Our Story

Iconic was founded in 2017 by Nicolette Aquilina, an ex banker with 13 years experience who recognized a critical gap in the mortgage broking industry: the lack of a truly data-driven approach to property finance. Whilst the standard approach focused solely on interest rates, our founder understood that the real value lay in comprehensive analysis, strategic planning, and personalized service.

Our Philosophy

Strategy First, Loan Second.
Every financial decision should be backed by data, every client needs a personalized strategy and every solution should be tailored to specific needs and goals. We take a long term approach. We build strategies that align with your long-term goals, optimise your borrowing power, and consider your exit plan before you even begin.

Our Methodology

The Iconic Approach
Our methodology is built on three fundamental pillars:
Data-Driven Analysis: We don’t rely on assumptions or one-size-fits-all solutions. Instead, we analyze market trends, lender policies, and your financial position to identify the most advantageous financing options. This approach has proven particularly valuable in today’s complex lending environment, where 40% of refinancing cases face serviceability challenges. APRA data showing 40% of refinanced loans now require strategic restructuring to meet tightened serviceability buffers. (APRA Quarterly ADI Report, Q1 2025).
Strategic Expertise: Our team prioritise time on client education. We’ve seen what works, what doesn’t, and how to structure finance to support cash flow, tax efficiency, and wealth-building at every stage. We believe informed clients make better decisions, and we’re committed to ensuring you understand every aspect of your financial strategy.
Proactive Management: We believe your finance experience should be seamless, supportive, and straightforward. We do not engage only during the initial loan process, we continuously monitor your portfolio and market conditions to identify opportunities for optimization. This proactive approach has saved our clients an average of $12,500 in interest payments over the life of their loans.

Our Expertise

The mortgage broking industry has undergone significant transformation, with digital integration and specialization becoming key differentiators. At Iconic, we’ve embraced these trends while maintaining our commitment to personalized service.
Our team structure reflects this balance, we’ve invested in specialising our team in:
● Investment Property Financing: Navigating complex lending criteria for portfolio expansion
● First Home Buyer Strategies: Breaking down market entry barriers in major cities
● Refinancing Optimization: Identifying opportunities in changing rate environments
● Complex Income Solutions: Securing approval for professionals with non-traditional income structures
● Commercial and SMSF Lending: Providing specialized advice for business and retirement investment strategies
This specialized approach allows us to deliver tailored solutions while maintaining the comprehensive perspective that defines the Iconic experience.

Who We Serve

Our client base includes various professional backgrounds and investment objectives, but they share a common trait: they value expertise, efficiency, and results. We’ve developed specialized service models for:
IT and Management Professionals: We understand the unique challenges you face, from complex income structures to time constraints. Our streamlined processes and digital integration minimize disruption to your busy schedule while maximizing financial outcomes.
Property Investors: Whether you’re building your first investment property or expanding an established portfolio, we provide strategic financing solutions that optimize cash flow, tax efficiency, and long-term growth potential.
High-Income Earners: Your financial situation requires nuanced understanding and specialized expertise. We navigate the complexities of lending criteria for professionals with variable income streams, equity compensation, and diverse asset portfolios.
First Home Buyers: Entering the property market presents unique challenges, with the average saving period extending to 5 years in major cities. We help you navigate market entry barriers with strategies tailored to your financial position and goals.
Refinancers: In today’s dynamic rate environment, refinancing presents significant opportunities. We analyze your current loans against market offerings to identify potential savings and structural improvements.

Our Commitment

In an industry where trust is paramount, we adhere to the highest standards of professional conduct and regulatory compliance. The implementation of Best Interests Duty (BID) in 2021 formalized what has always been our guiding principle: your financial wellbeing comes first.
Our commitment extends beyond regulatory requirements to encompass:
● Transparent communication about all options and recommendations
● Secure management of your sensitive financial information
● Continuous professional development to stay ahead of industry changes
● Regular portfolio reviews to ensure your financing remains optimized

Trusted By Professionals

Iconic helped me restructure my loans and unlock enough equity to buy two more properties without increasing my monthly repayments.

Dev, Cloud Engineer, Sydney

The team mapped out a three-stage plan for us — first home, upgrade, then investment. It’s like having a finance co-pilot.

Leah, Product Manager, Melbourne

They understand the tech industry and how we’re paid — bonuses, RSUs, self-employed ABNs — no one else got it

Amrit, Software Architect, Brisbane