Meet the team

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Raj Ladher

Home Loan Specialist / Your Mortgage Broker

Raj has a 14 years of experience in financial services, starting his career in the UK in 2006. With a  Master’s degree in Financial Management, Raj has helped hundreds of Australians get onto the property ladder and restructure their finance.


Raj keeps up to date with changes in regulation along with specific lender policy which in turn allows for our clients get the most suitable lending structure and product for their needs.


Raj can help you to make decisions on debt consolidation, owner-occupied and investor debt, as well as how to separate your properties to protect your assets. He can also help you to decide on which mortgage type will suit you best.

Emma Duffy

Assistant Editor / Your Investment Property & Your Mortgage

Emma Duffy is Assistant Editor at Your Mortgage and Your Investment Property magazine, which are part of the Savings Media Group.


In this role, she manages a team of journalists and expert contributors committed to keeping readers informed about the latest home loan and finance news and trends, as well as providing in-depth property guides.

She is also a finance journalist at which she joined shortly after its launch in early 2019.

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Andrea Fuentes

Home Loan Associate / Your Mortgage Broker

With a degree in accounting, Andrea worked as a senior finance assistant and mortgage processing officer before joining Your Mortgage Broker this year.


Andrea is passionate about processing home loan documentation and providing a great customer experience. Once you've chosen your home loan, Andrea and the team will submit, organize and coordinate it all the way to settlement.

Justin Kennedy

Managing Director / Your Mortgage Broker

Justin is the Managing Director of Your Mortgage Broker and has a long history in the property and mortgage industry as publisher of Your Investment Property, Your Mortgage, Australian Broker and Mortgage Professional Australia, as well as a range of other business titles and events across the Asia Pacific region.


With 20 years of experience in media, publishing, financial services, events, business transformation and the mortgage industry, his vision is to make Your Mortgage Broker Australia’s leading next-generation mortgage broking service.

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ACN 639 285 359 l Australian Credit License: 387856