Tailored Finance Support With A Northern Focus

Born and raised in the Burdekin, Meagan Morris from MortgageWorks brings over 20 years of experience in banking and lending. She understands what makes North Queensland tick and how that affects local lending. With clients across Australia, her focus remains on helping the north navigate complex finance needs with clarity and care.

“Finance isn’t one-size-fits-all,” Meagan said.

“My job is to help clients fine tune their financial strategy in a way that suits them.

“I work closely with accountants, solicitors and financial planners across all states and this network helps me ensure that the clients receive neutral information.”

A large proportion of the northern population work in seasonal industries, with around 50–60% as PAYG employees and 30–40% self-employed, often in trades or small businesses.

Meagan works across four key areas: property finance, refinancing, first home buying, and lending for renovations or refurbishments.

Properties like kit homes, stump houses or those in cyclone-prone areas often fall outside preferred lender postcodes. Meagan matches clients with lenders who understand local risks and property types.

For first home buyers, she offers guidance on state grants and family guarantee strategies. Meagan also helps young people enter the market without paying lenders mortgage insurance.

Refinancing is often overlooked. Meagan explained that clients may be on the wrong structure or have had changes to their circumstances, and that refinancing can be a perfect reset. “I recently helped a client consolidate six loans into three, saving them over $300,000 in potential interest,” she said.

Renovation lending is also growing. “More people are choosing to upgrade their existing home rather than move. That might mean funding for extensions, kitchens or structural changes, each with different lending requirements.”