three self-employed brokers.

Support Staff.

Operations manager; executive assistant.

Four broker partners; three back-office managers.

Outsource back-office staff.

Loan Book.

$1 billion dollars of loans under management


Mentor of the Year – Better Business Awards 2023, Queensland

The Adviser Top 25 Brokerage
2020, 2021

AFG Champion Brokerage for QLD, Northern NSW and NT
2015, 2020

AFG Number One Loan Writer for QLD, Northern NSW and NT (Allianz)
2016, 2017, 2018

AFG Hall of Fame Member

AFG Best New Business
2013, 2014

MFAA Mortgage Broker of the Year
2013, 2018

MFAA Customer Service of the Year

Better Business, Best New Business & Customer Service
2014-2015 & 2018

AMA Customer Service & Independent Office
2015, 2019

ABA Best Independent Office & Best Customer Service

MPA Top 100 Hall of Fame, ranked 22nd.



Experience showed me that success comes down to what you are willing to put in, and relationships.
It is long hours, hard work, consistency in everything I do.  It is connecting with people – making their life easier.


Australian born, Kylie, met Ruan during her three and a half year teaching stint in ye old London town, and has never looked back. He ticked every box — tall, dark and handsome…and not to mention extremely loyal, driven, giving, and loving. Marrying in South Africa, they returned to Kylie’s hometown of Gladstone to start building their life together.

Kylie is the yin to Ruan’s yang, the white to his black, the tequila to his olive. During the early days of their first business, Kylie would act as secretary after her teaching day had ended, and as their business grew so did her role as Culture Manager, and Fire-Put-Er-Out-Er-A.

Giving birth to Kyan and Minka fulfilled her dream of becoming a mum and to date is her greatest role. Family is her everything. Being happy is her everything. If she is not at home with her family she will be brunching with friends in the a.m. or drinking cocktails and chasing a cheeky tequila shot in the p.m.

This sneaker-loving, lover of fashion and words, enjoys reading books penned by Cecilia Ahern, JoJo Moyes, and Josephine Moon (just to name a few), and is obsessed with Schitt’s Creek. One of her favourite songs is also from the A Star is Born soundtrack, ‘Shallow’.


Denise Roach

Success and Broker Engagement Visionary.

Denise brings a wealth of knowledge to the table, having worked in management and lending within CBA for over 20 years. During that time Denise has won three national awards (Sales Support, Business Administration, Teamwork) and several state awards.

For Success and Broker, Denise assists new and existing clients with process mapping, process wastage, SOPs (standard operating procedures), training and development.

Denise loves to travel, drink Rosè, walk her dogs and go to the gym. She is also a step mum to 8 kids and step Nan to 5 grandchildren.


Natalie Howells

Natalie Howells is dedicated to the professional development of brokers, offering unparalleled insights into the essentials of brokering, client satisfaction, and approval processes. She excels in creating a supportive environment where brokers can build confidence, enhance their expertise, and optimise their operations. Through her guidance, brokers learn to navigate the complexities of the industry, improve their client engagement strategies, and streamline their business processes for greater efficiency and success.

Her commitment to accountability, discipline, and respect makes her an invaluable mentor at Success & Broker, inspiring brokers to reach their full potential and achieve enduring success in their careers.

  • Mentorship Division.
  • Proventus Program.
  • Pathway Program.

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