About Us

About us

Granite Home Loans (Granite) is purpose-built to deliver innovative, niche home loan products at competitive interest rates exclusively through brokers across Australia.

Established in 2018 to provide fresh choices for home and investment borrowers, we’re a part of the ColCap Financial Group, one of Australia’s largest non-bank lenders.

Building brighter futures on rock-solid foundations.

Brokers across Australia want to build brighter futures for their clients. And Granite is built to provide those brokers with competitive, innovative and niche mortgage products.

We deliver across each step of the home loan journey. We provide personalised service and tailored products so every loan is handled with expert care from enquiry to settlement.

This makes Granite the rock-solid choice for brokers seeking rock solid foundations for thriving businesses, as well as the home and investment aspirations of their clients.

ColCap Financial

ColCap Financial Limited (ColCap) ACN 119 531 252 (Australian Financial Services Licence and Australian Credit Licence 337 303) was established in 2006 and is privately controlled by Australian shareholders.

ColCap is a major non-bank lender in Australia. ColCap offers primarily Australian residential mortgage loans to prime borrowers through wholesale, retail, and broker distribution channels. ColCap has $21.8 billion+ assets under management in Australia and the UK and and employs over 500 people in Australia, the UK and the Philippines, with its head office in Sydney.

Our Team

Director and Co-Founder

Bridget Sakr

Bridget is a passionate, respected and trusted senior business leader with over 25 years’ financial services experience. A senior executive with experience in directing business growth, elevating brand awareness, increasing revenue, profitability and market share in the highly competitive and regulated mortgage and associated Lenders Mortgage Insurance market.

Bridget’s career commenced in 1991 at Commonwealth Bank of Australia on a graduate trainee program. She joined Genworth in 1994, (formerly HLIC and GE Mortgage Insurance), an ASX Listed company and leading provider of Lenders Mortgage Insurance, her career spanning over 22 years. She covered many roles from Credit, Operations, Securitisation, Sales and Commercial. Bridget was appointed as the National Sales Leader in 2004, where she first joined the senior leadership team reporting to the CEO. During her time in this role, she expanded the sales team from 18 to 28 and exceeded revenue targets by 25% year on year. In 2010, Bridget was appointed as the Chief Commercial Officer where she led, developed and inspired high performing cross-functional team of 40, including Partnership and Distribution, Marketing and Communications, Product Management and Corporate development teams.

Bridget holds a Bachelor of Arts, Economics Major, University of Sydney and a Graduate Certificate in Humans Resource Management, UTS. Bridget is a member of the Australian Institute of Company Directors (AICD) and has attended the Foundations of Directorship course, (AICD).

Chief Commercial Officer

Michael Csavas

As Chief Commercial Officer at ColCap Financial and Granite, Michael brings 25 years’ experience in the financial services industry, including lending, finance, banking and wealth management, to the table to support broker channel distribution across Australia.

With diverse expertise across strategy, finance, distribution, start-ups, mergers & acquisitions and general management, his recent roles include General Manager Advice at Australian Unity and Chief Executive Officer of CBA subsidiaries Count Financial and mortgage aggregator, Finconnect, through turnaround and growth phases.

Michael has a Bachelor of Commerce in Accounting & Finance from the University of NSW (and is a CPA), an Applied Diploma in Finance from FINSIA, an Executive MBA from the Australian Graduate School of Management and a Cert IV in Finance & Mortgage Broking.

General Manager

Yianni Socratous

Yianni has a wide range of experience in Finance, eCommerce and Digital Marketing. A jack-of-all-trades with a specific focus towards sales and business development, systems integration and process improvement. He has a unique blend of skills allowing him to fulfil almost any mortgage finance role along the acquisition, credit, operations, admin and processing pipeline.

Yianni joined Genworth in 2011 as a Corporate Relationship Manager in the Commercial team Major Bank segment. During his time at Genworth, he managed and supported customers such as NAB, Westpac (including St George, BT LMI, RAMS) and CBA. He was responsible for systems integration projects, oversaw application pipelines and managed key stakeholders within these organisations.

Prior to joining Genworth, Yianni worked for 9 years with a boutique lender that acted as a mortgage manager for Adelaide Bank and also utilised private, investor and portfolio funding to provide non-regulated mortgage loans to businesses and investors. Yianni was responsible for Application processing, credit approval and business development. During the GFC the company shifted focus and Yianni was responsible for collections, arrears management and property repossessions.

More recently Yianni co-Founded an eCommerce business specialising in procurement and supply of Mobile Tech equipment to Government agencies, businesses and consumers. Having sold this business mid-2017, Yianni started consulting for other businesses providing solutions for process improvement and increasing online presence and conversions.