The Story Behind MoneySmith
& Mortgage 180

How one idea changed the way Australians manage their mortgages.

From Banker to Mortgage Strategist


After 40+ years in banking, lending and financial planning, Paul Cluff saw that most Australians were overpaying thousands in interest due to lack of structured mortgage strategy.


He wanted a system that could teach homeowners how to truly manage their mortgage, not just take a loan. That’s how Mortgage 180 was born.

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Empowering Australians to Take Control


MoneySmith Group’s mission is simple:

  • Make mortgage strategy understandable and actionable
  • Help homeowners accelerate repayments and build equity
  • Provide education-driven, conflict-free financial advice


We serve the Tweed Coast, Southern Gold Coast and nationwide, helping clients achieve financial freedom faster.

A Methodology, Not Just a Tool


Mortgage 180 gives homeowners clarity, control and strategy, turning a mortgage from a liability into a wealth-building tool.

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Mortgage Broking

Graham Brims


Graham has worked in the finance industry for over 20 years', primarily in the banking and mortgage broking sectors. Graham holds a Diploma of Finance and Mortgage Broking Management and is a member of Mortgage and Finance Association of Australia (MFAA).


Having bought and sold properties of his own over time, Graham is able to pass on advice to his clients in the same process.


If you are a first-home buyer or an avid property investor, Graham’s aim is to guide and educate you through the processes of seeking finance. He helps ensure his clients achieve the best possible outcome and experience based on their current situation and their ongoing financial goals.


Graham is a sports fan, and you may see him from time to time at the local footy, soccer or cricket ground reminiscing of the good old days. Growing up on the Tweed Coast and living on the Gold Coast for over 20 years, Graham sees himself as a bit of a local to the regions and looks forward to helping other fellow locals.


“Whether you are a first-time home buyer, looking to upgrade your current home or a property investor, I look forward to hearing from you.”

Graham

Paul Barbagallo


Paul’s journey to become a mortgage broker began many years ago where through the buying and selling of his own properties, he began to understand and appreciate the importance of good advice and a well-managed process.


Paul understands not only the joys of attaining a property, but also the uncertainty that can come along. Although coming into broking later in life, Paul believes the skills and knowledge he has gained through 20 years of hospitality has given him a unique perspective and it is through this perspective that he is able to really listen to the wants and needs of his clients.


“The MoneySmith Group has similar ethics and values that align with my own, which is why I chose to come onboard with them. I hope to help others as they helped me with my own dreams of owning my own home.”

Paul


Darrell Menzies


With over 20 years of experience in the finance industry, I specialise in home loans, investment lending, and commercial finance solutions.

I work closely with clients at every stage of their journey — whether you're purchasing your dream home, building an investment portfolio, refinancing an existing loan, consolidating debt, or exploring SMSF and specialised lending opportunities.


My approach is built on open communication, a deep understanding of the current lending landscape, and a genuine commitment to achieving the best possible outcome for every client.

Let’s have a conversation about how I can help you move forward with confidence.

Financial Planning

Rachael Glover


Rachael has worked in the financial planning industry for 16 years and has been a licensed financial adviser since 2013.


She is a registered tax (financial) adviser and holds a Diploma and an Advanced Diploma in Financial Services (Financial Planning). With a commitment to continued education and professional development, she is currently completing a Graduate Diploma of Financial Planning. She is also a member of the Financial Advice Association Australia (FAAA).


Rachael offers vast experience and a passion for working with clients that understand the benefit of experience and quality financial advice. She is committed to building long-term sustainable relationships with her clients and strives to provide clients with peace of mind throughout their life journey.