Crunch Finance & our team

Servicing clients locally to Byron Bay, Ballina, Bangalow, Lennox Head, and Australia wide. Our mission is simple. We find our clients the best home loan rates, business loans, and personal loans on the market.

The Crunch way

We won’t spend our time telling you about the best rates and all the savings we could make you, we’ll show you. because no one should be paying over the odds.

We understand that spending hours, if not days and weeks, comparing finance options isn’t everyone’s cup of tea. And let’s be honest, because it’s a highly regulated industry, there’s a whole lot of information to wade through. As a team of unashamedly passionate mortgage brokers and finance brokers, it’s our job to cut through the jargon. We love nothing more than connecting our clients to the best products on the market – and doing so in a way that means minimum hassle but maximum benefit every time.

Based in beautiful Bangalow, we service clients all over Australia. With Byron and the northern NSW coastline on our doorstep, we’re reminded every day of the importance of a balanced lifestyle – work, life and everything in between.  

We’re here to help our clients achieve their work and lifestyle goals through smart and tailored financial solutions.

  • We find the best rates in the Market
  • You don’t pay us the bank does
  • Our payment does not effect your rates
  • We offer a personalised one on one service
  • We can manage all your finances

Martie Irwin

Martie founded Crunch Finance on a desire to improve the customer experience for Australians wanting to take out any type of home loan. An industry known for being rich in red tape, Martie saw an opportunity to become the best mortgage broker in the market!

As well as helping customers navigate their way to the best products and the best finance rates without the usual stress. With the right business model, he believed they might even enjoy the process!

Bringing a strong finance and banking history from working with banks like Westpac and BOQ, Martie wanted to apply his extensive experience to his own business…and so Crunch Finance was born. Martie oversees the day-to-day running of Crunch, mentoring the growing team and reviewing processes to ensure they remain as clear and simple as possible.

Outside of the office, Martie can be found embracing the outdoors with his boys; from riding tractors and mountain bikes to putting out fires, as a part time Fire Fighter for the local Bangalow community.

Favourite Byron spot? Bangalow – for everything it has to offer young families.


Finance Broker
Nominated for Rate My Agent - Broker of the Year 2024
Becoming a Mortgage Broker in Byron Bay was a change of gear for Tyson who joined Crunch from the motor industry. He brought with him first class customer service & a solutions mindset, making him a great fit for helping Crunch’s clients to achieve their financial goals.

More than just your average Mortgage Broker; Tyson has 5 years of valuable experience in the finance industry. Specializing as a self-employed financial expert, he prides himself on delivering personalized financial solutions tailored specifically to the needs of self-employed clients.

Approaching each client brief with precision, Tyson invests time in understanding and listening to their unique requirements. His dedication to providing a tailored approach sets him apart in the competitive loan market. This commitment ensures that every client, especially those navigating the complexities of self-employment, receives a bespoke financial strategy crafted for their success.

For Tyson, life is not just about the work; he recognises the importance of striking a balance between professional excellence and moments of relaxation and enjoyment. This harmonious approach showcases Tyson’s ability to thrive both in the financial world and in the simple pleasures that Byron Bay offers. It’s a testament to his multifaceted nature—effortlessly navigating the complexities of finance and embracing the laid-back joys of coastal living.


Mortgage Broker
Meet Brett Brimson, Broker extraordinaire & our newest additional to the Crunch Finance Family. With over 7 years in the finance industry, Brett's journey includes a stint as a Mobile Home Lending Specialist at Commonwealth Bank and a role in the construction industry as a New Home Consultant.

His heart lies in the housing industry, evident in his personal involvement in constructing homes in the Northern Rivers and assisting families with GJ Gardner Homes.

Brett’s forte lies in diverse lending, covering residential mortgages, commercial lending, business loans, and asset finance lending. His knack for finding the right solution, coupled with a commitment to go the extra mile, sets him apart.

Joining Crunch Finance was a natural progression for Brett, aligning with his passion for the local community and his belief in a company that works for its customers. He thrives on the satisfaction of cracking tricky scenarios and values the vibrant, community-centric ethos of Crunch Finance.

Don’t be fooled by misconceptions—Brett ensures swift communication, debunking the myth that brokers take ages to respond. In his world, some lenders can approve applications on the same day!

Beyond crunching numbers, Brett finds joy in family beach outings, property projects in Ewingsdale, and the simple pleasures of coffee or a beer with friends. As for his favorite spot in Byron, it’s the North Byron Hotel—where kids play, and parents savor a quiet beer, encapsulating the essence of community and relaxation.


Senior Specialist
Matt joined Crunch Finance as our Senior Finance Specialist with over 15 years of experience working in the Finance and Banking Industry. Matt specialises in agricultural, commercial and business lending, along with investment loan purchases and refinances. Matt brings a great deal of knowledge, experience and skills to the Crunch Finance team.

Helping ease the process of hard applications, Matt offers valuable guidance to self-employed clients and business owners running their enterprises. Matt loves to visit his clients allowing him to get a greater insight into how their businesses run and operate – having been a small business owner himself he can relate to the challenges involved. Outside of the office, Matt can be found working outdoors, riding motor bikes and mustering cattle with his trusty collies dogs. Favorite Byron spot? The misty valley at dawn in Myocum – which is where I call home.


Broker Assistant
With an extensive background in Real Estate Administration and Legal Administration, Renaee joined the Crunch Finance team for a new challenge, looking to improve her skill set in the finance industry. Renaee ensures all loan applications & settlements run smoothly, collecting all and any relevant information needed for each application, as well as liaising with our clients on a regular basis to ensure they are kept upto date with the progress and current stage of their loans.

Renaee especially enjoys helping first home buyers and loves to see the reward and fulfillment of happy and satisfied clients. Guiding them through the processes involved and answering any queries or concerns they may have along the way. Outside of the office, you will Renaee hanging out with her family and dog, enjoying the races or at a local beach. Favourite Byron spot? We are spoiled for choice, but I would have to say the local beaches such as The Pass, and of course Bangalow itself for the wonderful community and beautiful buildings.


Assistant Broker
Born and raised in Louisiana, our Assistant Finance & Mortgage Broker, Randall, brings the spice and jazz to the Crunch office! Moving to Australia in 2018, Randall brought with him a detail-oriented, customer-focused mindset, loved by clients and colleagues alike.

Moving to Australia in 2018, Randall brought with him a detail-oriented, customer-focused mindset, loved by clients and colleagues alike. A large part of Randall’s job satisfaction comes from seeing clients achieve their goals…knowing he was able to help play a role in that.

When not getting active at Crunch, Randall might be out enjoying a run or a bike ride. He also enjoys reading, computer and board games and is known for rustling up a crowd-pleasing chocolate pie.

Favourite Byron spot? The Bluff (which runs south from Lennox Head lookout towards Boulder Beach). Best enjoyed on a sunny afternoon for its great views and peaceful surrounds.


Loan Processor
As a Crunch Loan Processor, Rogene is committed to getting loans approved quickly and efficiently for his clients. From the offset, Rogene prides himself on clear communications and attention to detail to ensure a smooth process from start to finish.

With more than five years in the Australian mortgage industry, Rogene is well versed on different lender requirements and how and when to best fulfil them. Outside of Crunch, Rogene loves nature and exploring the great outdoors…and also enjoys a little singing for good measure. Perhaps sometimes even the two together.


Loan Processor
With an extensive background working with banks and Brokers, Mariel is a highly experienced Loan Processor. Alongside our team of Mortgage & Finance Brokers, Mariel ensures all the right information is captured and submitted at the right time so loans are approved seamlessly.

A team player with an eye for detail, Mariel loves collaborating with colleagues to help clients get closer to their financial goals. Outside of loan processing, Mariel loves losing herself in a good book and also cooking up a storm…and then enjoying the results!

All your financial solutions in one place

We specialise in finding financial solutions for our clients, whether that’s a first home buyer mortgage, the best refinancing rates, investment mortgage, car finance, or business loanswe cover it all. 

In fact, many of our customers keep coming back so we can help them with all aspects of their finances – be that personal, business or both.

Navigating the loan market can be complicated and can, at times, require legal services, which is exactly why we have an inhouse legal team. Our team of brokers and legal experts are here to make every aspect of your loan experience as simple and efficient as possible.

Mortgage Broker Byron Bay - First Home Loans

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