Kelly-Ann Obank

Citrus Finance

About the Member

At Citrus Finance, we are deeply committed to service excellence and client satisfaction. Respect and patience are at the heart of all we do, and we pride ourselves on the expertise we bring to every client interaction.

Helping people access finance so they can realise their dreams is what drives us to continually look for the best deals and servicing options to meet our clients’ individual needs. We value honesty and transparency, and never over-promise; it is on these principles that more than a decade’s worth of trust has been built and lasting relationships forged.

Since our establishment in 2010 by award-winning mortgage broker George Obank, Citrus Finance has earned a reputation for integrity, client dedication and expert industry knowledge. George has since taken a step back from the business, but this legacy is upheld by our owner and director, Fiona Conley.

Fiona not only embodies the values and business principles that Citrus Finance was founded upon, but has more than 20 years’ experience in the finance industry, including over 10 years running her own brokerage. Her passion and acumen – along with our access to more than 60 lenders – mean we can offer our clients a wide range of tailored financial options and personalized guidance; we make complex processes easy to understand, and keep our clients updated throughout the process.

With Fiona’s leadership, George’s support and the continued involvement of his wife, Kelly, in the business, Citrus Finance aspires to become Western Australia’s premier choice for mortgages, personal loans, car loans and business finance. We also strive to establish a strong presence in the Perth Hills.

Industry:
Finance (Mortgage Broker)

Phone:
0455467618

Email:
kellyo@citrusfinance.com.au

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Customer Testimonial

I have been working on my mortgage with Kelly in the past and again recently and couldn’t be happier with the experience. From the beginning, Kelly has been professional, knowledgeable and incredibly supportive throughout the process.

Kelly took the time to clearly explain my options, answer all of my questions and made this process smooth and manageable. Communication was and has been excellent. I always am informed and confident about the next step/s.

Kelly offers real care and attention to detail. I feel like more than just a file number; Kelly is truly invested in achieving the best outcome for me.

I would highly recommend Kelly to anyone looking for a reliable, responsive and trustworthy mortgage broker.

Areas of Expertise

Since entering the mortgage broking industry, I have taken a proactive and hands‑on approach to learning across a wide spectrum of lending scenarios. I have never shied away from complex or unfamiliar transactions, instead actively seeking opportunities to broaden my knowledge and strengthen my technical capability.
My experience spans **residential, commercial, and specialist lending**, including owner‑occupied and investment purchases, refinances, and debt consolidation strategies. I am well‑versed in supporting clients with **favorable and non‑standard purchase scenarios**, including guarantor loans and vacant land purchases, as well as **construction lending**, from initial feasibility through to completion.

I also have experience assisting business owners through **business lending and funding solutions**, including payouts of long‑standing business debt, and both **commercial and residential property acquisitions**. My skill set extends to **Self‑Managed Super Fund (SMSF) lending**, where compliance, structure, and forward planning are critical, as well as **reverse mortgages** for clients seeking later‑life lending solutions.

Across all transactions, I take a solutions‑focused approach — assessing each client’s broader financial position rather than applying a one‑size‑fits‑all mindset. This breadth of exposure allows me to think strategically, anticipate challenges early, and structure lending in a way that supports both immediate needs and long‑term goals.

Points of Difference

Embracing Change, Technology & AII actively embrace change, emerging technology, and the growing role of AI within the Australian mortgage broking industry. I stay current with market conditions, lender policy updates, and evolving processes to ensure my advice remains accurate, compliant, and future‑focused. By combining modern tools with sound human judgement, I deliver efficient, well‑considered lending outcomes for my clients.
Clear, Transparent CommunicationMortgage broking can be complex, and I pride myself on delivering clear, non‑jargon, transparent communication at every stage of the process. I take the time to explain lending options, structures, and recommendations in a way that is easy to understand, ensuring clients feel informed rather than overwhelmed. Clarity of process is central to how I work — my clients always know what to expect, what comes next, and why decisions are being made — building confidence, trust, and a smoother overall experience.
Strong Compliance, Data Protection & SecurityCompliance is non‑negotiable in mortgage broking, and integrity underpins every transaction I manage. I maintain detailed file notes, adhere strictly to regulatory requirements, and prioritise data protection and information security. This disciplined approach safeguards clients, referrers, and stakeholders, supporting long‑term certainty, trust, and peace of mind.
Client Education, Financial Literacy & StructureI am passionate about educating clients and improving their financial literacy, so they feel confident and empowered throughout their lending journey. A key part of this education is ensuring the **most appropriate lending structure** is confirmed for each individual client, transaction, and stage of life. I take the time to explain not only what structure is recommended, but why — ensuring it aligns with the client’s objectives, risk tolerance, and long‑term plans, rather than focusing solely on the immediate transaction… leading into number 5:
Tailored, Long‑Term Lending SolutionsNo two clients are the same. I take a personalised, considered approach to every lending strategy by understanding each client’s circumstances, goals, and comfort level. My focus is on creating sustainable, long‑term lending solutions — not quick wins — so clients feel supported, secure, and confident well beyond settlement.

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