John Kennedy, Tide Financial
Years inside Westpac, NAB and ANZ taught John how lenders think. Tide puts that to work for you.
A 15-minute call with John. No obligation, and no credit check to get started.

Why Tide
Most people who refinance pick the cheapest rate they can find and leave everything else to the new bank. Tide was set up to do it differently: look at the whole loan, the structure, the fees and the term as well as the rate, and put your interests ahead of the bank's.
“You work way too hard for your money, so don't donate it to your bank.”JOHN KENNEDY, DIRECTOR
About John
John has worked in finance since 2003. He started in asset finance, then moved into banking: business banking with Westpac, commercial banking with NAB and private banking with ANZ, looking after everyone from large corporate clients to small business owners. He started Tide Financial in 2017.
What he saw again and again inside the banks was customers left on the bank's default setup, monthly minimum repayments and a rate that hadn't been reviewed in years, simply because no one showed them the difference a few changes could make.
Today you deal with John directly, from the first call to settlement. No call centre and no handing your file around.
Qualifications
- MBA, Curtin Graduate School of Business
- Bachelor of Commerce (Finance), Curtin University
- Diploma of Mortgage Broking Management
- Diploma of Financial Planning 1–3, Kaplan
Part of the Astute network
John is a Credit Representative of Astute Financial and works from East Esplanade in Manly. That gives you access to the lenders on the Astute panel, with one local broker looking after your loan.
Talk it through with John.
Tell John where your loan is today and what you want it to do. You'll leave the call knowing your options, whether or not you go ahead.
A 15-minute call with John. No obligation, and no credit check to get started.
Mon–Fri 9am–5pm