About Freo Finance - Freo Finance

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

Outstanding Service from Start to Finish I cannot recommend Freo Finance highly enough. From our very first conversation, Luke and Sharon demonstrated a level of professionalism and expertise that instantly put us at ease. What stood out most was their efficiency. Every question was answered promptly, every step of the process was explained clearly, and there was never a moment where we felt left in the dark. Luke and Sharon clearly know the finance industry inside and out, and they used that knowledge to find the best possible outcome for us, without any unnecessary delays or complications. Beyond their technical expertise, it was their genuine care and attentiveness that made the experience such a positive one. They took the time to understand our specific needs and tailored their advice accordingly, rather than offering a one size fits all approach. If you are looking for a finance team that combines speed, professionalism and real expertise, look no further than Freo Finance. Luke and Sharon are an absolute credit to the business, and we will be recommending them to everyone we know. Thank you both for making the process so smooth and stress free.

Gabrielle Monaghan

What a great team Sharon and Luke were so good and made the process so easy. Always at the end of the phone and willing to help with any questions I had. Freo finance made the whole process so easy

Sharon MACBETH

Super efficient and fast way to get some finance. Luke is an absolute machine! Highly recommended.

Nathan Evans

Luke was absolutely amazing in getting our finances sorted. Was very professional and efficient. Will continue to use Luke again for any future finances.

Tamekah

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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