Meet Gino Lugto.

Benefit from extensive residential finance knowledge.

Gino Lugto

Gino Lugto.

Senior Finance Executive

2024 SFG Best Administrator - FINALIST

Gino is an integral member of the Specialist Mortgage team with more than 8 years of experience in the Finance industry. Holding a bachelor’s degree and a Certificate IV in Finance and Mortgage Broking, clients benefit from his extensive residential finance knowledge.

Gino’s strengths lie in his diligence and commitment to achieving client outcomes and ensuring smooth and transparent communication throughout the process. He has demonstrated skills in attention to detail, working under pressure and responding quickly. He works hard to ensure clients experience a stress-free loan application journey and is always ready to attend to any concerns that may arise.

Gino focuses on making sure clients feel supported throughout the life of their mortgage and as such as formed many lasting relationships.

Testimonials.

S. Poole

I refinanced and obtained a new, appropriately sized loan within weeks, while living in India. Carolyn and Gino were prompt, thorough, and professional. Excellent job by an outstanding team.

April 28, 2026 India

B. Layton

Thanks to Helen and Gino for helping us refinance our investment property and get a construction loan for our new build. We had no luck with our primary bank (despite their best efforts). Specialist Mortgage were able to work with us on different options, and manage my ever changing pay structure, to get us over the line.

April 17, 2025 Queensland

L. Rosoux

Grace and Gino were amazing! They were able to answer all my questions and so accommodating when I requested to have calls or meetings. It took me a bit longer then I thought to purchase my property, but they were with me every step of the way. I look forward to working with them in the future.

April 4, 2024 NSW

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

J. Liew

Thank you to Grace Neo and Gino Lugto from Specialist Mortgage for all their help with our loan application. I highly recommend them to Aussie expats or anyone with foreign income wanting to buy property in Australia.

January 30, 2026 Italy

P. Broadhurst

Great support from Helen and Gino throughout the process of buying my first home. I would be comfortable recommending them to anyone.

May 10, 2024 United Kingdom

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

Geoffrey T.

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

September 7, 2025 Germany

A. Robinson

We had a great experience getting a new construction loan and mortgage with Grace and Gino at SMATS Group. We received excellent advice and communication at every step.

Victoria

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

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

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

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

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

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

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. Wild

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

April 4, 2026 China

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

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

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

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

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

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

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

A. Campbell

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

October 8, 2025 UK

J. Thomson

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

April 24, 2026 UK

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

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

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

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

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

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

A. Wild

EXCEPTIONAL customer service from Specialist Mortgage.

My housing loan process in Australia was so smooth.

March 17, 2021 China

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

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

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

S. Braniff

Fantastic support throughout the purchasing process.

May 14, 2025 Switzerland

W. Loannidis

Great customer service and always available to clarify and respond.

June 2, 2025 Abu Dhabi

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

B. Hastings

A professional service from start to finish.

November 26, 2025 Dubai

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