Meet Cheryl Ann Garsulao
Cheryl specialises in helping first home buyers, property owners, and investors, offering clear, honest guidance to help clients understand their options and make informed financial decisions.
With strong relationships across a wide panel of lenders, Cheryl tailors solutions to each client’s circumstances and assists with refinancing, debt consolidation, car loans, and personal loans. Committed to her clients’ long-term success, she guides them through every step, helping them access government incentives, competitive rates, and ongoing support to stay in a strong financial position.
Services and Specialisations
Whether you are buying your first home, building, refinancing, or restructuring existing debts, Cheryl will assess your position, explain your options clearly, and help you move forward with the right plan.
Construction Loans
Building involves additional steps such as progress payments, valuations, timelines and lender requirements. Cheryl will structure your loan correctly from the start and guide you through each stage so there are no surprises.
First Home Buyer
Buying your first home can feel overwhelming. Cheryl will break everything down, show you exactly where you stand, and create a clear path forward so you can purchase with confidence.
Refinancing
Sometimes it’s not just the rate, it’s the structure. Cheryl will review your current lending, negotiate where possible, and help set it up to better support your goals today and into the future.
Hear from our customers
Cheryl genuinely puts her clients first. She is decicated to make sure that you will succeed in getting the right mortage, with very clear laid out timelines. I couldn't recommend her more. Thanks Chery!
We had the pleasure of meeting Cheryl in 2024 and partnered with her as our mortgage broker when we built our first home. Through her guidance and perseverance, we were able to secure a loan that met our needs. Nothing is too difficult for her and she's always on top of what needs to be done. Highly recommend!
We met Cheryl via phone call back in 2019 when we inquired about getting our first home. Ever since that phone call, we knew she was the ‘one’! She is trustworthy and reliable. She gives good and honest guidance. She is very positive as well. She helps builds financial confidence and guide in building SMART goals for her clients. She helps make dreams achievable!
Without that first phone call, we would not have had the confidence and great plan in saving and getting our first home.
Hence, we always recommend her to our family and friends due to her professionalism and great character. :)
Without that first phone call, we would not have had the confidence and great plan in saving and getting our first home.
Hence, we always recommend her to our family and friends due to her professionalism and great character. :)
Cheryl and her team made the process really smooth and easy. The team was very responsive and knowledgeable and you can tell that they care about their clients. I highly recommend this business.
Cheryl is incredibly patient and always takes the time to walk you through every detail. She answers every question with care and makes sure everything goes smoothly
Cheryl was incredibly helpful throughout the entire mortgage process. She took the time to understand our needs and explained every option in plain language, she doesn't sugarcoat anything and is straightforward which made us feel confident in our decisions. She secured us a competitive interest rate that beat what we had found on our own and guided us through the paperwork step-by-step. Communication was outstanding — she kept us updated at every stage and responded quickly to our emails and calls even if it's past business hours already. The process was smooth from start to finish, and we felt genuinely supported. We would highly recommend Cheryl to anyone looking for a friendly, knowledgeable, and reliable mortgage advisor.
I first met Cheryl when I started my journey of home ownership where I did a house and land package with HomeBuyers Centre. While that journey did not work out for me and I am now on my second journey at this I could not be more grateful to have been connected with such a wonderful human.
Cheryl is an amazing individual with such empathy, caring and understanding of you with a genuine interest and care that is not only as a client but also a person.
We have had many amazing open and honest chats and have a true understanding of each other and learnt many things during the course of this. And as a bonus a genuine friendship has come out of this.
If you are looking for a broker you can do no better than reaching out to Cheryl to discuss your journey of home ownership.
Cheryl is an amazing individual with such empathy, caring and understanding of you with a genuine interest and care that is not only as a client but also a person.
We have had many amazing open and honest chats and have a true understanding of each other and learnt many things during the course of this. And as a bonus a genuine friendship has come out of this.
If you are looking for a broker you can do no better than reaching out to Cheryl to discuss your journey of home ownership.
As first home buyers, we couldn’t have asked for a better mortgage broker than Cheryl. She was incredibly helpful, informative, and always available, no matter the time of day. Cheryl guided us through every step of the process and made sure we felt confident and informed in our decisions. Highly recommended!
If you are buying a property for the first time, Cheryl will guide you through the process and make sure you understand everything. Cheryl made the whole process smooth for us. Thanks Cheryl!!
Get in touch with us at Sunshine
Operating from SUNSHINE 3020