Charles Kilby

With 29 years of experience in the mortgage industry, Charles Kilby is a trusted and highly respected residential mortgage broker who has guided thousands of Australians through the journey of homeownership and property investment.

Specialising in home and investment loans, SMSF lending, and refinancing, Charles combines deep market knowledge with an unwavering commitment to delivering the best outcomes for his clients — no matter how complex the scenario.

A high performer from the early days, Charles’ first office was awarded Rookie Office of the Year — a testament to his drive, work ethic, and customer-first approach. Over nearly three decades, he has successfully navigated every property cycle and maintained a reputation for calm, ethical professionalism. His clients know him not only as a skilled strategist but also as a steady hand who brings clarity, confidence, and even a few laughs to what can often be a stressful process.

Charles is also a proud MFAA-accredited mentor, passionate about supporting the next generation of brokers to succeed with integrity, insight, and heart. Whether helping a first home buyer, a seasoned investor, or mentoring a new broker, Charles always puts himself in others’ shoes — ensuring empathy, expertise, and genuine care guide every step.