Joanne Lay

Joanne Lay

Mortgage Broker
Phone:0421 551 377


Introducing Joanne, the dynamic force behind VDA Finance and Capital’s success story. With a diverse background as a Taiwanese Australian, Joanne brings a unique perspective and unwavering dedication to the mortgage industry.

With a solid foundation as a home loan analyst at VDA Finance and Capital for three years, Joanne’s journey is a testament to her commitment to turning dreams into reality for clients. Her analytical prowess, honed during her tenure as a home loan analyst, seamlessly blends with her innate ability to connect with clients on a personal level.

Joanne’s transition to a mortgage broker signifies not just a career progression but a passion for providing clients with a bespoke and seamless home loan experience. Her goal is clear – to guide first home buyers, existing homeowners, individuals facing financial hardships, those juggling multiple liabilities, and savvy investors towards their dream homes.

Joanne is well-equipped to compare products and negotiate the best rates available with our wide panel of lenders. She embodies the ethos of VDA Finance and Capital, ensuring that every client receives not just the best mortgage solution but an unparalleled level of service.

Join Joanne on this transformative journey, where dreams find a home, and mortgages become gateways to new beginnings.

Education Background:

  • Certificate IV in Finance and Mortgage Broking
  • Diploma of Finance and Mortgage Broking Management


  • House Guarantee Scheme
  • Home Loan For Medical Professional
  • Self employed Low Doc loan
  • Investment Property Home loan
  • Guarantor home loans.
  • Bridging Finance
  • No Doc loan
  • SMSF Loan
  • Trust