Tracy Kadlecik
Finance & Mortgage Broker at TK Mortgage Solutions
Finance & Mortgage Broker at TK Mortgage Solutions
Tracy Kadlecik is the founder and principal Mortgage Broker at TK Mortgage Solutions, based in Point Cook. With over 15 years of experience in mortgage brokering, Tracy has built a strong reputation for delivering tailored lending solutions and exceptional client service across Australia.
Tracy is deeply committed to helping clients achieve their property and financial goals. She combines extensive market knowledge with a genuine passion for finding the most suitable loan options from a wide network of lenders. Her clients value her integrity, professionalism, and dedication to ensuring every loan is structured with their long-term success in mind.
Over the years, Tracy has assisted clients nationwide, guiding them through every stage of the lending process — from securing their first home to expanding investment portfolios and managing complex lending scenarios. She takes particular pride in supporting first-home buyers, offering clear guidance through government grant applications and helping them confidently navigate the path to home ownership.
Tracy has helped many clients by
Offering both in-person and virtual consultations, Tracy works with clients across Melbourne, and throughout Australia. Her commitment to accessibility and excellence ensures that every client receives personalised, results-driven service.
When you engage Tracy Kadlecik and TK Mortgage Solutions, you gain more than a Mortgage Broker — you gain a trusted partner dedicated to guiding you toward your property goals with confidence, clarity, and care.
Contact Tracy at tracy@tkmortgagesolutions.com.au or 0499999917
We have been customers of Tracy for over 10 years and found her service to be exceptional each time. The attention to detail and vast knowledge of all aspects of financial lending, make it a pleasure to work with TK Mortgage Solutions. Jono & Simone Brewer
Simone Brewer
Tracy was prompt, kind and honest. I value her advice and look forward to continuing to work with her over the life of my mortgage
Roynae Mayes
Tracy was excellent, very helpful and explained everything so I could understand. Highly recommend and look forward to working with her again soon.
Dale Cameron
Tracy goes above and beyond to ensure that your experience is as stress free as possible.
Shane Boyington
Tracy has been so supportive and helpful with our goals. She is honest and caring, which is a great combination when you're feeling quite vulnerable and nervous about taking on such a big step in your life. I highly recommend her services.
Levi hello
I highly recommend Tracy. We couldn't be happier with the effort she put into our application, her support and the result was fantastic!
Leonie Lemm
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
KADLECIK, TRACY ABN: 21 198 876 741. Credit Representative #376643 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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