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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.

Cameron Bridge

Cameron Bridge

Loan Consultant

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.

Katrina Rose

Credit Analyst & Broker Associate

With over 20 years of experience in the financial industry, Katrina is a seasoned expert dedicated to simplifying the banking and lending journey for our customers. Her passion for education and her commitment to making financial processes transparent and accessible have made her an invaluable asset to our team.

Beyond her professional expertise, Katrina is deeply involved in the community. She serves on the committee of a local AFL team and manages their social media, bringing her organisational skills and enthusiasm to the forefront. As a self-proclaimed "Dance Mum," Katrina balances her professional and personal life with grace, energy, and a vibrant spirit.

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