OUR TEAM

WE’RE EXPERIENCED LENDING SPECIALISTS THAT WORK FOR YOU,
not the banks.

A man in a dark checkered suit standing in front of a brick wall covered with green ivy.

RAY CHAMBERLAIN

Founder, Director, Broker & Mentor

At the heart of Chamberlain + Co is Ray Chamberlain. Founder, Director, educator, and finance expert, Ray believes that understanding is just as important as the outcome.

After several successful years in the finance industry, Ray saw an opportunity to bridge a crucial gap: while typical mortgage broker businesses will find you a loan, they rarely work with their clients to help them to understand their options and why it’s right for them so they feel comfortable with such a large and personal decision.  

That insight became his “why”; a mission to combine his background and love for education with his passion for finance and achieving goals, by creating a business that helps clients feel informed, confident, and empowered at every stage of the mortgage process. 

Why Clients Choose Ray 

  • 20+ years of experience in finance and lending   

  • Known for clarity, transparency and education   

  • Melbourne-based, helping clients nationwide   

  • A smiling woman with shoulder-length brown hair, wearing a black blazer over a white top, standing outdoors on a tree-lined street with parked cars in the background.

    BEC ALLAN

    Loan Manager | Financial Literacy Advocate | Women in Finance Mentor

    Bringing insider knowledge from Australia’s major banks, Bec Allan empowers Chamberlain + Co clients with lending expertise that’s grounded in understanding, transparency, and care. As a seasoned Loan Manager, Bec has built her career on helping people unlock their financial potential, and she’s now channelling that experience to deliver smarter, fairer outcomes for every client she works with. 

    For years Bec has been at the forefront of financial literacy and women’s business mentoring, building a community-driven approach that inspires confidence and independence. Her holistic view of finance and lending connects education, empowerment, and practical results, aligning perfectly with Chamberlain + Co’s core belief in fairness in finance. 

    Bec’s deep experience within the big banks gives her a unique perspective. She knows how to navigate complex systems, negotiate effectively, and translate financial jargon into meaningful insights. Her goal is simple: to help clients make confident decisions and achieve true financial independence. 

  • Man with red hair and blue eyes in a black suit and blue shirt standing outdoors on a street with parked cars and green trees in the background.

    JOEL MONAGHAN

    Client Services | Finance Professional | Former NRL Athlete 

    With a career defined by excellence, Joel Monaghan brings the same drive, discipline, and focus that made him a professional rugby league standout to his role in Client Services at Chamberlain + Co. 

    A former NRL and English Super League player, Joel’s professional sporting career spanned 17 years, featuring five Test appearances for Australia, three State of Origin matches for NSW, and multiple leading try-scoring awards. Known for his commitment, precision, and performance under pressure, Joel has successfully channelled these qualities into his second career helping clients navigate the world of finance with confidence and care. 

    After retiring from professional sport, Joel relocated to Melbourne to pursue his passion for finance. Bringing his elite-level attention to detail, discipline, and teamwork, he has quickly become a trusted part of the Chamberlain + Co team by ensuring every client experience is informed, supported, and seamless.