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Meet the Team

Managing Director

Janine Carpenter

Janine brings over 25 years of finance industry experience to every client relationship, and as one of WA’s early entrants into mortgage broking, she’s seen it all. As a qualified Accountant, she combines sharp financial expertise with a genuine passion for guiding people to solutions they may not have thought to consider.

Whether working with first-home buyers, business owners, or multigenerational family members (a personal favourite!), Janine takes time to truly understand each situation before finding the best path forward. Long-term relationships are at the heart of how she works, and many of her clients have been with her for decades.

Off the desk, Janine is a firm believer that a healthy mind starts with a healthy body, and you’ll likely find her on a tennis court when she’s not securing great outcomes for clients.

Competitive, strategic, and always in your corner.

Email: janine@imfs.com.au

Tel: +61 411 22 99 33

Your Amazing Team


Jeremy Wealleans

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Jeremy Wealleans is a highly experienced finance professional with a career spanning banking, broking and business development. He has built a strong reputation for connecting the right people, creating strategic partnerships, and delivering practical finance solutions that drive results.

Having progressed from banking into senior BDM and leadership roles, Jeremy understands both lender and broker perspectives. He is known for thinking differently, challenging conventional approaches, and developing innovative solutions that create real value.

Jeremy’s approach is grounded in relationships, education, and long-term outcomes. He focuses on helping clients and partners make better decisions, not just transactions.

Driven by curiosity, resilience, and a genuine commitment to others’ success, Jeremy measures his impact by the growth and results achieved by those he works with.

Charlotte Rubbo

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Charlotte Rubbo is a Perth-based Finance Broker with IMFS, serving clients throughout Australia. With over 12 years’ experience, a Business Finance degree, and her own investment property portfolio, she brings both professional expertise and real-world experience to every engagement.

She specialises in property purchases, refinancing, debt consolidation, and investment lending. Supporting everyone from first-home buyers to seasoned investors. Charlotte is known for simplifying complex financial processes and guiding clients with clarity, structure, and confidence.

Her hands-on experience with subdivision projects and property investment provides valuable insight into the challenges her clients face. Known for her clear communication and organised approach, Charlotte ensures clients feel supported and informed throughout the journey.

With a 5-star rating, she is consistently praised for her responsiveness, professionalism, and attention to detail. Her combination of extensive experience, formal education, personal investment knowledge, and genuine commitment to client outcomes makes her a trusted advisor for clients navigating their property finance journey.

Drew Carruthers

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Drew is a dedicated mortgage broker known for making complex lending simple and stress-free.

With a client-first approach, he works closely with homebuyers, investors, and those looking to refinance, securing tailored finance solutions that align with their individual goals.

Drew combines deep industry knowledge with a genuine passion for helping people build wealth through property to ensure every client feels informed and confident at every step.

Drew prides himself on transparency, clear communication, and going the extra mile to achieve the best possible outcome — whether that’s a first home purchase or a strategic portfolio expansion. By leveraging strong relationships across a wide network of lenders, he delivers competitive options without the overwhelm.

Driven, approachable, and results-focused, Drew is committed to turning property ambitions into reality, building long-term relationships grounded in trust and positive outcomes.

Lisa Corlett

Rob Lowdon

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Rob is a seasoned mortgage broker with more than 13 years of experience. Throughout his career, he has collaborated with various referral partners and real estate agents before affiliating with IMFS.

Known for his professionalism, reliability, and unwavering dedication, Rob prioritizes securing optimal finance options tailored to each client’s unique circumstances and goals.

His commitment extends beyond securing the loan. He delivers a premium customer service experience characterized by transparent and open communication, a relaxed demeanour, and a client focused approach.

Rob consistently exceeds expectations by going above and beyond, ensuring a stress free and well-informed finance journey for every client. His guiding principle, “lending advice for life,” underscores his long-term commitment to providing enduring financial guidance and building lasting relationships with his clients.

Jeffrey Delbridge

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Being born and bred in the Goldfields, and with 20 years’ experience in the mortgage broking industry, Jeff Delbridge is the person to see for anything finance related.

Known for his ability to explain the process in simple, down-to-earth terms, Jeff is the go-to broker whether you’re buying your first home, purchasing an investment property, or looking to consolidate debts.

Jeff is not only highly regarded within the finance industry he is also well known throughout the Goldfields sporting community, currently serving as President of the Mines Rovers Football Club.

Jeff’s reputation has been built on trust, results and always putting the clients’ needs first.

Tim Bowler

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With more than 35 years’ experience in the finance industry, Tim Bowler is a highly regarded mortgage broker with In Mortgage & Finance Services. Known for his practical expertise and client-first approach, Tim specialises in structuring tailored lending solutions across residential, investment,  refinancing and business and commercial needs.

Having spent more than a decade with IMFS, Tim combines deep industry knowledge with access to a broad panel of lenders, ensuring clients receive competitive and appropriate finance options. He is committed to simplifying the lending process, providing clear guidance, and delivering outcomes aligned to each client’s long-term financial goals.

Tim’s reputation is built on trust, transparency and consistent results, supporting clients from initial enquiry through to settlement and beyond.

The dream is in you.

The knowledge, care and professionalism to go beyond is in us.

Your experience is in our experience.

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