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Women in Finance Awards 2025
About Refyne Loans
Sanjna Pathania
Founder of Refyne Loans
- $4M+ property portfolio
- Bought first property at age 25
- Founded Refyne Loans in 2024
- Previous experience at Westpac and KPMG
- Background in risk management
Founder of Refyne Loans
A loan should be part of a bigger plan. It’s about understanding where you want to go and putting a lending strategy in place that supports your next purchase and your longer-term portfolio goals.
I bought my first property at 25 and have built a portfolio worth more than $4 million. Along the way I learned how much there is to consider beyond the purchase, from how a loan is structured to what it could mean for the next property, and whether it still works when life changes.
My own experience as a mortgage broker client partly drove why I started Refyne. I sometimes found the process hands-off, with lengthy turnarounds and little explanation of what was happening or why a particular loan was recommended. Before founding Refyne Loans in 2024, I worked in risk management at Westpac and KPMG. That taught me to ask questions, read the detail and think through what could go wrong as well as what could go well.
Education is a big part of what I want Refyne to offer. In client conversations we explain how lending works, talk through trade-offs and make room for questions. On social media I share what I’ve learned about finance and property, including my own experiences, so people can access that information before they apply for a loan.
As a mother and business owner, I know property goals have to fit around the rest of life. When my team or I speak with clients, we want to understand what they’re working towards and what matters today, so they leave knowing why they’ve chosen a particular loan and how it fits their bigger picture.
Built for growth
From a sole broker to an award-winning specialist lending business, Refyne’s growth reflects the impact of its people, expertise and client-first approach.
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AFR Fast Starters
2025 -
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The Adviser Elite Broker Ranking 2025
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$0M+
Personal property portfolio
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Platinum
Commonwealth Bank Broker recognition
Vinay Pathania
Head of Operations and Mortgage Broker
- 11+ years’ experience across Commonwealth Bank, HSBC and KPMG
- Experience across banking, credit and risk management
- Specialises in personal, company, trust and SMSF lending structures
- Built a 4-property portfolio in 2 years
- Personal property portfolio worth $2.5M+
Head of Operations
As Head of Operations at Refyne, I work across both the strategic and day-to-day sides of the business, while remaining an active mortgage broker. Having been involved since Refyne’s early stages, I’ve helped shape how we approach lending, client experience and the way the business operates as it grows.
With more than 11 years of experience across Commonwealth Bank, HSBC and KPMG, I bring a strong background in banking, credit and risk management. That experience has given me a detailed understanding of how lenders assess applications, structure risk and make credit decisions, which I apply when working through more complex lending scenarios.
I specialise in structuring property finance across personal names, companies, trusts and SMSFs, including portfolio lending, equity release and refinancing. My focus is not simply on securing the next approval, but on helping clients structure their lending in a way that supports their longer-term property strategy.
I also bring first-hand investing experience to the role. In just two years, I built a portfolio of four properties worth more than $2.5 million, using the same principles around loan structuring, equity management and borrowing capacity that I now help clients apply to their own portfolios. This gives me a practical understanding of what it takes to grow quickly while still making considered financing decisions.
Beyond my work with clients, I’m closely involved in how Refyne operates and scales as a business. This includes developing our lending processes, supporting and coaching the broking team, improving systems and workflows, and maintaining a strong standard across client experience and compliance. As the business grows, my focus is on building an operation that allows our brokers to move quickly without compromising on quality, advice or the experience we provide to clients.
Meet the experts behind Refyne
Our experienced brokers and operations team bring specialist lending knowledge, settlement care and client-first support to every property journey.
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Sanjna
CEO & Founder
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Vinay
Head of Operations
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Ben
Senior Mortgage Broker
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Jacob
Senior Mortgage Broker
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Iren
Settlements Officer
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Jade
Settlements Officer
Refyne was built for property investors with a clear ambition:
scale fast, retire rich.
Talk to a mortgage broker -
Portfolio-first
lendingWe don’t approach lending as a series of individual transactions. We look at the portfolio as a whole, structuring finance to maximise borrowing capacity, unlock equity and preserve the ability to keep acquiring.
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Complex structure
expertiseWith deep expertise across investment lending and complex ownership structures, including trusts, companies and SMSFs, we help clients navigate increasingly sophisticated lending as their portfolios grow.
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Built for the
next purchaseEvery decision is made with the next acquisition in mind, helping investors build bigger portfolios, create long-term wealth and ultimately achieve the financial freedom to retire on their own terms.