Your mortgage expert at home and abroad
Hi, I’m Teresa Cahill – mortgage broker, property enthusiast, and financial strategist. My mission at TC Mortgages is simple: to help you secure the right loan while aligning it with your bigger picture – your wealth ambitions, lifestyle goals and future aspirations.
With a professional journey spanning Sydney, Hong Kong, and Singapore, and over 20 years as a Chartered Accountant and senior finance executive in banking and insurance, I offer unique insights into mortgage structuring especially for expats seeking to invest or buy their dream home back in Australia.
Whether you're purchasing your first property, investing, returning home from overseas, or navigating life’s transitions, I’ll listen, guide and tailor solutions to your specific needs. From the initial application through settlement and beyond, I coordinate a seamless, transparent and empowering experience – ensuring your mortgage serves you now and into the future.
Why choose me?
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I take the time to understand your unique needs, crunch the numbers, and create a smarter mortgage strategy that works today and in the future.
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With my background in chartered accounting and senior finance roles, I bring a superior level of financial and strategic acumen to mortgage broking, including structuring loans to maximise financial benefits.
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From application to settlement, I coordinate every detail myself, ensuring clear communication and a professional and stress-free experience.
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Beyond my own expert mortgage advice, I connect clients with my trusted network of conveyancers, financial advisors, and real estate professionals for holistic financial support.
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I am your long-term financial partner, keeping property finance working as life evolves to support the lifestyle, security and freedom you deserve.
"Teresa was absolutely fantastic! She talked to over 20 banks, got me a better deal than any of them had offered me, got it done by Friday, and then walked me through the process and paperwork.” Ben O.
Trusted by clients like you
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“Teresa is highly competent, knowledgeable and a joy to deal with. She helped us with an expat loan, which is far from simple, but we got a great result and couldn't be happier. I highly recommend Teresa if you're looking for a mortgage in Australia.”
Eleanor Cahill
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"Teresa is endlessly patient, really knows her stuff and is lovely to deal with. Would recommend her to anyone. We were nightmare clients, both working full time and unable to locate a lot of info, but she persisted and helped with great advice until we got our loan approved."
Lauren Hamilton
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"Teresa was an absolute pleasure to work with. She was knowledgeable, listened to us and our needs and provided good options. We felt that Teresa was 'part of our team' to figure out the best solution for our circumstances. In terms of meetings, super-flexible, easily contactable and we felt totally supported in the process. I highly recommend Teresa for anyone looking for reliable and knowledgeable mortgage broker."
Sarina Kilham
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"Teresa is a clearly a very experienced mortgage broker who was able to guide me through the process as a first time buyer. She is friendly and a great communicator and I always felt well consulted throughout the process. She explained everything in an easy to understand way and dealt with all my questions in a very responsive and respectful manner. Thank you Teresa for assisting me and going above and beyond. I hope to work with you again in the future!"
Francis Rocks
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"Teresa has been a great broker from the first meeting until settlement earlier today! We were first home buyers and she answered all our questions and guided us through the process perfectly so we had one less thing to worry about. She was very patient and understanding when we had to take a break due to job change and were never pressured and/or pushed towards a certain lender throughout the process. Highly recommended if you want quality service with personal touch – many thanks Teresa!"
Minne Bosma
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"Teresa was absolutely fantastic - 11/10. I was in a position where I needed a bit more than what any of the banks were willing to pre-approve me for, and I needed to know by the end of the week so that I could sign a contract. Teresa was able to talk to over 20 banks, get me a better deal than any of them had offered me, get it done by Friday, and then walk me through the process and paperwork. And all of her work was paid for by the bank. If you're reading this and looking for a broker, you'd be silly not to go with her."
Ben O'Dea
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Teresa has been an outstanding broker, from beginning to end, in assisting me with selling and buying a new home. She managed to secure bridging finance options that worked well for my situation. Her diligence and chasing up with all the people involved, from banks to solicitors, was amazing. Teresa was willing to answer all my questions and made sure I understood what was happening each step of the way. When the time comes that I might need to refinance I will be giving Teresa a call for her generous, competent and kind assistance.
James Madsen
