
Annie brings over 30 years of lending experience to the Crystal Clear Finance team. From complex lending structures and commercial transactions to supporting self-employed clients, she thrives on finding smart solutions tailored to each situation.
She also loves helping first home buyers step confidently into the property market.
Known for her calm and supportive approach, Annie believes lending should feel simple when it’s explained the right way.
With Annie, you gain an experienced advocate who is committed to achieving the right outcome and supporting you well beyond settlement.

Timo brings over 15 years of finance industry experience across Germany and Australia. He loves helping first home buyers get started, guiding clients to save money through refinancing, and supporting a wide range of lending needs.
With a genuine passion for education and strategy, Timo takes the time to simplify the process, build confidence, and create tailored solutions that set his clients up for long-term financial success
If you’re looking for a broker who backs your application 100% and stands firmly in your corner from start to settlement and beyond, Timo is the loyal partner you want on your lending journey.

Jacob brings fresh energy, a strong work ethic and a team-first mindset to every client relationship. While newer to the industry, he is an eager learner who is developing his knowledge to ensure his clients receive the right guidance and support.
He has a strong interest in investment strategies and executing smart property moves for himself and his clients, while priding himself on clear communication and making the journey feel straightforward and stress-free.
Clients appreciate his approachable nature and his genuine drive to help them build long-term financial confidence.
Crystal Clear Finance Solutions ABN 81 676 129 016
Credit Representative 559362 is authorised under Australian Credit Licence 389328
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Copyright © 2024 Crystal Clear Finance Solutions - All Rights Reserved.
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