Luke Gardiner
M: 0487 013 519
P: 1300 476 188
E: luke@loans4homes.com.au
With over 20 years of experience in banking and finance, Luke founded Loans4Homes in 2012 to help Australians take control of their finances and achieve their property dreams. Since then, he’s helped hundreds of clients secure the right home loan — from first home buyers to seasoned investors.
Luke takes a solutions-based approach to lending, not a rate-driven one. He believes every client’s situation is unique, and tailors each loan strategy to fit their goals and circumstances. With advanced technology and AI tools, he delivers smart, strategic, and stress-free loan solutions that maximise borrowing power, improve cash flow, and minimise interest over time.
Renowned for his clear, jargon-free advice, Luke guides clients through the entire process — from pre-approval to settlement — making it simple and seamless. He’s especially experienced in helping self-employed clients, upgraders, and those navigating bridging finance.
Based in Cronulla, Luke has strong ties to the local community and loves connecting over a great coffee (or five). Outside work, he enjoys soccer, fitness, travel, and spending time with his wife and two daughters.
Approachable, knowledgeable, and passionate, Luke’s goal is to make the home loan process easy, empowering, and tailored to you.