07 4632 2477

7 Thomas Street, Toowoomba QLD

About Approveit Home Loans Pty Ltd

Approveit Home Loans was born out of the financial services group, Achieveit Financial Planning. Achieveit Financial Planning (formerlly H J Garden & Associates) has been established over 27 years in Toowoomba providing a full range of financial products from investments to lending to insurances. In 2002, it was decided to have a dedicated business arm look after the lending business of the group. Approveit Home Loans was established for this purpose.

Approveit Home Loans Pty Ltd is a corporate credit representative (CCR 397174) of BLSSA Pty Ltd - ACN:117 651 760 (Australian Credit Licence No. 391237).

Approveit Home loans and its consultants are full members of the MFAA (The peak body overseeing mortgage brokers in Australia). All consultants have long history and experience in the finance industry and are committed to providing excellence in Customer Service and professionalism in guiding clients through the mortgage maze as it exists today.

Chris Kelso

Loans Manager and Partner

Chris has been part of the Financial Services group since 2001. Prior to joining the group, Chris enjoyed a successful Banking Career with Westpac spanning 22 years.

With over 40 years' experience in the financial services industry, Chris brings to his clients a lifetime of experience and knowledge to assist in making important decisions and recommendations in regards to their financial circumstances.

Chris is able to assist with all facets of lending and is qualified to provide recommendations and guidance to clients whether they be First Home Buyers thru to the experience Property or Commercial investor.


Chris has and is strongly dedicated to making the customer experience as rewarding and stress free as possible by dealing with the Lenders on the clients behalf and using his experience to cut through the considerable paperwork that Lenders now require. Chris truly acts in the best interests of his clients, not the Lender.

Chris is a fully qualified Mortgage Consultant with a Diploma in Financial Services and a member of the MFAA.

Chris Kelso is a Credit representative (CRN 400041) of BLSSA Pty Ltd (Australian Credit Licence No. 391237).




Terry Whitehouse

Mortgage Consultant

Terry has been associated with H J Garden & Associates, and Approveit Home Loans since 1997. Terry has over 40 years experience in many areas of finance.

His primary role in the group is the project management of the construction of investment properties on behalf of our clients. Terry is responsible for the acquisition of suitable land, obtaining suitable finance packages and overseeing the construction process on behalf of the clients.

Terry is a specialist in this area gaining his "Blue Card" accreditation early in 2006.

Terry is also an accredited Mortgage Broker working with Chris in assisting our clients with suitable Home Loan packages.

Terry is a fully qualified Mortgage Consultant with MFAA and a credit representative(CRN 399042) with BLSSA Pty Ltd (Australian Credit Licence No. 391237)