About Us - Mortgage World Australia

Mortgage World Australia commenced operations in Western Sydney in 2001. The business was started by Patrick O’Brien, who is still the Director of the company.

Mortgage World Australia Pty Ltd is a credit representative (CR No.396946) of Australian Finance Group Ltd (Australian Credit Licence No. 389087). Australian Finance Group Ltd (AFG) is the largest mortgage aggregator in Australia with over 1,800 brokers.

Since 2001 Mortgage World Australia has helped hundreds of clients around Australia realise their dream of home ownership by spending time with them to help find the best home loan for their needs. Through our affiliation with the largest network of individual mortgage brokers in Australia we are able to offer most clients around the country a personalised, face to face service.

Whether you are a first home buyer just starting out on your real estate journey, an experienced investor or you are just looking to get a better deal on your current home loan then we can help.

Patrick O'Brien

Patrick O’Brien


Patrick is a Director and a Home Loan Specialist. He has been helping Australians with home loans since 2001. Prior to working as a mortgage broker Patrick was employed by Macquarie Bank for 3 years and also worked as an accountant for a publicly listed company.Patrick holds a Bachelor of Business majoring in Accounting and sub-majoring in Finance and Marketing from University of Technology, Sydney.

So Patrick has an excellent understanding of financial statements which is very useful when it comes to sourcing finance for self-employed borrowers.

Patrick also holds a Certificate IV and Diploma in Financial Services (Finance/Mortgage Broking Management).

Patrick has an extensive knowledge of financing investment properties and also ‘walks the walk’ owning a number of investment properties himself.

About us Introducing Ikesh Tharmarajah

Ikesh Tharmarajah

Loan Advisor

Ikesh is a recent addition to the Mortgage World Australia team. With the increase in the number of savvy investors, first home buyers and business owners, it was important that the latest addition to the team had to offer much more than just being an intermediary for the lenders. Ikesh has a strong set of accounting and finance skills and knowledge given he is a qualified CPA and is a MBA graduate from UTS.  This will assist our commercial space clients as well as our SME business owners.  In addition to that, Ikesh also understands that there are also people that are not as savvy as others, especially first home buyers and is very passionate about helping and educating people to better understand what they really need and want, a step that most brokers negate these days. Ikesh also found that Patrick was great with the way he interacts with his clients and wanted to join someone who shared the same passion. Ikesh himself owns a number of residential properties and has good access / contacts to services related to the property industry.

Krystal Mellan

Client Care Manager

Krystal joined the Mortgage World Australia Team in July 2018.  She has been working within the banking, finance and insurance sector for over 12 years. Prior to working with Mortgage World Australia, Krystal was managing a successful finance department within a high volume dealership for one the biggest Automotive groups within Australia.  She as extensive knowledge of Motor Vehicle and Asset finance loan structures and has worked with several lenders.

Krystal has great knowledge of the importance of the Home lending journey, being an investor herself and also having experience in working with her clients from when she was employed within the Westpac banking group for almost 5 years.

Krystal is passionate about her clients goals, She enjoys putting all the pieces of the lending puzzle together, and receives great satisfaction knowing she has played a part to ensure her client dreams come a reality.

Krystal holds a Certificate IV in Financial Services (Finance/Mortgage Broking Management) and is currently obtaining her Diploma.