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Quinto White is the visionary founder of Q Financial, a company dedicated to providing specialised lending solutions for everyday heroes in the Health and Education sectors. His journey into the financial world is as inspiring as it is relatable.
Quinto believes that life is meant to be enjoyed to the fullest. His philosophy is simple: smile, laugh, and extract the most joy out of every moment. He understands that having more financial options can enhance this happiness, allowing people to indulge in pleasures now and secure their future dreams.
Quinto’s professional journey began as a Geotechnical Consultant in the mining industry. The lucrative income from this sector gave him a taste of the lifestyle benefits that come with financial stability. However, he soon realised that his financial security was tied to external factors beyond his control. This realisation fuelled his quest for financial independence, leading him to invest hundreds of hours and thousands of dollars into understanding assets, investments, and income types.
His commitment to learning and personal growth paid off, and he developed a robust financial plan. However, the journey to financial freedom also introduced him to the complexities of the lending market. Recognising a gap in the market for better lending options, Quinto founded Q Financial.
Founder of Q Financial, Awesome Husband (self-proclaimed) and super mega proud father
Financial broker’s license – CRN: 472 681
ABN – 78 603 989 662
Member – Mortgage & Finance Association Australia
Owner: Surf Board, Skate Board, BMX, Dirt Bike, Vintage Motorcycle & a Pair of Batman High-top Cons.
Quinto’s approach to financial services is highly personalised. His clients, such as Brett Piper and Darcy Nielsen, have praised him for his ability to make complex processes smooth and for his exceptional customer service. He has helped clients with everything from investment property purchases to personal loans, credit card arrangements, and refinancing home loans.
Q Financial’s commitment extends beyond individual financial goals. Under Quinto’s leadership, the company embraces ethical lending practices and actively offsets its carbon emissions, striving to make a positive impact on the planet. This dedication to ethical practices ensures that clients not only achieve their financial dreams but do so in a way that supports a sustainable future.
With ten years of experience, Quinto has built a reputation for integrity and excellence in the financial services community. As a member of the Mortgage & Finance Association of Australia (MFAA), he stays informed about the latest lending trends and regulations, ensuring that his clients receive the best advice and solutions tailored to their needs.
I was a happy kid with a happy childhood. My folks weren’t what you would consider “rich” – but we were never short of a smile on our face growing up. All in all, I think I was a regular, happy, optimistic kid, I played lots of sports, spent lots of time outside and at the beach, all good.
Like many people, I came out of school, and entered the workforce (as a Geotechnical Consultant). This was great, and like many in our generation I ended up working in the mining industry. Getting a taste of the money on offer in that area gave me a taste of the lifestyle benefit to be had with that kind of income – I loved it! I experienced even more enjoyment that I had when I was younger and it was great – but it also led me to a conundrum – the money coming in from my mining employer was reliant on the employer. And this was reliant on a bunch of larger external factors, including the economies of other countries. All of which was out of my control and could change anytime.
I knew I wanted to keep the lifestyle I was enjoying, but I wanted to learn how to make this happen for myself, without relying on anyone. That’s when I started studying financial freedom.
I spent hundreds of hours and thousands of dollars, learned from the best and from those who’d done it in the past, and gathered together what I needed to know. Assets, investments, income types, I had my plan. I needed funding to make the dream happen – and this is when I came across my first experience with the world of lending. I saw what was on offer in the market – and I knew there had to be a better way.
The first reason (and most important) is my big why. I believe that life should be fun. I believe that we are here to smile, laugh, and feel amazing as often as we can – and squeeze the most awesomeness out of every minute we have here. I literally see no reason why this should not be the case, and I intend to live this example till I leave this planet.
I also believe (and know from personal experience) that achieving financial freedom on your terms is a way to increase the level of fun and enjoyment in our lives. Whether it’s toys for pleasure now, to travel and see the world or the good feelings of security with long term assets that increase wealth – it’s all good, and it all contributes to creating more joy in the now, and fulfilment of dreams in the future.
The second reason is the very clear need I saw to make the whole process easier, quicker, and more enjoyable than what was currently out there. Frankly, I knew there was a better way than either wasting time online with quick-fix solutions that aren’t – or going through the meat grinder of the corporate broking system.
The third reason is my personality. I just love helping and working with people – especially Gen Y people – on a personal level. I love the personal interaction, I love the meetings & exploring the options together – I love the whole process. Maybe due to my childhood, maybe it’s just in my DNA – but I have a naturally friendly, easy going manner – I love hanging out with cool people, developing ongoing lasting relationships – and helping them to achieve their financial (and personal) dreams. I love it.
Mortgage Broker
Founder of Q Financial, and Mortgage Broker, Quinto White has helped clients achieve their financial dreams for more than 8 years. Quinto is a trusted mortgage broker who is known for his integrity and commitment to providing excellent customer service. A member of the Mortgage & Finance Association of Australia (MFAA), Quinto is a highly respected member of the financial services community and has been recognised for his outstanding work on numerous occasions.
Quinto has extensive experience across a range of lending solutions and home loan finance options, including first home loans, refinances, investment loans, and commercial loans. He is knowledgeable about the latest lending trends and regulations and has strong relationships with a wide range of lenders. Quinto is committed to providing personalised service and attention to detail, and he is always available to answer his clients’ questions.
Lending Manager
0422 177 848
michael@q-financial.com.au
With significant expertise accumulated over five years working directly as a mortgage broker, I am intimately familiar with lending policies, and will conduct the appropriate research to provide you options that meet your needs and objectives.
Based on the lender you select, I will then package and submit your
application according to their requirements so it’s easier for them to say yes.
From there, we will manage every step of the process to get your application approved in a timely manner.
I understand how important communication is for clients, which is why we will also keep you in the loop throughout the process so you understand the status of your application at all times.
Should you have any questions about loan features. Moreover, you can rely on us to take great pride in getting you the all important approval and providing you a professional and seamless customer experience to make the process as smooth as possible.
Loan Administrator
Support@q-financial.com.au
As the loan administrator for Q-Financial, I support Quinto, Michael and yourself to ensure the loan application process goes as smoothly as possible.
Having lodged and coordinated the settlement of more than 250 home loans, I bring specialist skills in broker administration, compliance and “back end” broker systems to get things done right the first-time round.
Once lodged, I will be there for you throughout the settlement process. I will correspond with solicitors and lenders to ensure your settlement is booked in the appropriate time frame and facilitated as expected so things go as planned with no surprises.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them
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Excellent service and ongoing advice when buying our first home. Absolutely recommended!
Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.
Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩
We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.
Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.
I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!
We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.
Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.
I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702
The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!
Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!
Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend
Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.
Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.
Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)
Q goes the extra mile. Great work.
Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers
Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!
Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.
Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.
Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.
Q financial were super helpful and walked us through everything Highly recommend using them
Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!
Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.
Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend
Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼
Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!
Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.
As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them
Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.
Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!
We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!
Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !
Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!
As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!
Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.
Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!
Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!
Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!
Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!
Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!
Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!
What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️
Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!
We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..
Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!
Great guy and great at what he does
