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Crystal Culshaw

 

I grew up in beautiful Port Stephens, NSW, and moved to Cairns when I was 12. After finishing high school, I went straight into the banking industry and spent 16 years with one of the major banks. During that time, I worked across a range of roles from teller to management and everything in between . During my time I discovered my love for home lending and helping people achieve their home-buying dreams.

Over the years, I’ve found my focus shifting more toward building genuine relationships and delivering great customer service. I love being able to assist my clients — whether it’s buying their very first home or their tenth — and being a part of that journey with them.

After working with Astute professionally for many years, I knew it was a team that truly cared about its clients. Joining them felt like a natural fit, and I’m proud to be part of a supportive and experienced group that helps clients with all aspects of their financial journey — from home loans and insurance to financial planning and accounting.

our-team

07 4041 3100

136 Mulgrave Road, Cairns, QLD 4870

What Our Clients Have To Say

John and the team looked after us on many fronts from mortgage, superannuation and even life insurance. We even compared rates on our new vehicle lease and Astute came through better than any bank.

These guys definitely have the XFactor

Colin Gilbert, Cairns

Being self employed is always a bit of a struggle when it comes to home loans. The amazing team at Astute made this happen for us. Their down to earth yet professional approach is very reassuring. Excellent customer service and follow up throughout the process that made it less nerve racking. Call them or pop in, make the first step and I can gguaranteethey will do their best to make it possible. A big thank you to John, Damian and the amazing Shae- Shae who could teach a few things to hospitality people. Cannot thank you enough so I recommend you to everyone in need of a loan

Nicolas Devic, Cairns

I was very impressed with the quality of service and support. Jasmin really went beyond to ensure my equipment loan went as smooth and quickly as possible which took a great deal of stress out of setting up my new business. I would highly recommend Astute’s EF team Donnie, Morene and Jasmin for any car or equipment loans.

Matthew, Edmonton

Prompt efficient service from the 1st phone call to make an appointment through to the loan contract. Excellent service all round. Well informed and kept up to date throughout the process . Highly recommended. Thank you.

Donna G, Cairns

We recently had an appointment with Astute to help us sort out our mortgage needs. From the moment we stepped into the building we were made to feel welcome. From Shae on the front desk to Damian during our appointment. Damian went above and beyond to help us with our needs, explaining things simply and offering further support. It all makes so much more sense when you have someone who knows what they’re talking about! Thank you so much.

Tanya Greene, Cairns

We have been using John since we bought our first house in 2008 and taken sound advice from him in all our finance dealing ever since; which has included, opening a business, building our second house and now purchasing an investment property. We trust the advice given to us and not understanding the finance world hugely rely on the knowledge given to us in making decisions. We thank Verena very much with her patience throughout each deal and her simple way of explaining the overwhelming fluff that the banks put on paper. Johns stickmen and drawings helped us immensely 🙂 We really feel like we have actually made some good friends when dealing with Astute.

Scott, Cairns

Astute are very professional & helpful. Would recommend these guys to anyone looking at refinancing or purchasing. Started with this team when they were in their little office, my how they have grown. Special thanks to Verena for all her help but all the staff are wonderful and great with the little ones as well J Thanks heaps.

Renee Melville, Cairns