About Freo Finance - Asset & Vehicle Finance Brokers

About Us

Our experienced team will help make your hopes and dreams become a reality

About Us

Luke and Sharon have been involved within the finance industry in one capacity or another for over forty years and initially met each other while working together for the Commonwealth Bank.

They have been married for over 30yrs and have two adult boys and are currently mum and dad to three Beagles names Lily, Birdee and Molly.

They are experienced finance brokers having written most types of loans including home mortgages, investment property loans along with commercial and agricultural facilities however it is their expertise in asset, equipment and personal lending that they are well renowned for.

Being both self-employed and parents, they understand only too well the pressures of running a small business and keeping your customers and suppliers happy but also the pressures of the escalating cost of living for Australians.

They have always tried to be actively involved with various community organisations and more recently have been volunteering for the Perth Homeless Support Group.

Their current mantra is –

“We make a living by what we get. We make a life by what we give”.

Luke Bray

Luke Bray has extensive experience in the finance sector across Australia, including roles in banking, motor vehicle dealerships, aggregation, and finance broking.

He is well-regarded for his expertise and customer service, earning recognition from his peers as the PLAN WA Asset Broker of the Year in 2021.

Whether you’re an established business or just starting out and need finance for a car, truck, tractor, or machinery, Luke can provide the best recommendations.

As the face of the business, Luke has a gift for conversation—be prepared with a cup of coffee if you schedule a phone appointment!

He also serves as the current WA State President of the Finance Brokers Association of Australia (FBAA).

Outside of work, Luke Bray enjoys engaging in charitable activities, cheering on his beloved Dragons in the NRL, breeding koi, wine tasting and believes he can play golf.

Call Luke

Sharon Bray

Unlike Luke, who loves to chat and often the centre of attention, Sharon Bray is the backbone of the business, handling the majority of the paperwork—especially when it comes to personal lending.

With many years of experience in the banking sector and her own credentials as a broker, Sharon possesses extensive knowledge of the finance industry. She can help you with financing for a new car, caravan, or boat, and when it comes to refinancing existing loans, she consistently seeks out the best solutions for her clients.

Outside of work, Sharon Bray enjoys a variety of interests, including AFL, Rugby League, breeding koi, and competing against her husband in golf—where she often comes out on top!

Call Sharon

Ready to chat to one of our team?

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Our Recent Reviews

Luke & Sharon helped us in obtaining finance for a pool when our situation as retirees did not look all that promising at first. They worked hard on it and found a lender with a personal loan deal that suited us perfectly. We have utilised their services a few times now and have always experienced great service ,care & concern from them both. Thank you Luke & Sharon.

Bob & Nina Boyne

Luke helped me to secure business asset finance. Service could not be better. Turnaround was fast and simple. Thanks Luke. your service was amazing and can be highly recommended

Francisca Lantz

5-Star Review for Luke and Sharon I cannot express how grateful I am to have found Luke and Sharon at Freo Finance. As a self-employed individual, I’ve always felt a bit ashamed of my lack of financial literacy, and no one else seemed to be able to help me. I was often left feeling overwhelmed and judged. But from the moment I reached out to Luke and Sharon, everything changed. They made me feel completely comfortable, never judged me for what I didn’t know, and went out of their way to guide me through every step of the process. Their problem-solving skills are truly remarkable – they found solutions where no one else could. Thanks to their care and expertise, I now feel confident in managing my finances, and I know I’ll never use anyone else. I’m a client for life!

Lala Macnab

Luke has helped us many times , and definitely would recommend you use his experience, we couldn’t recommend him enough .

Chris

Frequently Asked Questions

Why should I use a Broker?

Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you only help with Asset Finance?

We can help with Asset Finance, Equipment Finance, Car Finance, Personal Loans and much more. If you need finance to buy something that's got wheels, we can probably help.

Are your Brokers licensed and accredited?

All of our Brokers are accredited They are extremely professional and provide exceptional service across a range of lending options.

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Name

Phone Number

Email Address

Contact

Parkwood WA

0419 983 697

Luke F & Sharon L Bray ABN: 30 960 192 482. Credit Representative (Luke) #400026 and (Sharon) #506480 are authorised under Australian Credit License #484980

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.