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We’re your purple people.


Welcome to
Purple Circle
Financial Services!

Hey, we’re so glad you’re here.
Before we knuckle-down and provide everything you need to run a kick-ass broking business, we’re keen to digitally introduce ourselves. 

We’re a down-to-earth bunch of people driven by relationships, generosity and good old fashioned hard work. We’re serious about business, but never ourselves, enjoy a good laugh, and reckon we’re pretty easy to work with. Keep reading to learn more about our strengths and the expertise Purple Circle Financial Services has to offer.

Greg Pennells Chairman from Purple Circle Financial Services

Greg.

Greg Pennells

Founder and Chairman

As our superstar Chairman, Greg’s not just good with money, he’s great with people. Purple Circle was his “big idea”, and a pretty brilliant one at that. 

With decades of experience (and a few major wins like co-founding Choice Home Loans and Wealth Today), Greg brings wisdom, warmth, and a knack for making big ideas work.

Fun facts

golf tragic
born & raised in South Africa
father of two
guitarist & sketcher
camper & swimmer
Michael HS

Michael.

Michael Stephens

Chief Executive Officer

Greg might’ve dreamt up Purple Circle, but Michael’s the one who makes it all happen. With 20+ years in Financial Services and Property, he’s got a knack for turning ideas into action.

Having run businesses across the globe, Michael brings the perfect mix of strategy, creativity, and cool-headed leadership to keep Purple Circle growing strong.

Fun facts

born & raised in South Africa
family man
sailor
beer enthusiast
Frank Paratore director from Purple Circle Financial Services

Frank.

Frank Paratore

Chief Operations Officer

Frank’s the guy who keeps Purple Circle running like a well-oiled machine. With nearly 30 years in Financial Services, he’s led teams, grown businesses, and mastered the art of getting things done.

Backed by a double major in Marketing and Management plus a Diploma in Finance, Frank blends strategy with smarts to keep our members financially fit.

Fun facts

AFL fanatic
enjoys a nice ribeye steak
malt scotch whiskey fan
Aussie born, Italian made
Naecel Dela Rosa - Purple People

Naecel.

Naecel Dela Rosa

Team Leader/Senior Finance 
& Accounts Officer

Naecel’s the numbers whiz who makes sure everyone gets paid on time, no small feat around here! She handles commissions, accounts, and key stats with precision and calm under pressure.

With years of finance experience, a Master’s degree, and a serious knack for multitasking, Naecel keeps the books balanced and the PCFS engine running smoothly.

Fun facts

nature-lover and loves travelling
loves reading and watching KDramas
BTS Fan

Laura.

Laura Francis

Head of Broker Onboarding

Laura is our onboarding superstar. She is here to make joining Purple Circle feel easy and exciting. After swapping the Gold Coast for Melbourne to chase her passion for finance, she’s built solid experience in financial planning and adviser support.

With her sharp eye for detail and friendly approach, Laura makes sure every new member starts off on the right foot.

Fun facts

Swiftie at heart
will only wake in the morning for coffee
Hamilton island is her happy place
still whines about how cold Melbourne is
(Kif-inti) Maltese heritage and proud

Tahlia.

Tahlia Eren

Marketing &
Communications Manager

Tahlia is the creative force behind Purple Circle’s brand and community. A Diploma accredited Mortgage Broker with a background in marketing and communications, she is great at turning big ideas into genuine connection and understanding what our brokers need. 

Tahlia brings warmth, connection, and a whole lot of heart to everything she does.

Fun facts

loves a spicy margarita
huge animal lover
property obsessed
Karina

Karina.

Karina Namdarian

Broker Support &
Relationship Manager

You’ll probably hear her before you see her.

Karina spent 15 years as a CPA Accountant before an accidental career twist led her into home lending, a 6-month plan that turned into 7 years.

Since then, Karina supported teams through change, system transitions and growth, always focused on making complex things simpler (and more fun).

Fun facts

mad about dogs
loves reading biographies and being a sloth
received horse anti-venom for a spider bite, may neigh occasionally

Isabel.

Isabel Gavan

National Lead –
Broker Recruitment & Growth

With 5 years of recruitment experience specialising in the lending space, a strong track record placing brokers, credit analysts and banking professionals into the right environments.

Leading established broker recruiting, her focus is on helping brokers take the next step while supporting the continued growth of our community.

Fun facts

fur baby parent
craft enthusiast
enjoys pickled delicacies

Enes.

Enes Eren

New to Industry
Recruitment Specialist
Bringing experience supervising operations at a major airport, where precision, and high stakes decision making were critical, before making the move to becoming a mortgage broker. Giving him a strong understanding of the new broker journey.
 
Leading new to industry recruitment, he is passionate about supporting brokers and helping them build confidence from day one.

Fun facts

licensed snake catcher
liverpool & richmond nut
loves a DIY project
Bill Elmer from Purple Circle

Bill.

Bill Elmer

Lead Mentor – Sales Coaching

Bill brings over eight years of finance experience, backed by a Cert IV & Diploma in Finance. A long-time Sydney Hills Chamber member and community board contributor.

As a Purple Pathways mentor, and our highly-experienced dedicated Sales Coach, he guides new brokers with patience, insight, and real-world know-how. With Bill in your corner, you’re learning from someone who truly loves seeing others succeed.

Fun facts

married for over 30 years
raced pigeons in his early years
NRL fan (Go West Tigers)
loves test cricket

Michelle.

Michelle Jarvis

Lead Mentor – Curriculum & Education
Michelle is a mortgage broker and mentor with over 15 years of experience in the industry, and a genuine passion for supporting brokers to grow with confidence and clarity. She loves helping people feel more comfortable in what they’re doing; whether that’s structuring deals, improving their processes, or simply backing themselves a little more.
 
Her approach is practical, supportive, and focused on steady progress over perfection. She works closely with her mentees to build strong foundations, create consistency, and develop skills that will support them long term.

Fun facts

Formula 1 obsessed
Mum to 2 teenagers
I'm a twin
Monica Angel Sebastian from Purple Circle

Monica.

Monica Angel Sebastian

Commissions &
Accounts Officer

Monica is our behind-the-scenes finance superstar, keeping every cent in check. With a strong background in accounting and bookkeeping, she handles payroll, BAS, super, and more with laser-sharp accuracy.

Monica blends financial smarts with big-picture thinking to keep Purple Circle efficient, compliant, and always running at its best.

Fun facts

old soul
minimalist
adventurous
loves listening to music and podcasts

Meriam.

Meriam Sumunod

Compliance File Auditor

Meriam brings over eight years of experience in the finance industry, with expertise across compliance, credit, settlements, and asset finance. As our onboarding and accreditations go-to, she’s the friendly face ensuring everything runs smoothly.

Meriam balances sharp technical skill with a warm, can-do attitude that brightens every day.

Fun facts

an adrenaline junkie
loves art, theatre and music
a marathoner
Katherine Rupac from Purple Circle

Katherine.

Katherine Rupac

Accreditations Officer 

Katherine is our compliance queen, turning paperwork into progress. With over a decade of experience, she’s mastered admin, customer service, and compliance.

Her sharp eye keeps every process compliant and smooth. Passionate about teamwork and professional growth, she brings precision, positivity, and plenty of mortgage know-how to everything she does.

Fun facts

loves a bit of Kdrama
proud mum
professional coffee-drinker

Anke.

Anke Opperman

Marketing & 
Communications Officer

Anke’s career has taken her from classrooms to creative studios, and she brings that same passion for people and storytelling to Purple Circle.

With a decade in education and four years in marketing, she’s mastered the art of making content fun, human, and relatable. A lifelong learner with a BEd and media training from UCT, Anke keeps ideas flowing.

Fun facts

believes pineapple belongs on pizza
choir lead vocalist
loudmouth
lover of life, art and theatre

Daisy.

Daisy Rolle

Onboarding &
Accreditations Officer

A graduate of Mass Communication with 10 years of Australian mortgage operations and financial services. Equipped with strong analytical skills, client communication expertise, and a solid foundation in mortgage processing and financial framework.

Known for delivering accurate results and providing reliable, customer-focused service.

Fun facts

loves anything PINK
hellokitty fanatic
amiable and outspoken

Colleen.

Colleen Cruz

Commissions &
Accounts Officer

Colleen’s love for numbers runs deep. With a degree in Accountancy and hands-on experience working in an audit team, she brings a sharp analytical eye to everything she does.

Thoughtful, curious, and quietly determined, Colleen enjoys uncovering how the details connect behind the scenes, keeping PCFS finances accurate, balanced, and running smoothly.

Fun facts

finds joy in trying new food
always planning the next trip
loves binge-watching series

Hey there,

Meriam.

Meriam Sumunod

Member Support and Administration Officer

Meriam brings over eight years of experience in the finance industry, with expertise across compliance, credit, settlements, and asset finance. As our onboarding and accreditations go-to, she’s the friendly face ensuring everything runs smoothly.

Meriam balances sharp technical skill with a warm, can-do attitude that brightens every day.

Fun facts

an adrenaline junkie
loves art, theatre and music
a marathoner

Wave to,

Colleen.

Colleeen Cruz

Accounting Support Specialist

Colleen’s love for numbers runs deep. With a degree in Accountancy and hands-on experience working in an audit team, she brings a sharp analytical eye to everything she does.

Thoughtful, curious, and quietly determined, Colleen enjoys uncovering how the details connect behind the scenes, keeping PCFS finances accurate, balanced, and running smoothly.

Fun facts

finds joy in trying new food
always planning the next trip
loves binge-watching series
Purple Circle Financial Services

“Having worked with numerous technology and software platforms in the past, I find Salestrekker far superior to anything I have used before."

“It also has great functionality in regard to providing clients with reports and makes the compliance side of things a breeze. I can’t recommend the platform highly enough.”

Jeff Morris

Small and Medium Enterprises (SME) Guarantee Scheme


The Scheme will enhance lenders’ willingness and ability to provide credit and will be available for new loans made by participating lenders until 30 September 2020.

The Government will provide eligible lenders with a guarantee of 50% per cent of new loans. Some generic terms are:

  • Businesses with a turnover of up to $50 million.

  • Maximum total size of loans of $250,000 per borrower.

  • Loans will be up to three years, with an initial six month repayment holiday.

  • Unsecured finance, meaning that borrowers will not have to provide an asset as security for the loan.

Reduced Interest Rates


Consider your current banking arrangements. The Reserve Bank has recently reduce the cash rate and lenders have passed this on to various loans they have.

Instant Asset Write Off


An increase in the instant asset write-off threshold from $30,000 to $150,000 30 June 2020.

Deferment of Loan Repayments for up to 6 Months


The banks are developing their own approach as to how to deal with requests from their clients for repayment holidays. Some are automatically granting the request, others are assessing the requests individually.