John Encina
Director and Finance Broker
With over 23 years in the finance industry, John has enviable relationships with Australia’s leading financial institutions and non-bank lenders. For clients, these trusted connections translate into the ability to solve complex borrowing requirements, with outstanding results.
His determination to deliver great outcomes for clients has been recognised with numerous industry awards. Beyond work, John is actively involved in his community football club as a volunteer, coach and (not quite as fast as he was) player.
John Encina is a credit representative (396706) of Connective Credit Services ABN 51 143 651 496 (Australian Credit Licence 389328).
What our clients say
We're proud of the strong relationships we've formed with people right across Sydney – and beyond – and the impact we've had on their lives and livelihoods
Victoria Cook
November 22, 2023.
What an absolute pleasure it has been to work with Minh. I came to her in a difficult situation and needing to refinance - she made the whole experience smooth and stress-free (and surprisingly enjoyable!) Her unwavering support, guidance, communication and unmatched skill and expertise made me feel confident and safe throughout the process. We had a really wonderful result - I knew I was in the right hands. I cannot recommend her and Experity highly enough. Thank you Minh!
Mitch Farmer
November 19, 2023.
Minh provided first class service in securing our home loan. Experity Capital was recommended to me by a friend and I would highly recommend Minh and Experity Capital to anyone in the future - 5 stars
Rachel Farmer
November 17, 2023.
Thank you Minh for helping us secure our first home. We received amazing support throughout the buying process, Minh always made time to give us timely updates on everything and went above and beyond to make us feel comfortable with what was happening. We Highly recommend Minh and team. A pleasure to deal with & very helpful. Highly expert professionals who are fun to work with. Definitely 5/5 stars.
Mitch Cunningham
November 17, 2023.
I cannot recommend Minh enough! Minh has exceptional knowledge of the market and works tenaciously for a great outcome. Minh is very supportive and there to answer any questions you have and give fantastic guidance. Absolutely 5 stars!
Jennie Nguyen
November 15, 2023.
For the first time purchasing a home, Minh Beaver could not have made my process so simple and easy. She was able to organise unconditional approval within a few days and was there in support on the entire home loan process. Minh was always patient, honest and transparent in all my options as well as keeping in regular communication with me.
I could not personally recommend Minh’s mortgage broker services highly enough. She is an A+ in all aspects and I can’t imagine going anywhere else now. Thank you again Minh. I look forward to working with you in the future.
Kim McDiarmid
November 7, 2023.
Nick Graham is the most patient and supportive person and helped us along our journey to debt. Everyone at Experity was amazing.
Blake O'Malley-Powter
November 5, 2023.
Corey and Minh have been nothing but fantastic in helping us purchase our first home. My partner and I both held casual/ freelance employment making our financial situation unusual, but that was no problem for Corey and Minh. They guided us thru the whole process from start to finish and helped defuse a lot of the stress of being a first time home buyer.I could not recommend them enough.
Jim and Anita Ayre
October 15, 2023.
Fiona & Alex are experienced, knowledgeable, efficient and diligent. They were very accessible and supported and explained all steps. Advice was spot-on and we got our loan quicker than any other method. Appreciate the professional personal service. Highly recommend
Gabriella Vumbaca
October 11, 2023.
Working with Corey and Minh as a first-time home buyer was a fantastic experience. Minh and Corey's expertise, tailored mortgage options, and explanations made the process smooth and stress-free. Their efficient paperwork handling and excellent communication created trust and support. I now have a mortgage that exceeds my expectations and wholeheartedly recommend their exceptional services. Five stars!
Carlos Felix
October 10, 2023.
Highly recommend Alex. Never used a broker before and will use him again!
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Copyright © 2023 Experity Capital. All rights reserved.
Our brokers are Credit Representatives (refer to broker profiles) authorised under Australian Credit Licence Number 389328.
Our brokers are Credit Representatives (refer to broker profiles) authorised under Australian Credit Licence Number 389328.