Surf2Summit Mortgage Centre – is about making your loan process stress-free and saving you money.  We can secure the best loan possible.

We are a fully accredited member of the MFAA.  The Mortgage & Finance Association of Australia (MFAA) is the peak national body for professional mortgage and finance brokers, mortgage managers and aggregators.  We operate within a professional Code of Practice that supports the alignment of the retail mortgage market with investor and consumer trust and confidence.

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term.


Surf2Summit Mortgage Centre is the trusted independent mortgage brokers and advisors on the South Coast of NSW but also deliver our bespoke service to every corner of Australia. We are dedicated to securing you the best loan possible. We help clients negotiate deals for a range of investments, such as home loans, refinancing, property investments, buying a home and more.

  • We are a full member of the Mortgage and Finance Association of Australia (MFAA) which means you will be dealing with a professional who is bound by a strict industry code of practice
  • We do all the legwork; to find the perfect loan to suit your individual needs
  • We have a panel of over 23 lenders offering hundreds of loans to choose from
  • We shop around for you, we do the analysis and comparisons – a hassle-free process
  • Our service is *free of charge
  • Our service is convenient and flexible – with after hours and weekend appointments available by prior arrangement
  • We offer much more than home loans!
  • Whatever your situation – bankruptcy, credit defaults, residential security on business loans, self funded strategies – we can find a loan to suit you.
  • We may even be able to refinance your business loan at home loan rates!

Along with providing great interest rates, unlimited additional deposits and redraw, we will provide you with customer service that you will value for the life of your loan.

We have a dedicated team here in-house, ready to answer your questions. When you call the team at Surf2Summit Mortgage Centre, your call will be answered by a real person, your queries will be answered by a friendly team member, and our team will guide you through your home loan application process, and into the future.

We will work with you and your service providers (Real Estate Agent, Conveyancer and lender) during your purchasing process, whilst ensuring we help you obtain the finance that best suits your circumstances and needs.

Surf2Summit MFAA approved broker
MFAA logo surf2summit full member of MFAA

Dean Denaro

Dean Denaro has been in the banking and finance industry since 1985, holding various roles including lending and financial planning. Since 1999 Dean has been a Financial Planner and in Lending as a MFAA member since 2012.

Dean continues to manage his Financial Planning business but is also fully qualified as a Mortgage Broker and has accreditation to write loans.

Debbie Cusack (formerly Sanders)
Mortgage Broker
Credit Representative no: 421534

Debbie has been in Home Lending for over 25 years via employment with St George, ANZ and CBA and have also been a Mortgage Broker since 2012. Debbie is now liaising with more than 23 lenders to assist clients compare the market for the best Home Loan for them.

She holds a Diploma and Certificate IV in Mortgage Broking and is a full member of the MFAA (Mortgage & Finance Association of Australia).  She can also assist clients with Business Lending and Asset Finance via lenders who are on our panel for commercial business.

ana cowles surf2summit mortgage centre

Ana (Snjezana) Cowles
(Canberra-based) Part-Time Admin Assistant

Ana joined Surf2Summit Mortgage Centre in 2017 and is passionate about providing a highly professional and personalised service to her clients, tailoring lending solutions to meet their needs. Widely known for her unwavering work ethic, she prides herself on her down to earth approach and has a vision to become one of the most trusted and self-driven professionals in the industry.

Having had a keen interest in the finance industry for many years, Ana has now completed her Diploma in Finance and Mortgage Broking, and due to complete her Bachelor of Accounting and Financial Planning in the near future. Currently servicing clients from the Sapphire Coast and beyond, seeing her clients achieve their goals is what drives Ana to consistently strive for the best results.