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Mathew Kirk

Mortgage Lending Advisor

Mathew is a Mortgage Lending Advisor at Empower Wealth with over 8 years’ experience in the mortgage broking industry. He holds a Certificate IV in Finance and Mortgage Broking, and a Bachelor of Commerce.

Mathew’s fascination with lending stemmed from recognising its pivotal role in long-term wealth creation. This passion flourished as he navigated various roles throughout his career, encompassing the end-to-end mortgage process at both medium and large firms. His experience spans a broad spectrum of lending strategies, from specialist to investment-savvy lending, exposing him to diverse scenarios and circumstances. This journey has fortified his expertise in complex lending structures, strategies, and processes.

Reflecting on his experience, Mathew emphasises the challenge of finding professional and independent advice that incorporates a holistic approach, integrating long-term planning of individual goals, money management practices, and investment strategies. This quest for comprehensive guidance led him to Empower Wealth, a firm closely aligned with his core values.

Outside of work, Mat finds joy in various pursuits, including bike riding, basketball, reading, hiking, and being outdoors.

I cannot recommend Empower Wealth highly enough. From start to finish, the entire process was handled professionally, efficiently, and with outstanding communication throughout. Every question we had was answered quickly and clearly, making what could have been a stressful experience feel smooth and straightforward. Their knowledge, attention to detail, and genuine willingness to help really stood out. Nothing was ever too much trouble, and they consistently went above and beyond to ensure we understood every step of the process and secured the best possible outcome. Easy to work with, reliable, proactive, and incredibly supportive. Empower Wealth truly excelled in every aspect. We are extremely grateful for all their hard work and would confidently recommend them to anyone looking for a mortgage broker

- Nathan S, NSW May 2026

I couldn’t recommend Team Mat (Mat, Caitlyn, Floyd and Kade) more highly for all your brokerage needs. Their communication was exactly what we needed as full-time workers with very limited time. We honestly could not have managed the purchase of our new home, the sale of our old one, and the transition to a new bank for our investment and future loans without this incredible team. They secured us a very competitive interest rate and guided us every step of the way through the process. I especially appreciated having a dedicated contact for each stage — we always knew where we were up to and what was coming next. It made the entire process clear, straightforward, and stress-free. I would work with Empower Wealth again without hesitation.

- Vanessa S, NSW May 2026

I recently worked Mat Kirk's Team to refinance and redraw on my two investment properties, and the entire process was smooth and clearly communicated from start to finish. This was especially important to me as someone without a financial background—I really appreciated the scheduled phone calls where each step was patiently explained, helping me feel confident in the decisions being made. As a single woman (almost 50), I didn’t expect to have these kinds of options available to me. Thanks to their guidance, I have greater flexibility, improved cash flow, and a clearer path forward. The experience has left me feeling optimistic about my financial future.

- Anne K, NSW May 2026

Great mortgage broking services. Matt and the team understood exactly what we needed and provided multiple options. They were very responsive and the process was smooth and straightforward. Highly recommended!

- Charlo I, NSW April 2026

Mat, Floyd and the Empower team provided an excellent service throughout my home buying and settlement process. I was incredibly grateful for their support during what can be (and was for me) a very stressful time. The team were always prompt, responsive and available whenever I had questions. As someone who isn’t particularly financially savvy, I really appreciated the patience they showed in explaining things clearly so I could fully understand each step of the process. They were also very mindful of the fact that I was going through a separation at the time and handled both myself and my ex-partner with professionalism, sensitivity and kindness. Mat in particular was always available for quick phone calls whenever I needed clarification or reassurance, which made a big difference during the process. I’m very grateful for the support provided by Mat, Floyd and the Empower team and would highly recommend their services - there is no other team I would use.

- Lucy C, WA. March 2026

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