Quinto White is the visionary founder of Q Financial, a company dedicated to providing specialised lending solutions for everyday heroes in the Health and Education sectors. His journey into the financial world is as inspiring as it is relatable.
Quinto believes that life is meant to be enjoyed to the fullest. His philosophy is simple: smile, laugh, and extract the most joy out of every moment. He understands that having more financial options can enhance this happiness, allowing people to indulge in pleasures now and secure their future dreams.
Quinto’s professional journey began as a Geotechnical Consultant in the mining industry. The lucrative income from this sector gave him a taste of the lifestyle benefits that come with financial stability. However, he soon realised that his financial security was tied to external factors beyond his control. This realisation fuelled his quest for financial independence, leading him to invest hundreds of hours and thousands of dollars into understanding assets, investments, and income types.
His commitment to learning and personal growth paid off, and he developed a robust financial plan. However, the journey to financial freedom also introduced him to the complexities of the lending market. Recognising a gap in the market for better lending options, Quinto founded Q Financial.
Founder of Q Financial, Awesome Husband (self-proclaimed) and super mega proud father
Financial broker’s license – CRN: 472 681
ABN – 78 603 989 662
Member – Mortgage & Finance Association Australia
Owner: Surf Board, Skate Board, BMX, Dirt Bike, Vintage Motorcycle & a Pair of Batman High-top Cons.
Quinto’s approach to financial services is highly personalised. His clients, such as Brett Piper and Darcy Nielsen, have praised him for his ability to make complex processes smooth and for his exceptional customer service. He has helped clients with everything from investment property purchases to personal loans, credit card arrangements, and refinancing home loans.
Q Financial’s commitment extends beyond individual financial goals. Under Quinto’s leadership, the company embraces ethical lending practices and actively offsets its carbon emissions, striving to make a positive impact on the planet. This dedication to ethical practices ensures that clients not only achieve their financial dreams but do so in a way that supports a sustainable future.
With ten years of experience, Quinto has built a reputation for integrity and excellence in the financial services community. As a member of the Mortgage & Finance Association of Australia (MFAA), he stays informed about the latest lending trends and regulations, ensuring that his clients receive the best advice and solutions tailored to their needs.
I was a happy kid with a happy childhood. My folks weren’t what you would consider “rich” – but we were never short of a smile on our face growing up. All in all, I think I was a regular, happy, optimistic kid, I played lots of sports, spent lots of time outside and at the beach, all good.
Like many people, I came out of school, and entered the workforce (as a Geotechnical Consultant). This was great, and like many in our generation I ended up working in the mining industry. Getting a taste of the money on offer in that area gave me a taste of the lifestyle benefit to be had with that kind of income – I loved it! I experienced even more enjoyment that I had when I was younger and it was great – but it also led me to a conundrum – the money coming in from my mining employer was reliant on the employer. And this was reliant on a bunch of larger external factors, including the economies of other countries. All of which was out of my control and could change anytime.
I knew I wanted to keep the lifestyle I was enjoying, but I wanted to learn how to make this happen for myself, without relying on anyone. That’s when I started studying financial freedom.
I spent hundreds of hours and thousands of dollars, learned from the best and from those who’d done it in the past, and gathered together what I needed to know. Assets, investments, income types, I had my plan. I needed funding to make the dream happen – and this is when I came across my first experience with the world of lending. I saw what was on offer in the market – and I knew there had to be a better way.
The first reason (and most important) is my big why. I believe that life should be fun. I believe that we are here to smile, laugh, and feel amazing as often as we can – and squeeze the most awesomeness out of every minute we have here. I literally see no reason why this should not be the case, and I intend to live this example till I leave this planet.
I also believe (and know from personal experience) that achieving financial freedom on your terms is a way to increase the level of fun and enjoyment in our lives. Whether it’s toys for pleasure now, to travel and see the world or the good feelings of security with long term assets that increase wealth – it’s all good, and it all contributes to creating more joy in the now, and fulfilment of dreams in the future.
The second reason is the very clear need I saw to make the whole process easier, quicker, and more enjoyable than what was currently out there. Frankly, I knew there was a better way than either wasting time online with quick-fix solutions that aren’t – or going through the meat grinder of the corporate broking system.
The third reason is my personality. I just love helping and working with people – especially Gen Y people – on a personal level. I love the personal interaction, I love the meetings & exploring the options together – I love the whole process. Maybe due to my childhood, maybe it’s just in my DNA – but I have a naturally friendly, easy going manner – I love hanging out with cool people, developing ongoing lasting relationships – and helping them to achieve their financial (and personal) dreams. I love it.
Mortgage Broker
Founder of Q Financial, and Mortgage Broker, Quinto White has helped clients achieve their financial dreams for more than 8 years. Quinto is a trusted mortgage broker who is known for his integrity and commitment to providing excellent customer service. A member of the Mortgage & Finance Association of Australia (MFAA), Quinto is a highly respected member of the financial services community and has been recognised for his outstanding work on numerous occasions.
Quinto has extensive experience across a range of lending solutions and home loan finance options, including first home loans, refinances, investment loans, and commercial loans. He is knowledgeable about the latest lending trends and regulations and has strong relationships with a wide range of lenders. Quinto is committed to providing personalised service and attention to detail, and he is always available to answer his clients’ questions.
Lending Manager
0422 177 848
michael@q-financial.com.au
With significant expertise accumulated over five years working directly as a mortgage broker, I am intimately familiar with lending policies, and will conduct the appropriate research to provide you options that meet your needs and objectives.
Based on the lender you select, I will then package and submit your
application according to their requirements so it’s easier for them to say yes.
From there, we will manage every step of the process to get your application approved in a timely manner.
I understand how important communication is for clients, which is why we will also keep you in the loop throughout the process so you understand the status of your application at all times.
Should you have any questions about loan features. Moreover, you can rely on us to take great pride in getting you the all important approval and providing you a professional and seamless customer experience to make the process as smooth as possible.
Loan Administrator
Support@q-financial.com.au
As the loan administrator for Q-Financial, I support Quinto, Michael and yourself to ensure the loan application process goes as smoothly as possible.
Having lodged and coordinated the settlement of more than 250 home loans, I bring specialist skills in broker administration, compliance and “back end” broker systems to get things done right the first-time round.
Once lodged, I will be there for you throughout the settlement process. I will correspond with solicitors and lenders to ensure your settlement is booked in the appropriate time frame and facilitated as expected so things go as planned with no surprises.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them
