Professional mortgage brokers ready to help you

Albury Wodonga Home Loans is a Finance Brokerage, owned and operated by Joel Franks. Joel has worked in the Financial Services industry, in and around, the Riverina since 2002, and is extremely excited to be launching this business, right here on The Border!

AWHL is founded on Joel’s motivation to want to help the Albury Wodonga Region continue to grow. Both in ‘footprint’, and economically. Through AWHL providing finance to local property transactions and to local businesses. To allow more Border Local’s provide their family their own home, and potentially also a better Financial Future for their children.

AWHL is also passionate about growing knowledge and financial literacy as we share the journey with our clients, as you will read in Joel’s Bio, he is very motivated by helping people grow their own individual knowledge of finance and helping them towards achieving whatever they set as their own basic financial goals.

At Albury Wodonga Home Loans we are about assisting you to “Pave The Way” to your basic financial goals. Through planning, coaching, literacy, action, motivation and ultimately providing finance.

Joel is equipped with the specialist knowledge, support experts, technology and financial products to share this journey with you to your goals.

At Albury Wodonga Home Loans we listen intently, we don’t assume. The experience is personalised, the experience is responsive and we take ownership. How you feel throughout our experience is what is most important. We involve you and educate you with everything we do, as being involved and included equips you with the understanding and education you need, to know where your headed.

The journeys together as a client of AWHL. Here we believe that banking and finance should be based on a valued relationship, which is built on understanding your goals, objectives and dreams. Its about “paving the way’ towards these goals, and as a Finance Broker its about staying the journey with you, through all conditions and all circumstances.

With the right planning, most things are possible, but an important part of the finance journey is feeling comfortable, suited, protected and responsible in your steps towards your goals.

A quote we live by is “when we live inside our purpose, our path is smooth” because at Albury Wodonga Home Loans we will always be practical with the realities of your financial resources, especially with whats suitable and attainable.

Contact us today via our website, mobile or email.


Joel Franks
Finance Broker

M: 0422 243 331
E: joelsebastianfranks77@gmail.com


Joel Franks is a highly experienced Finance professional, spending the majority of the past 18 years working in two of Australia’s largest banks, in Senior Management and Finance roles.

Joel’s a Riverina Local, having grown up in Young, and also studying/residing in Wagga Wagga for a decade. He now calls Albury Wodonga home, living just South of Wodonga with his own family. Joel has been part of the Albury Wodonga business community for the past 10 years, as a Bank Manager and a Finance Manager.

In various roles Joel has dealt with a great deal of customer experiences and is looking forward to applying his passion towards helping people in his own style. Joel also has a background in educating, facilitating and coaching banking related subjects, and believes strongly in our National need to grow Financial Literacy.

As a Broker in the current financial environment post our National Banking Enquiry. Joel is serious, passionate and dedicated to delivering quality customer outcomes, holding customers Best Interests at the centre of everything he does. A business model he has built on trust, care, respect and being with clients on the financial journey through all conditions and circumstances.

A business model that is Responsible and constantly focuses on Suitability and Understanding of clients making informed and protected decisions about Finance.

Whilst Joel is happy to try and tackle any Lending propositions, whether they be Personal Loans, Home Loans, Business Loans or any other Finance need. Joel is also seeking to build a quality customer base through assisting clients understand their current financial situations, in a way that allows them to “Pave The Way” towards their true financial goals.

Joel’s passion for helping clients, so they can improve the finance aspect of their life, will centre around working hard with clients not yet ready to achieve lending related goals. It’s about building real personal budget plans, helping to coach and change money decisions, in a positive way. To allow basic financial goals to be set and worked towards, and giving clients the knowledge and financial literacy to fully understand their own financial outlook, to control financial progression, and ultimately to have awesome experiences with lending, that are centred around protection, responsibility and suitability.

Overall Joel see’s Albury Wodonga Home Loans as his opportunity to help and grow Locals financially, to ultimately help and grow Albury Wodonga,

Get in touch with us today!