About Us

Effie Nicol’s twin passions are people and finance. As a highly experienced and multi-award-winning Mortgage Broker, she is dedicated to helping everyday Australians achieve their financial goals through expert guidance and tailored lending strategies.

Known for her highly personalised and strategic approach, Effie takes the time to understand each client’s unique circumstances and long-term aspirations, delivering thoughtfully structured lending solutions that support confident, well-informed financial decisions. Her commitment to transparency, exceptional service and long-term relationships has established her as a trusted adviser and broker of choice.

Effie’s commitment to excellence has been recognised across the industry. In 2025, she was named National Winner – Mentor of the Year at the Women in Finance Awards. In 2024, she was honoured with the coveted Broker of the Year and Best Customer Service (Individual) awards at The Adviser’s NSW/ACT Better Business Awards.

Through her expertise, professionalism and genuine care for her clients’ success, Effie continues to deliver a premium lending experience built on trust, clarity and outstanding outcomes.

Effie can help with:

• First home buyer loans and government initiatives
• Home and investment property loan advice
• Refinancing and loan restructuring
• Loans for self-employed borrowers
• Self-Managed Super Fund Lending
• Small business loans and commercial finance
• Equipment leasing
• Debt consolidation
• Car finance
• Personal loans

Malcolm Turner joined Yellow Brick Road to be part of a trusted brand and is dedicated to truly understanding each client’s goals. He works tirelessly to deliver financial solutions tailored to their individual needs.

With over 20 years of experience across banking, mortgage and finance, Malcolm brings deep industry expertise and practical insight to every client interaction. He also holds a Diploma in Finance and Mortgage Broking.

Committed to building lifelong relationships, Malcolm provides sound, professional advice and guides his clients through every step of the loan process. His focus is on making the experience simple, clear and stress‑free, ensuring clients feel supported from start to finish.

Malcolm can help with:

• First home buyer loans and government initiatives
• Advice on home and investment property loans
• Refinancing and restructuring
• Loans for self-employed\
• Small business loans and commercial finance
• Self-Managed Super Fund Lending
• Car Finance and Personal Loans

Angela Margaris is a dedicated and customer-focused Mortgage Broker who is committed to helping people achieve their property goals through thoughtful lending strategies and personalised advice.

Angela takes the time to understand each customer’s circumstances, providing clear guidance and tailored solutions for confident, informed decisions. Known for her proactive approach and focus on exceptional service, she simplifies the lending process and delivers practical, competitive finance options. Whether helping first home buyers, guiding customers to their next home, refinancing existing loans or supporting investors to grow their property portfolio, Angela ensures every solution is designed to meet their goals and set them up for long-term success.

Angela can help with:

• First home buyer loans and government initiatives
• Buying your next home
• Refinancing and loan reviews
• Property investment loans
• Debt consolidation
• Car finance
• Personal loans