Meet the Team

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Meet Victor, Founder of Blackk Mortgage Brokers

Victor Kalinowski

Mortgage Broker and Founder of Blackk

Bachelor Commerce (Finance), Certificate IV Financial Services (Finance/Mortgage Broking)

Did you play monopoly as a kid with your siblings and friends? Did you find that the same person was always the banker? And does that person work with money and numbers today?

Well, I was that kid. I’ve fortunately been able to combine my love of property AND finance in my career as a mortgage broker. I bought my first home at age 22 and I’ve since bought 12 properties. As a result, I have a lot of personal experience from being in the same situations I see my clients face every day.

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Property and money are two things I’ve really focused on since I was young. When I turned 13, my dad bought me a second-hand copy of the book More Money with Noel Whittaker, which is where my obsession with property (and monopoly) started.

I was totally engrossed by the stories and simple solutions toward money and investing. After that I was hooked and my library includes hundreds of books, newsletters, and blogs on finance, economics, investing and buying property.

After finishing high school in Alstonville, NSW, I moved to the big smoke, Brisbane, to study a Bachelor of Commerce at the University of Queensland. Towards the end of my studies, I bought my first property: a two-bedroom post war ‘fixer-upper’ in Mount Gravatt.

Like many people I bought it with family – my parents and younger brother Simon all owned a share. Together we renovated, painted, replaced the kitchen and landscaped to improve the little home’s rental return. I saved hard for my share of the deposit, working as a farm labourer – often starting at sunrise and working till sunset – six-days a week. I can still remember the satisfaction I felt seeing my savings grow: first by $200, then $500 and then $1000. Today I get a real buzz watching our clients who do the same. They start with a dream and then work hard to make it happen.

Over the years, I’ve continued my love of property, buying and selling homes around Brisbane. After enjoying a successful career in finance, it was a natural next step to get my mortgage brokering qualifications. It allowed me to start sharing my expertise on how to choose a home loan and what pitfalls to avoid. I started out just helping friends with their loans. This quickly turned into friends-of-friends and snowballed into helping thousands of clients from various backgrounds and walks of life.

Unfortunately, I’ve also seen the stress and financial hardship some people go through because of poor advice at the hands of others in the industry. I realised it was very rare for people to actually talk about or educate others regarding money – neither at school nor university. No-one explains how money works: how to save, why you should save, how loans work or how to use your money effectively to improve your financial future. This means that from a young age we just aren’t educated about money or investments.

This leaves us open to making poor financial decisions that can have a big impact on our lives – not because of deliberate choices that we make but as a result of not knowing our options.

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So I Now Have a Clear Mission. I give you a clear strategy to prepare financially first before we apply for any loans so you're in the best possible financial position to buy property. I want to see you progress towards paying off your home loans and watching your bank balances grow. I want to teach you how to successfully buy property and manage your loans with a mortgage and property education through all my free resources.

Amanda Clegg

Amanda Clegg

Marketing

Bachelor Commerce (Marketing and Economics), Graduate Diploma (Marketing)

Victor and I own Blackk Mortgage Brokers. My mission is to translate 'bank-speak' into clear, helpful guidance. Whether it's through our YouTube videos, newsletters, socials or website step-by-step guides, I’m here to ensure that when you’re ready to talk home loans, you have the right information at your fingertips to move forward with clarity and confidence.

Joined Blackk: January 2012

Fun fact: My dream job was to be a marine biologist working on the coral reefs or an archaeologist in Ancient Egypt. I still plan to immerse myself in both at some point!

Favourite quote: You cannot protect what you do not value.

Chrissi

Chrissi

Client Services – Team Leader

Cert IV in Finance and Mortgage Brokering, Diploma of Business Administration

I know how stressful it can be buying a home and applying for a loan, so my aim is to make your home loan experience as fast and stress-free as possible. I am here to answer all your questions through the approval process and keep you updated along the way.

Joined us: May 2020

Fun fact: I love travelling with my family – we’ve been to Fiji, Japan and New Zealand recently.

Favourite quote: At the end of the day all that matters is love and memories so make sure you give it and make sure you make them.

Razel

Razel

Home Loan Assistant – Team Leader

Bachelor of Science in Commerce, Major in Management Accounting

I am a credit expert which means I help Victor find the lenders that are the best fit your financial situation and property goals.  As a team leader, I also guide the team get your home loan application bank-ready for submission giving you the highest chance of home loan approval.

Joined us: ugust 2019

Fun fact: I was once chased by a cow!

Favourite quote: Try and try until you succeed!

Stevie

Stevie

Client Services

Cert IV in Finance and Mortgage Brokering

Working alongside Chrissi, we are your main points of contact and here to answer any questions you have during your home loan experience with us. I stay in constant communication with your lender and solicitor to tackle any hurdles before they become delays, keeping you fully updated and informed from start to finish.

Joined us:  November 2021

Fun fact: I make and sell my own range of candles

Favourite quote: Dead last, is greater than did not finish, which trumps did not start.

Lyn

Lyn

Home Loan Assistant

Bachelor of Science in Business Administration and Associate in Computer Science

I am the specialist getting your home loan application  100% bank ready. I focus on providing lenders with the exact information they need to make a fast, confident approval decision. This removes the hurdles that slow things down, giving you the highest chance of a fast and successful home loan approval.

Joined us:  March 2020

Fun fact: 12 year old me used to think that there is another earth and another me in different galaxy.

Favourite quote: It’s never too late to make your day great!

Ella

Ella

Client Services

Cert IV in Finance and Mortgage Brokering

Once you’ve completed your free initial strategy call with Victor, I become your dedicated point of contact, supporting you through your personalized Get Home Loan Ready plan. I also conduct annual interest rate reviews to keep your loan competitive—putting money back in your pocket where we can and saving you the hassle of negotiating with banks yourself.

Fun fact: I love cars - I am able to service them myself and trouble shoot basic repairs.

Joined us: November 2021

Favourite quote: Never be a ‘’wish I had’’ person, rather try and learn that it’s not for you, or better still try and discover that it is!

Aimee

Aimee

Home Loan Assistant

Bachelor in Engineering Technology Major in Electronics Engineering Technology

I work with Raz and Lyn, supporting them to get your home loan application bank ready. I work through your financial paperwork and with meticulous attention to detail, I prepare your home loan application.

Joined us: April 2024

Fun fact: I once ate two raw eggs when I was little.

Favourite quote: In the middle of difficulty lies opportunity.

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