About Us
About Us
Client First Lending exists to give every client clarity, confidence, and control over their next financial decision.
Founded by Tammy Spencer, a banking and finance expert with more than 30 years of industry experience, Client First Lending is built on strategy, transparency, and genuine care.
Tammy's career spans three decades with ANZ, including senior banking roles and mobile lending franchise ownership, before establishing herself as an independent broker. This depth of experience means clients benefit from true end-to-end lending expertise, exceptional problem-solving skills, and a commitment to delivering lending solutions that genuinely put the client first.
Based in Brisbane and supporting clients across Australia, Client First Lending offers a comprehensive suite of lending services, including:
First Home Buyer Support — Clear, step-by-step guidance from deposit planning through to settlement.
Next Home Loans & Bridging Finance — Strategic lending pathways to help you transition smoothly between homes.
Investment Lending — Tailored strategies for new and seasoned investors, backed by decades of lending insight.
Refinancing & Debt Restructuring — Reduce repayments, consolidate debt, or unlock equity with a structured plan.
Self-Employed & Complex Income Loans — Smart lending solutions for business owners and clients with non-traditional income.
Loan Health Checks — Regular reviews to ensure your lending structure continues to support your financial goals.
Airbnb & Short-Stay Lending Strategy — Insight into lender policy and loan structuring for short-stay income.
SMSF Lending — End-to-end support for property purchases through self-managed super funds.
Equipment & Asset Finance — Fast, flexible lending for vehicles, machinery, and essential business equipment.
Business Lending — From cashflow support to growth funding, tailored solutions for small business owners.
Our Team
Tammy Spencer
Finance Broker
Tammy Spencer brings a clear, practical approach to every application, backed by a genuine interest in helping clients reach their property and financial goals.
At CLIENT FIRST LENDING PTY LTD, the focus is on understanding your circumstances first — your plans, your timeline and what you're comfortable committing to — before looking at any product. That way the loan you end up with suits your life, not just the numbers on the page.
With access to a wide panel of lenders, Tammy Spencer handles the research, the paperwork and the lender follow-up, keeping you informed at every stage so there are no surprises.
Whether you're buying your first home, refinancing, investing or restructuring existing debt, you'll get honest answers and a real person to talk to. Get in touch to start the conversation.