Meet Bridget.

Benefit From Market Leading Expertise And Trusted Advice.

Bridget Bowman

Bridget Bowman.

Senior Mortgage Specialist.
2024 SFG Best Administrator - FINALIST
2024 SFG Best Administrator - FINALIST
Bridget is our Senior Mortgage Broker covering the Australian and Middle East Regions. Recently, Bridget was recognised as a WA Broker of the Year Finalist at the Specialist Finance Group Awards 2022. Bridget graduated from Deakin University with a Bachelor of Law and has completed her Diploma of Financial Services. As a Licensed Australian Mortgage Broker, Bridget is an expert at arranging and renegotiating finance for Australian residents, expatriates, foreign investors and intended migrants seeking to purchase Australian property. Bridget commenced her career as a Mortgage Broker at Specialist Mortgage in 2009 in our UK office. She achieved outstanding results and within 3 years was promoted to Senior Mortgage Broker in Dubai. Having relocated to Melbourne, she now manages the Finance Division for both the Australian and Middle East Regions. Bridget has a wealth of experience and expertise in both resident and non-resident lending. Bridget is focused on understanding her client’s individual circumstances and goals and is passionate about delivering the best finance options possible. Her focus on creating long term relationships has resulted in outstanding client referrals.

Testimonials.

Jian

Bridget and Fanny were efficient, excellent at communication and found us a competitive product that met our requirements. They walked us through each step of the process, making our mortgage application go as smoothly
as possible. Thank you!

July 2, 2025 VIC

Geoffrey T.

Great assistance from Bridget and Gino with mortgage preparation and processing.

September 7, 2025 Germany

T. Nick

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

July 18, 2019 Dubai & AU

A. Smithson

Bridget & Gino are a winning combination. They provided great service, were highly responsive and most importantly were able to get the job done.

December 4, 2025 Dubai

D. Whyte

Bridget and Gino at Specialist Mortgage have been fantastic to deal with these past three months. Highly recommended and exceptional communication throughout.

August 22, 2024 Dubai

Tim B.

We are expats living in Dubai and have found it hard to find lenders to cater for our situation. That’s until we found Bridget & Fanny from SMATS. Not only are they knowledgeable but their response time is very fast and they always explain everything thoroughly. I would highly recommend them to anyone.

July 30, 2025 Dubai

Bruce Harrison

A big thank you to Bridget and Gino. Getting back into the very difficult Australian real estate market would not have been possible without their support.

October 17, 2024 France

Johanna D.

Bridget Bowman recently helped me lower the interest rate on my variable rate mortgage in Australia. The result was an over $100 reduction per month! As an existing customer with an ongoing relationship with SMATS, all it took was one email to Bridget and she was on the case, about 7 days later she sends me an email with the good news.

July 9, 2021 Dubai

S. Lee

Bridget has helped us get our loan sorted both while we were living overseas and now that we are back in Australia. Her team is professional, efficient, knowledgeable and able to get things done when others have said no. I highly recommend their service.

January 29, 2026 AUS

Johanna D.

There was no gain for SMATS in doing this, Bridget just wanted to do what is best for their customer, and we are so grateful for their help and support over the years. I would 100% recommend SMATS for their excellent service offering and customer service, always putting their customers first.

July 9, 2021 Dubai

Johanna D.

Mick, Bridget and the team all stand out for continued excellent customer service.

June 2, 2022 UAE

T. Nick

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

March 31, 2026 Dubai & AU

V. Allard

Fantastic service from Bridget at Specialist Mortgage. She guided us through our complex situation and secured a competitive mortgage, enabling us to purchase our first home in Australia while still living in the UK. We highly recommend her services!

July 8, 2026 UK

David & Rhian

Through Bridget Bowman we were able to structure our home loan in order to secure a second property. Bridget was excellent in her service and advice rapidly securing loan approvals.

March 12, 2020 UK

Shiree M.

Bridget was instrumental in securing us our forever home as Expats. Communication was excellent, answers prompt, feedback was incredible.

October 20, 2021 Saudi Arabia

Michael H.

Bridget & Gino were super helpful during the process of purchasing an investment unit. Their communication & response time were above & beyond. Thank you

June 12, 2025 Queensland

S. Cosgrave

Bridget’s knowledge and experience in the refinancing and lending field was second to none. Utilising the best expat packages available she has saved me thousands of dollars per month with the refinancing and lending options she provided.

May 17, 2024 Victoria

Elisabeth

Thank you to Bridget, Fanny and the SMATS team for helping us secure the loan for our dream home They clearly know what they are doing and are well versed in every stage of the process. We just provided information, they took care of the rest. I definitely recommend SMATS for expats wanting a mortgage in Australia.

December 19, 2019 UAE

L. Sabumei

Highly recommend Specialist Mortgage if you’re looking at buying a property in Australia as an Australian expat living overseas. Bridget and Fanny were very professional and helpful in facilitating our financing of properties purchased in Brisbane.

April 27, 2025 Dubai

A. Bereza

Both Bridget and Fanny are incredibly hard workers and generate value for their clients. They achieved the given deadlines and always strive to enhance their service.
I would highly recommend them.

March 22, 2024 Dubai

Johanna D.

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

August 11, 2021 Dubai & AU

Tim & Diana

Bridget & Fanny are really specialists in their field, and they have a good knowledge of the expat situation. We used their service whilst living in Qatar and UAE and they were able to understand and cater for our unique situation at every step.

August 4, 2025 Qatar

A. Campbell

Bridget and Gino were fantastic to deal with in my latest investment in Western Australia. They are consistently communicative, professional, and genuinely helpful throughout what can often be a complex and stressful process.

October 8, 2025 Dubai

Tarek

Bridget made sure that I had the best rate and promptly provided me with clear answers for all my questions. She supported me through every single step in a professional and efficient manner.

January 17, 2019 UAE

I. Bayeh

Bridget made it easy for me to choose a bank and she arranged special finance packages, pre-approval and final loan approval.

February 12, 2021 Bahrain

G. Waddell

We highly recommend Specialist Mortgage, especially Bridget for helping us secure our dream property. Bridget supported us with patience and wisdom, timely responses to questions, and we felt we had the perfect partner to navigate us through the process.

March 30, 2026 UAE

P. Jones

We cannot thank Specialist Mortgage and Bridget enough for all their support in our most recent property purchase. They managed everything for us and we were able to do everything needed from right here in the UAE. We will 100% use their services again!

May 15, 2025 UAE

E. Meffen

Once again, Bridget & Gino were fantastic at getting us the best mortgage for our situation. Thank you, highly recommend Specialist Mortgage.

September 14, 2024 Queensland

Alex

Bridget’s tireless work to finally find a lender for me with competitive terms was exceptional.

May 14, 2020 Doha, Qatar

Aaron F.

Bridget and Gino helped our family secure a competitive loan with minimal stress and clear communication every step of the way. They took the time to understand our needs, explained all our options thoroughly, and made the entire process smooth from start to finish. We couldn’t be happier with the service and would highly recommend them to anyone looking for expert mortgage advice.

June 28, 2025 Dubai

MIC S.W

The Specialist Mortgage team provided continual professional care and attention as we worked through some of the challenges faced when remotely purchasing and financing property investments in Australia.

April 10, 2026 USA

Fabian Longin

In the end, I went with a non-bank lender Specialist Mortgage recommended—and it’s been a great experience so far.

September 22, 2026 UK

A. Wild

EXCEPTIONAL customer service from the Specialist Mortgage team. My housing loan process in Australia was so smooth.

April 4, 2026 China

J. Singer

As I was purchasing a property from overseas, prompt communication and attention to detail were essential, and they exceeded my expectations at every step. No question was ever too much trouble, and they kept me informed throughout the entire process.

July 1, 2026 DOHA

W. Loannidis

Great customer service and always available to clarify and respond.

June 2, 2025 Abu Dhabi

J. Hughes

We decided to return to Australia from Dubai and needed sound tax and financial advice. We approached the Specialist Mortgage team and they came up with realistic solutions to purchase a property back in Australia. It did not take long to get loan approval and we were able to buy in a subdivision.

April 11, 2024 Australia

Corey

We would definitely recommend the Specialist Mortgage team to anyone needing a mortgage broker who knows the ins and outs of borrowing.

April 16, 2026 Portugal

B. Hastings

A professional service from start to finish.

November 26, 2025 Dubai

James

During the Covid-19 pandemic our purchase and settlement process was handled remotely via phone and emails, Helen and Fanny were very responsive to our questions, the process and acquisition of all the paperwork was very clear.

November 19, 2021 Singapore

I. McClelland

I couldn’t be happier with the advice provided or the outcome achieved. Very good working with foreign clients, brilliant communication throughout. Highly recommend.

March 13, 2026 UK

Mic S.W.

Specialist Mortgage provided continual professional care and attention as we worked through some of the challenges faced when remotely purchasing and financing property investments in Australia.

December 4, 2019 USA

J. Hoyer

Excellent service from start to finish. The team was attentive, communicative and always helpful with my queries. Highly recommended.

February 10, 2026 NSW

Jamie

My experience with the Specialist Mortgage team was fantastic; they are extremely knowledgeable. The Specialist Mortgage team pointed out important factors in my settlement, which led me to save a lot of money.

I highly recommend Specialist Mortgage, and I will be using their services again.

April 1, 2026

M. Hartsuyker

Impeccable service end to end. The team managed the process from initial enquiry right through to settlement to the highest quality.

January 28, 2026 UAE

A. Campbell

I was extremely pleased with the outcome and look forward to continuing the relationship with Specialist Mortgage.

October 8, 2025 UK

Corey

Working with Specialist Mortgage has been nothing short of a pleasure. They went above and beyond what was expected of a mortgage broker.

April 16, 2026 Portugal

J. Hoyer

I wouldn’t hesitate to use them again for future loan needs and have already recommended them to friends and family.

February 10, 2026 NSW

M. Buswell

Thank you for all the behind the scenes work you did to get us where we are today. It was a long process, but we got there in the end.

June 14, 2025 UK

Bruce Harrison

Highly recommend Specialist Mortgage and their hard working team. They were very professional and supportive, and persevered to prepare preapprovals and finalise finance over what was a very long and complex (French renumeration structure) and ultimately successful house search.

October 17, 2024 France

J. Singer

It was an absolute pleasure dealing with Helen and Rina, and I wouldn’t hesitate to recommend them to anyone looking for knowledgeable, reliable, and genuinely supportive mortgage brokers. Thank you both for your exceptional service!

Doha

J. Thomson

We recently purchased our first investment property with the help of Specialist Mortgage, and the experience was fantastic.

April 24, 2026 UK

M. Hartsuyker

As a working expat living abroad and in a time zone that makes it difficult to deal with Australia, I found the team to be extremely knowledgeable, responsive, and helpful.

February 27, 2026 UAE

A. Campbell

Over the past 10 years, Specialist Mortgage has supported me in securing finance for several of my property investments. They’ve made the process seamless, even while I was living overseas in Dubai and London.

October 8, 2025 Dubai

D. Gill

Carolyn & Michelle assisted us with a rather complicated mortgage and refinance application, while we were living abroad. We felt fully supported throughout the process, saving us a lot of stress. We strongly recommend them!

February 6, 2026 Taiwan

Fabian Longin

From the first Zoom call with Grace Neo, I knew I was in expert hands. Grace, Michelle, and Katherine were fast, diligent, and always clear. A truly professional team.

September 22, 2026 UK

M. Buswell

We appreciate your hard work and complex understanding of our situation. We will definitely recommend you to our friends and family.

June 14, 2025 UK

Dom

We’ve been using Specialist Mortgage for mortgage approvals and renewals for the past 2.5 years and they have dealt with my endless questions very quickly, professionally and tirelessly which is super impressive.

September 17, 2019 Singapore

A. Wild

EXCEPTIONAL customer service from Specialist Mortgage.

My housing loan process in Australia was so smooth.

March 17, 2021 China

Doug

Thank you to the Specialist Mortgage team for arranging finance for my new Australian property. Not an easy task given my China working location and a tightening banking environment for foreign-based workers.

April 2, 2026 Shanghai

R. Whitfield

If you are an Australian and need a mortgage broker – someone who knows how to navigate this tricky area, then Specialist Mortgage will take wonderful care of you. They helped me purchase an investment property while abroad, and their level of service and attention to details were second to none.

May 9, 2025 Shanghai

S. Braniff

Fantastic support throughout the purchasing process.

May 14, 2025 Switzerland

Matt H.

I used the Specialist Mortgage broking team to secure lending in Australia at a time when Australian banks were imposing tight controls on expat lending.

The team were impressively responsive and helpful throughout the whole process and able to secure me a great outcome. I would highly recommend using their services.

August 18, 2022 Brisbane

W. Beattie

I would highly recommend this service to any expats thinking of returning. My advice would be to start the process as early as possible.

January 17, 2024 Queensland

J. Hughes

A sincere thank you to the Specialist Mortgage team for your dedication, professionalism, and getting me across the line. I honestly thought I’d have to sell my Sydney property before I found you.

September 24, 2025 Australia

Shiree M.

Specialist Mortgage/SMATS was recommended to us by other expats and we are very glad we took the advice. Highly recommend to all.

October 20, 2021 Saudi Arabia

S. Gunaratna

Your expertise and dedication have made a significant difference, and we are incredibly grateful for your support throughout the refinancing process. Thank you once again for your exceptional service. A very happy customer!

March 12, 2025 Queensland

P. Callow

The help that we received from Specialist Mortgage services was superb. Their guidance and support was spot on through the entire process. I have no hesitation in recommending them very highly.

January 19, 2024 Dubai

Fabian Longin

Don’t waste your time and look no further than Specialist Mortgage! They made the impossible possible for me as an Aussie expat trying to secure a mortgage back home.

September 22, 2025 UK

Doug

Thank you to the SMATS team for arranging finance for my new Australian property. Not an easy task given my China working location and a tightening banking environment for foreign based workers.

June 14, 2018 Shanghai

Joseph P.

We recently used Specialist Mortgage again to obtain home loan finance and received the same high level of fast, efficient and reliable service as previously experienced. Great service and great communicators. Highly recommended for finance services.

June 11, 2025 Dubai

C. Tuimaka

We used Specialist Mortgage for several investment house loans as expats. They were easy to work with, responded promptly and made it a stress-free process.

March 18, 2021 Victoria

Tim & Diana

What we appreciated the most is the response time and continuous support throughout the process of pre-approval all the way up to settlement. They are great professionals that explain everything thoroughly. We really trust them to help build our portfolio. Highly recommended to anyone!

August 4, 2025 Qatar

M. Hartsuyker

Impeccable service end to end. As a working expat living abroad in a time zone that makes it difficult to deal with in Australia, I found the team to be extremely knowledgeable, responsive, and helpful. They managed the process from initial enquiry right through to settlement to the highest quality.

January 28, 2026 UAE

Jamie

My experience with Specialist Mortgage was fantastic, they are extremely knowledgeable.
They pointed out important factors in my settlement which lead me to saving a lot of money.
I highly recommend Specialist Mortgage and I will be using their services again.

August 10, 2022 Australia

Fabian Longin

The application process was straightforward, the guidance was clear, and the support never wavered. It was such a relief after so many false starts.

September 22, 2025 UK

P. Jones

As an Australian citizen, Australian Non Tax Resident and UAE resident, finding a home loan can be challenging and a daunting task. On two separate occasions we have used the Specialist Mortgage team to secure a loan and have found them to be extremely professional, responsive, knowledgeable and have a true partnership approach.

May 7, 2025 UAE

S. Gunaratna

Thank you for the outstanding job you did in refinancing our home loans. Your team truly understood our home loan requirements and provided us with specialist advice that not only met our current needs but also allowed us to plan for future growth.

March 12, 2025 Queensland

J. Thomson

We’ll definitely be using Specialist Mortgage again in the future and would highly recommend them to anyone looking for expert advice and a smooth property investment journey.

April 24, 2026 UK

Fabian Longin

As an Aussie expat living in London, I struggled with six other brokers before finding Specialist Mortgage. They were the only ones who got it done.

September 22, 2025 UK

Awards and accolades.

  • 2022 Top 50 Loan Writers Nationally – Specialist Finance Group Awards
  • 2022 – WA Broker of the Year Finalist – Specialist Finance Group Awards
Specialist Finance Group 2016 International Broker of the Year
Specialist Finance Group 2016 International Brokerage of the Year
Specialist Finance Group 2017 International Broker of the Year
Specialist Finance Group 2017 International Brokerage of the Year
Specialist Finance Group 2018 International Broker of the Year
Specialist Finance Group 2018 International Brokerage of the Year
Specialist Finance Group 2019 International Broker of the Year
Specialist Finance Group 2019 International Brokerage of the Year
MPA 2021 Top 100 Broker
Specialist Finance Group 2021 National Residential Broker of the year Winner
Specialist Finance Group 2021 WA Broker of the year Winner
Specialist Finance Group 2021 WA Brokerage of the year Finalist
SFG’s No24 in the Top 50 Loan Writers for the 2021/2022 Financial Year
The Adviser Australian Broking Awards 2022 Finance Broker of the Year Finalist
The Adviser Australian Broking Awards 2022 Residential Broker of the Year Finalist
MFAA 2022 - Finance Broker Business Award - State Finalist
MFAA 2022 - Residential Finance Broker Award - National Winner
MFAA 2022 - Residential Finance Broker Award - State Winner
Specialist Finance Group 2022 Finalist - WA Broker of the Year
Specialist Finance Group 2022 Winner - WA Broker of the Year
Specialist Finance Group 2022 Finalist - WA Brokerage of the Year
The Adviser Better Business Awards Finalist 2022 - WA Best Residential Broker
Women in Finance Awards 2022 Finalist - Mortgage Broker of the Year
The Adviser Better Business Awards Winner 2023 - WA Best Customer Service (Individual)
The Adviser Better Business Awards Finalist 2023 - WA Best Customer Service (Office)
2023 MFAA - Customer Service Individual Award - State Finalist
2023 MFAA - Finance Broker Business Award - State Winner
2023 MFAA - Finance Broker Business Award - National Finalist
2023 SFG National Residential Broker Of The Year Finalist
2023 SFG WA Brokerage Of The Year Finalist
2023 SFG WA Broker Of The Year Finalist
2023 SFG Group Excellence Award Finalist
2023-MPA-EliteWomen2023
2023_WIFA_Mortgage-Broker-of-the-Year_Finalist
2023 AMA Resimac Brokerage Of The Year (6-20 Staff)
2023 AMA Broker Of The Year Specialist Lending - Helen Avis
2023 SFG WA Broker Of The Year Winner
The Advisor Better Business Awards 2024 - Best Finance Broker Winner
2024 MFAA Residential Finance Broker - State Winner
2024 TABBA Residential Broker of the Year - Finalist
2024 AMA Brokerage Of The Year - Diversification
2024 AMA Brokerage Of The Year - Diversification
2024 SFG WA/NT Brokerage Of The Year Finalist
2024 SFG National Brokerage Of The Year (Volume Based) Finalist
2024 Mortgage Broker of the Year Finalist – Helen Avis
2024 SFG Mentor Of The Year - FINALIST
2024 SFG Best Administrator - FINALIST
2024 SFG WA-NT Broker Of The Year WINNER
2025 MFAA Finance Broker Business Award - State Finalist
2025 MFAA Residential Finance Broker Award - State Finalist
2025 MFAA Diversified Business Award - State Finalist
2025 SFG - WA & NT Brokerage Of The Year Finalist
2025 AMA Winner - Broker of the Year - Specialist Lending
2025 AMA - Excellence Awardee - Liberty Brokerage of the Year - Diversification
2025 SFG - WA-NT Broker Of The Year Winner
2025 SFG - Hall of Fame Winner
SFG’s No8 in the Top 50 Loan Writers for the 2024/2025 Financial Year
The Adviser Better Business Awards 2026 - Best Customer Service (Office)
The Adviser Better Business Awards 2026 - Best Customer Service (Individual)
2026 MFAA Customer Service Business Award State Finalist

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