Our people – Victorian Mortgage Group

Our people


The team of professionals at VMG share a wealth of experience across all areas of the financial industry. For years, we have been helping Australian borrowers reach a whole range of financial goals. Our understanding of individual circumstances and our expertise in providing flexible lending solutions means we will make sure you get the best product at the right price.

Bernie is the Managing Director of VMG and has worked in financial services for over 20 years. In that time Bernie has assisted many clients achieve their goal of home ownership, a facet of the business that continues to influence the company’s direction. During his time in the industry Bernie has acquired significant experience, specifically in the areas of:

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Brian McIldoon

Brian is the VMG Credit Manager. Brian was a Senior Lending Manager with the Commonwealth Bank prior to joining the VMG and has over 25 years experience in banking and finance. He specialises in credit analysis and portfolio management in both commercial and consumer finance and has managed a lending portfolio of some $280 million. Specific experience includes:

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Brian Neilson

Brian is our Finance Manager and joined us in 2007. He brings us a wealth of experience in the management of a variety of businesses. He has spent the last 25 years developing his skills through Public Accounting practice (Client Services and Taxation) and the management of a variety of businesses in both Victoria and NSW.

Brian is professionally qualified, holding a Bachelor of Business, majoring in Accounting.

Allarco Cantone

Allarco is responsible for the preparation, assessment and submission of consumer and business loan applications along with developing strong relationships with internal and external stakeholders.

Allarco was previously employed by Liberty Financial as a Credit Underwriter, where he was responsible for utilising a credit authority as well as managing the end-to-end process of all retail and commercial lending products. Prior to this he was at ANZ for over 18 years. During this time he worked as a Credit Assessment Officer in ANZ Global Cards and Mortgages and more recently as a Credit Manager in ANZ Private Bank for over 7 years where he utilised a credit authority for both retail and commercial lending.

Carolyn Monks

Carolyn has worked at VMG for over 10 years and is often the voice behind your first experience with VMG.  She combines quality customer service with an attention to detail that will smooth your experience and take any concerns out of your mortgage transaction with us.

Kevin has come to VMG with an extensive financial services background crossing a number of disciplines, having worked with the ATO, Westpac Bank and the National Australia Bank.  For over seven years, Kevin has employed those skills at VMG in the Credit Risk area.  Additionally, Kevin is integral to our dedicated Broker Services Unit where he provides a vital link in the credit application process.

Louise Raper

Louise is an integral member of our Customer Services team, also supporting Carolyn in her role.  Having been with VMG since 2009, Louise is in constant contact with clients on a daily basis and assists with all aspects of their requirements.

Michelle Rose

Partnership Manager (Queensland)

0428 495 448


Michelle has 15+ years in the Banking and Finance Industry and 9 years with VMG.    More recently, she has taken on the role as Partnership Manager for Queensland, building relationships and supporting the broker network.  Her passion is delivering the best value to our clients, referrers and brokers.

Raffaele Giuliano

Senior Partnership Manager (Melbourne)

0427 335 920


Raffaele has recently joined the team at VMG in the role of Senior Business Development Manager after having spent over the 35 years in the finance industry.  He brings significant expertise in many areas of finance, but he particularly enjoys the challenge of developing and leading a Sales and Marketing team.  Raff’s skills will be employed to best assist our referral sources and clients and we are excited to welcome him to the team.

Raff welcomes your enquiry.

Peter Kosmetschke

Senior Partnership Manager (Melbourne)

0447 519 086


Peter brings a wealth of experience to the role with over 30 years experience in banking and finance.  He has a strong and successful background across both the first and third party distribution channels at major institutions in relationship sales management, business development and sales coaching across business/retail banking & private health insurance sectors.  He particularly looks forward to working with the VMG Broker community in structuring transactions to find common sense financial solutions that will exceed both the borrowers and brokers expectations.   

Tony Bird

We are excited to welcome Tony Bird to the VMG team. Tony will be working alongside Allarco and Brian in a Credit Analyst role. He brings a wealth of experience to VMG having spent many years at a range of lending institutions, and most recently Heritage Bank.

Support Staff

VMG’s dedicated team of support staff provide assistance in the areas of mortgage finance, administration, client communication, marketing, insurance and office management.

Our staff are available to assist our clients in dealing with any queries they may have with regard to the administration of their loan portfolio