Banking experience. Business insight. Personalised finance solutions.
Mini Peng is a finance professional with over two years of experience in mortgage broking and a diverse background spanning banking, finance, business operations and entrepreneurship.
With previous banking experience at HSBC, Mini brings a broad understanding of financial services and lending. She supports clients across residential mortgages, commercial lending and SMSF property finance.
Since 2011, Mini has been involved in the financial management of a family business, including bookkeeping, MYOB transaction processing and payroll administration. Her experience also includes building materials import and export documentation, logistics coordination and sales responsibilities.
With more than 10 years of experience in online sales and independently operating her own business activities, Mini understands the commitment, cash-flow considerations and financial responsibilities involved in running a business. This perspective helps her better understand self-employed borrowers and business owners.
At M&P FUTURE FINANCE, Mini focuses on clear communication, personalised guidance and lending solutions shaped around each client's circumstances and long-term goals. Good broking is not only about finding a loan — it is about understanding the person or business behind the application.
Specialises in
CommercialVisa holdersFirst home buyersRefinancePAYG
Business mix, last 12 months
Commercial40%
First home buyers30%
Refinancing30%
Works with: Visa holders and new residents, PAYG employees, Self-employed or low doc
I had a great experience working with Mini throughout my home loan process. She was professional, knowledgeable, and genuinely passionate about helping her clients. She took the time to understand my needs, explain different loan options clearly, and help me find the most suitable solution. She was always patient, approachable, and quick to respond to my questions. Her enthusiasm and dedication made the whole process much smoother and less stressful. I really appreciate her support and would highly recommend her to anyone looking for a reliable and caring mortgage broker.
Reviewed on BrokerScore
JUNE
27 Oct 2026
I had a great experience working with her throughout my mortgage application process. Mini is very friendly, patient, and professional, and always willing to go the extra mile to help me find the lowest possible interest rate. She took the time to explore different loan options and find one that best suited my needs. She was always happy to answer my questions and explain things clearly, which made the whole process much easier and less stressful. I really appreciate her dedication, excellent communication, and ongoing support. I would highly recommend her to anyone looking for a reliable and caring mortgage broker.
Reviewed on BrokerScore
BRANDONInvestor
27 Oct 2026
The previous client of Mini is a good friend of mine. My good friend referred Mini to me. I was planning to buy an investment house to rent out, intending to hold it until retirement. I told Mini about my needs and my actual financial situation. I run a restaurant, and after I provided all the relevant details to her, she considered that I’m self-employed while my wife has PAYG income. Based on our ages and situation, we want to buy an investment property to generate rental income for retirement. Using her professional knowledge, Mini compared different banks for me and helped arrange the cash out amount I needed without requiring a lot of extra cash for the deposit. I’m very satisfied with her help. Mini was very patient and explained things very clearly to me. I truly appreciate her professional service and care.
Reviewed on BrokerScore
TEGANFirst home buyer
27 Oct 2026
As a first-home buyer, I paid a deposit during COVID to purchase an off-the-plan property. As the settlement date was approaching, my agent introduced me to Mini. Based on my situation as a newly employed accountant with PAYG income and not a high salary, she helped me secure a loan and successfully purchase my first home. Later, after I changed jobs and got a raise, I turned to Mini again for refinancing because I wanted to cash out some funds for home improvements. She helps me to improve my cash flow and fully met my needs. I’m very satisfied with her patience, professionalism, and careful service. She truly understands client needs and is highly professional, making her a genuinely trustworthy mortgage advisor.
Reviewed on BrokerScore
WUYANRefinance
27 Oct 2026
I previously had a home loan with Commonwealth, and when I needed to cash out, Mini helped me refinance to AMP. Not only did I save on interest, but the loan amount also met my needs. She compared policies from many different lenders based on my actual situation, and ultimately found one that was friendly to self-employed applicants, so I could qualify smoothly.
Reviewed on BrokerScore
Case studies
First home buyer
First Home buyer
Understand your borrowing position, deposit requirements and potential eligibility for applicable government home-buying schemes.
Self-employed
Can I apply if I have only one year of tax returns?
Potentially. Some lenders offer eligible one-year income assessment options, while others require two years or additional evidence. Eligibility depends on the lender’s current policy and your circumstances.
SMSF
Can I refinance an existing SMSF property loan?
Some lenders offer eligible SMSF refinancing products. The property, existing loan structure, fund and trustee arrangements must meet the relevant lender’s requirements.
Commercial
Can I obtain finance for a commercial property with an existing tenant?
Potentially. The lender may assess the lease, rental income, remaining lease term, tenant profile, property type, valuation and the borrower’s financial position.
Investor
Can I use equity in my existing home to buy an investment property?
Potentially. The lender will assess available equity, the proposed loan structure, your overall debts and serviceability. Additional borrowing is subject to approval.
Refinance
Should I choose a loan because of cashback?
Consider the total cost over the time you expect to keep the loan. An upfront incentive alone does not establish whether switching is worthwhile.
Meet Minyi
Mortgage broker · Sydney
Personality
What’s something people would be surprised to learn about you?
“I am a professional with over two years experience in mortgage broking and background finance, business operations”
Compatibility
What’s one thing you want every new client to know?
“With previous banking experience at HSBC, She supports clients across residential mortgages, commercial and SMSF lending”
