Profile
There is a deliberate meaning behind the name Tracey Kee gave her business. Keywise Finance, under Scintillation Holdings, is built to help clients find the key to their home and make wise investment decisions, a dual purpose she wanted at the heart of the firm.
Kee, a licensed mortgage broker and director, started the practice to create somewhere clients could receive more attentive, personalised support and feel properly guided through the loan process.
Kee had always enjoyed working in finance and helping people make good decisions, and founding her own firm felt like a natural next step. Mortgage broking appealed because it let her combine lending knowledge with personal service, and different opportunities and client experiences shaped her direction over the years. Keywise Finance became the vehicle for the attentive, personalised work she wanted to do.
She describes her approach as practical, caring and clear, and she does not see the loan process as just a transaction. “I genuinely care about my clients and their outcome,” she says.
She takes time to understand what a client is trying to achieve, what worries them and what support they need, staying patient and detail-focused through a process that can feel stressful when people are buying a home, refinancing or investing. As a refinance mortgage broker in Sydney, Kee helps homeowners assess their existing loans and explore opportunities to improve their financial position through refinancing.
Before looking at loan products or lenders, she wants to know whether a client is buying a first home, refinancing to improve cash flow, investing for the future, building or consolidating debt. “I start by listening carefully,” Kee says.
8 McIntyre St, Gordon 2072 NSW
0421 462 640
tracey.kee@keywisefinance.com.au
linkedin.com/in/tracey-kee-046794265/
keywisefinance.com.au
Tracey Kee
Mortgage Broker and Director Scintillation Holdings
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Bio
Milestones
1997–2009
2016–Present
2024–Present
2020–Present
2026
Commercial Lending Manager in Singapore and Malaysia
1997–2009
Mortgage Broker
2016–Present
Founder and principal broker of No Fuss Home Loans
Celebrated 20 years in mortgage broking in 2024 and expanded the broker team
Multiple-time finalist (2024–2026), Better Business Awards – Customer Service (NSW)
2024–Present
Finance Strategist and Team Leader, Infinity Group Australia
Won the following awards: AB 5-Star Broker 2025 and 2026, AMA25 NAB Broker of Year – Regional, RateMyAgent National Top 20 and QLD Top 5 (2025 and 2026), and MPA Top 100 Brokers 2025
2020–Present
Recognised for the second consecutive year as Australian Broker’s 5-Star Broker
2026
Milestones
As a founding member of WOW! (Women. Opportunity. Winning.), an employee resource group created for all women of Ryan Specialty, Phillips Topping has long championed for women in the industry.
“It’s very important to set an example and to not only inspire but mentor other females,” she adds.
In addition to her sharp marketing eye, the key to Phillips Topping’s success lies in her high-energy approach and positive attitude.
“As the leader of a team, it’s important to motivate and encourage your team members. People work very hard and do their best and it’s important to recognize these efforts. For my career overall, my attitude has been one of curiosity. The more you can learn, the better you’ll understand the business, and then the deeper your knowledge will become, making you a better team member.”
Chief underwriting officer of executive risk at Chubb
President of financial insurance solutions at Kemper
Chief underwriting officer at Axis Capital
CEO of global Insurance at Endurance
CEO of global Insurance at Sompo International
Only once she understands their full situation, including income, expenses and comfort with repayments, does she recommend a path that aligns with what they want to achieve. “My role is to break things down, guide the client step by step and help them make a wise decision, not just a quick one,” she says.
Kee works across a broad range of clients in Sydney and NSW, from first home buyers, refinancers and property investors to those with more complex needs such as self-employed borrowers, construction loans, SMSF lending, debt consolidation and pre-approvals.
As a trusted mortgage broker in Gordon, she supports clients throughout the local community while also assisting borrowers across the wider region. Every client’s situation is different, and for her the work is less about finding a loan than helping someone make a decision that suits their circumstances now and in the future.
The pace of change is the part of the job Kee finds most demanding, with lender policies, interest rates and borrowing capacity all liable to move while clients are making big decisions. As an experienced mortgage broker in North Shore Sydney, she handles it by staying organised, keeping up to date with lender changes and communicating clearly so clients understand what is happening and what their options are.
The trust Kee has built with clients over the years is the achievement she values most. Under her previous Loan Market profile, she received 193 five-star Google reviews, and since starting Keywise Finance, she has maintained a 5-star rating across 23 reviews, a track record that brings most of her clients to her through referrals and repeat business.
Kee takes real pride in that endorsement. “People usually refer their family or friends only when they have had a good experience themselves,” she says.
“My role is to break things down, guide the client step by step and help them make a wise decision, not just a quick one”
Tracey Kee,
Scintillation HoldingS
“I genuinely care about my clients and their outcome”
Tracey Kee,
Scintillation HoldingS