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Facto Financial Group


We pride ourselves on our expertise,
dedication, and personalised approach.

Raphael Reis
Managing Director
Senior Mortgage and Finance Broker | CRN 507469

Starting from his humble beginnings, assisting Australians in achieving their financial goals, Rapha identified a critical need for a financial and mortgage brokerage that would truly prioritize clients over industry jargon. In response to this need, he established Facto Financial Group in 2018 following his unwavering commitment to educating all his clients and empowering them to make informed decisions throughout their financial journey.

Originally from Brazil, Rapha arrived in Australia on holiday in 2008, instantly falling in love with its vibrant culture and making it his permanent home. Since then, working in the finance industry Rapha earned a track record of excellence, receiving recognition and awards for his outstanding contributions to the industry.

Monik Santos
Broker Support / Client Services

Monik thrives to offer the best customer service from loan submission to settlement. She is also the point of contact for any post settlement enquires.

Monik has an extensive Human Resources and Business Management experience and that made her super resilient and taught her a lot about how to keep things under control at all times.

Monik works very hard to achieve clients’ goals and deliver a smooth and an stress-free finance experience.

Chris Morris
Senior Finance Broker

Starting in financial services back in 2000, initially as a mortgage broker within investment property firms. Chris progressively moved into management leading teams of brokers and processing staff in highly successful companies. In 2005, Chris became qualified as a financial adviser and was practicing in this role alongside being a broker up until 2021 when he sold his business to focus on his finance clients. Chris really enjoys adding value to his client relationships by bringing his planning background into the finance process by offering ideas and considerations to ensure every decision is an educated one.

Over the years Chris has become well experienced in all forms of finance and has specialised in helping clients with property investment, self managed super fund lending, business and commercial lending, car and asset lending and has assisted hundreds of clients refinance and buy their homes. A large number of Chris’s clients have been with him for over 10 years based on the guidance and honest support given to them over the years.

Krishna Strickland
Mortgage Broker

Krishna Strickland is a senior mortgage and finance broker with a passion for providing her clients with the best possible service to ensure their journey through the often complicated world of finance, is as seamless and easy as possible.

Having been brought up in the hospitality industry (with a marketing degree and accredited as a professional life coach), providing exceptional customer service and having high morals are at the forefront of her offerings. She has been a home owner, an investor and business owner, all of which allows her to relate not only on a personal level with her clients, but from a finance perspective as well.

Whether her clients are looking to buy their first home, refinance, renovate, invest or require a business or asset (car, caravan etc) loan, she is able to work with them to obtain a solution to suit their needs and requirements.

With access to over 45 of Australia’s leading lenders and over 1450 commercial and residential mortgage finance products, Krishna’s clients can rest assured that she will source the right loan for their circumstances.

Bianca Gonzalez
Mortgage Broker

Bianca Gonzalez is our dedicated Mortgage Broker with a wealth of experience in customer service and exceptional ability to understand our client’s needs. With her expertise in the finance industry and the guidance of her mentor, Raphael Reis, she plays a pivotal role in guiding our clients through the complexities of home financing.

Bianca is committed to ensuring that every client receives personalized attention and tailored solutions. Her passion for customer satisfaction is reflected in her ability to find the most suitable mortgage options, making the home buying process smoother and more efficient.

Being born in Brazil and calling Australia home for 16 years one of her passions is to help everyone to achieve their dream of house ownership in a friendly but informative environment.

Adriano Bertotti
Insurance Manager

Adriano is an accomplished Insurance Manager with over 12 years of experience in Sales and Marketing. He holds a Bachelor’s in Business Administration, a Post-graduation degree in People Management and an MBA in International Strategic Management.

Adriano is all about fresh ideas and innovative ways of planning a good future, especially when it comes to Insurance solutions. He’s passionate about growing and building meaningful relationships with people. Adriano is a valuable member of the Facto family, dedicated to ensuring we care and provide the best insurance solutions to our clients.