About Fresh Air Finance

Meet the broker
behind the app.

Melbourne-based, serving clients Australia-wide. No call centre, no queue, no being passed around. You talk to your broker, and your broker talks to the lenders.

Ex-KPMG financial services audit Monash Law and Commerce Active property investor 50+ lenders on panel

Get the app, it’s free Book a 15-minute chat

Rob StaffFounder & broker

99.4%Lodged applications approved

$80m+Home loans settled

50+Lenders on panel

5.0Google rating, 50 reviews

Approval rate refers to applications lodged by Fresh Air Finance where a lender decision was received, based on internal records current at 30-06-2026. Settled volume is rounded from internal loan records current at 30-06-2026.

The story

Five years auditing the banks.

I spent five years at KPMG in financial services audit, working up to assistant manager, auditing the banks themselves. You learn quickly how lending decisions actually get made, which means you learn where they get stuck.

I wanted to be accountable to the person in front of me, rather than to a ladder. So I built somewhere that works that way.

The skills did not change, only who they are pointed at. Instead of checking the banks' numbers for the banks, I put the same rigour to work for the person on the other side of the table: your borrowing power, your structure, your outcome.

The legal obligation sits with me too. As a broker I am bound by Best Interests Duty, which means I am required by law to act in yours. A bank's staff can only recommend that bank's products. I have more than fifty lenders to choose between, and I get paid on whether you were happy enough to tell someone about it.

The reason

Penny and Hudson.

Everything here is for them. Amy runs the admin side, we are growing the broking team carefully, and every file still gets done the way I would do it myself.

We have been through it ourselves, too. Same paperwork, same nerves, same scramble to get a document to someone before four o'clock. It is not a process I have only read about.

Rob Staff at his desk with his daughter Penny — The office, most days.

Why the app exists

Built by a broker who knows where loans get stuck.

Most people meet a broker when they are ready to buy. The trouble is that everything that decides the outcome, the deposit, the structure, the borrowing capacity, was settled long before that.

So the app is free, and it is yours for as long as you need it. Move the deposit, the price, the rate and the timing. Ask it questions. See what a lender will actually want from you, and get it ready in your own time. When you are ready to talk, book a call from inside it.

Some people use it for a fortnight. Some have had it for two years and have not bought yet. Both are fine. That is rather the point.

Free, no application Nothing sent until you send it Book a call from inside the app

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Recognition

Recognised for the way we work.

WinnerPurple Circle ExcellenceTraining and Education, 2025

State finalistMFAA Excellence AwardsYoung Professional, 2026

FinalistFBAA Smartest BrokerHome Loans Victoria, 2026

What clients say

5.0 ★★★★★

on Google, across 50 reviews.

Every one of them is real, and every one of them is five stars. Hover the deck, or just watch it deal.

Click a card for the next one.

Read them all on Google →

“Highly recommend Robert Staff. He is very efficient, reliable, and made the whole process smooth and stress free. The best mortgage broker we have ever worked with.”

★★★★★Eve · Google review

“As a first home buyer who knew very little about the ins and outs of purchasing a house, Rob was incredibly patient and took the time to explain everything in detail, which gave me confidence throughout the entire process.”

★★★★★Brooke Dingle · Google review

“Our journey was very hard but with Robert’s patience and hard work, he managed to secure us an unconditional approval. He will not give up on you. 2 brokers said no but he got us the loan.”

★★★★★Abdou Joel Davies · Google review

“Rob immediately stepped in with creative solutions. You can tell that Rob doesn’t just want to close a deal, he genuinely wants to help you reach your goals. Thanks to Rob, we’re now proud owners of Property No. 2.”

★★★★★Rea Ethel Gatbonton · Google review

“As a single parent with two dependents, every other broker I spoke with told me the same thing: that I would not be in a position to make the move I needed to. Rob was the reason I was able to settle on my property, and the result has truly changed our lives.”

★★★★★Lisa Sam · Google review

“Rob is super helpful and easy to understand. Broke everything down in plain language and made the whole mortgage process feel stress free. Even when I wasn’t ready to go ahead, he still took the time to help.”

★★★★★Michael Kelly · Google review

“Robert from Fresh Air Finance is just awesome. Me and my wife are just grateful to this man and his team for dealing with our refinancing with such ease with deals we did not imagine possible.”

★★★★★Herson Ramirez · Google review

The panel