Karl has over 20 years experience providing financial advisory services to individuals and companies in Australia and overseas. He has a Diploma of Finance and Mortgage Broking and is a member of the Mortgage and Finance Association of Australia (MFAA).

Karl was previously a Financial Advisory Partner at a Big 4 accounting firm and was the founder of an import & distribution business. He is always focused on providing the highest quality of service and has a passion for assisting his clients to achieve their financial goals.

Reliable, results-oriented and committed to being your trusted advisor.

Karl Baker is a credit representative (543889) of QED Credit Services Pty Ltd (Australian Credit Licence 387856).

Working in a variety of Banking and Finance roles over the past 20 years has provided Nick with the ideal skillset to assist his clients.

With a strong focus on customer service, Nick is well placed to assess your individual finance needs and find the right solution for you.

He holds a Diploma of Finance and Mortgage Broking Management as well as a Bachelor of Commerce from the University of Western Australia.

When not assisting his clients, Nick spends his down time with his young family. He is active in community sport where he enjoys playing social basketball and also amateur footy. He is also heavily involved as a committee member at his footy club – the Osborne Park Saints.

Nick is keen and eager to assist you the next time you need to arrange finance.

Nick Baldwin is a credit representative (546808) of QED Credit Services Pty Ltd (Australian Credit Licence 387856)

Charmain’s journey in the finance industry is a testament to her resilience, passion, and expertise. After moving to Darwin in 1998, she launched her own successful company, which she later sold in 2003. Her drive and entrepreneurial spirit led her to the mortgage industry in 2006, where she quickly established herself as a knowledgeable and dedicated professional.

Charmain brings a unique skill set to the Whiteroom Finance team, blending years of hands-on experience in the mortgage industry with a genuine passion for helping clients achieve their financial goals. Her approach is tailored, insightful, and committed to delivering exceptional service.

Charmain Hughes is a credit representative (560874) of QED Credit Services Pty Ltd (Australian Credit Licence 387856)

Paul is a qualified Accountant and Finance Broker with over 25 years in commercial finance roles. He has held senior finance roles in listed businesses in Australia and overseas.

Paul prides himself on listening to clients to understand their needs. This enables him to structure the solution to suit the client and has resulted in him closing out over $2.5 billion in commercial and residential deals.

Paul is a hard-working family man who is committed to helping families achieve their dream of owning their own home and paying off their mortgage as soon as possible.

Paul Swann is a credit representative (562908) of QED Credit Services Pty Ltd (Australian Credit Licence 387856)

Vicki brings to the team an extensive experience in customer service, finance, and operations management.

As Operations Manager, Vicki ensures the smooth running of the business day-to-day, and supports Chris in the key decision making processes. When required, Vicki will also put on her Broker Support hat to assist and support clients to understand their needs and how Whiteroom Finance can assist them. Her warm and engaging nature makes you feel comfortable and supported in the process.