About Us
At Cultivate Financial, we believe a home loan is more than just a transaction - it’s the first step toward long-term financial freedom. That’s why we’re here to help you plant strong financial roots and grow with confidence.
​Founded by James Roy, Cultivate Financial was created to offer a more grounded, personal approach to mortgage lending. With over 17 years of experience in lending, relationship management, and Private Banking, James saw the need for a more transparent, supportive process - one where clients feel informed, empowered, and genuinely cared for.
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Backed by qualifications in business, economics, finance, and law, James has held senior roles including Senior Private Banker and Lending Team Manager. Whether you’re a first-home buyer, a self-employed borrower, or navigating a complex financial structure, Cultivate Financial brings clarity, patience, and expert guidance to every situation.
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Our name reflects our philosophy: when you cultivate strong foundations, you set yourself up for long-term growth. We’re here to listen, explain, and simplify the process - because finance should work for you.
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Based in Melbourne, we proudly serve clients across Australia and internationally.
