We provide tailor made solutions to grow
and protect your wealth....period.

Integrity, forward looking contrarians and an income centric focus.
We live and breath finance & investment and exist to make
investing simple and easy to understand for our clients
whatever their asset base.

Deal Financial Panning Australia

Finance Brokering

We have no prejudice for any one institution and we ALWAYS put the clients best interests first when structuring lending.

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More coins Financial Panning Australia

Financial Planning

We begin our Financial Planning discussions with the END in mind. How do you see yourself 10 years from now or after retirement?
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Real Financial Panning Australia

Real Estate

Because we have a Real Estate License we are uniquely placed to offer clients any property strategy they may wish to employ.
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Small Business Finance

Small Business Finance

We LOVE Small Business, it’s the back bone of our economy. We give custom business solution according to your specific needs.
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LGBTI Financial Planning Australia


We’ll work closely with you to shape a strategy that addresses the unique factors the LGBTI community faces in the Financial World.

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“Dealing with your finances and wealth creation shouldn’t be daunting. My mission is to provide guidance, advice, education and a plan to give you confidence around your finances. There are many considerations and my company has the knowledge, skills and expertise to give you peace of mind and confidence.” – PJ Patterson

We tailor our service to suit your needs!
Simply put, we are financial problem solvers with custom-made solutions for you.

What our Clients are saying..

Amazing Service

The assistance that PJ of Keystone gave us with the purchasing of our new home was exceptional. Having been our first purchase and not knowing the ins and outs of buying a loan I believe PJ went far and beyond the level of service normally offered by such businesses. We have now also worked with PJ on a Novated Lease and again the service and detail was not only excellent but it has saved us a substantial amount of money. I have no hesitation in recommending PJ of Keystone to anyone who wants to work with someone who you can not only trust but has your budget and bottom line dollars in mind.”
- A Coburn

My recommendation

We were recommended to speak to PJ after going through a few mortgage brokers and banks over the years. PJ made an effort to understand our situation and and understand our long term goals. Keystone Financial provide a holistic financial solution – not just mortgage broking on our behalf. We found the team at Keystone Financial to be extremely proactive when communicating, especially with the banks and negotiating suitable solutions for us. The team truly had the depth of knowledge required to assist me. I look forward to continue working with PJ and his team over the years as we continue the journey in using property investing to secure our financial future. I would happily recommend them.”
- Rish G

Our new home

Having recently moved from interstate we came to PJ looking to purchase a family home for the future, while keeping our existing property for an investment. PJ’s professionalism and approachable manner made the process simple. He explained our options in a way that was incredibly easy to understand. His assistance in completing and progressing the loan documentation and approval was very much appreciated, so much so that we have already referred one family member to him and wouldn’t hesitate to refer other friends and family in the future.”
- James and Natalie

Unique Approach

Without it sounding like a cliche, I can honestly say that I have had the “Pleasure” in working with PJ for around 6 years now. I say that as his approach is not one that is easy to come across with a finance professional. In my line of work, the “Money Guy” tends to work out to be just that, a resource rather than someone who works alongside you with the best outcome for the client in mind which we all know, means a happier client and an easier business to run. Having PJ working along side you is like having that clone of yourself you wish you always had, he’s intuitive with what you are trying to achieve with a client and has certainly “Been there done that” enough to know how to treat any situation you are in with a professional manner and knows what to say and how to say it with that calming American tone of his. Spend one meeting with PJ and it will feel like you’ve had a business partner that has been with you for life.”
- J. Allen


Mr. PJ Patterson from Keystone Mortgages is my favorite, professional mortgage broker. When he prepared the application of home loan for me, he has constantly introduced and explained all details about all available lenders’ service and what plan is best for my situation. He has worked extremely efficient and professionally answered all my questions. In particular, he has also friendly provided me very valuable assistance to deal with the lender about any mortgage issues. Because of his excellent professional serves, I have come to him again for my home loan re-finance. I am very happy about his mortgage services. One word, he takes care of you!”
- X. Chen

Quick & easy process

Thank you for being our mortgage consultant and for your advice and service in refinancing our property mortgages. You made everything so clear to us so we could make all the required decisions easily. The process was so quick and trouble free and the outcome exactly what we wanted. We thought you would like to know that we have recommended you to our friends and colleagues.”
- Marilyn and Tony Camacho


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