Nicole Gray

Australia

Nicole Gray is a mortgage broker and finance specialist based in Banora Point, New South Wales. She operates her business through Calmflow Finance Pty Ltd, a newly established practice registered under a licence agreement with Zuu Money Pty Ltd, where she is listed as Principal Finance Specialist. Her credit representative registration and that of Calmflow Finance are active on the ASIC Credit Representative Register.

Nicole focuses on helping first-home buyers, self-employed clients, growing families and property investors. She describes her approach as calm and steady, built around breaking down the lending process so clients understand each step clearly.

As a mother with a young family, Nicole explains that this experience shapes how she guides clients through securing the right home and managing a household budget. It is a perspective she brings directly to the everyday financial decisions her clients are working through, grounding her broking work in the realities of family life and home ownership.