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About Us

Diagnostics and Finance is your trusted Mortgage Broker, Construction Finance and Finance for Medical Professionals.

Diagnostics and Finance is an established Financial Broking and Personal Risk Insurance Business located at 13/249 Annangrove Road Annangrove NSW 2156 that has serviced local, Riverstone, Rouse Hill, Castle Hill and Parramatta, greater Sydney, regional NSW and interstate clients since 2012.

Our Vision: “We Change Lives by Untangling Finance to draw out the Financial Legend within”

And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.”.2 Corinthians 9:8 (NIV)


Aaron Whybrow – Mortgage Broker & Founder of Diagnostics and Finance #bagpipingmortgagebroker

Aaron has both a medical and business background and is a member of the Finance Brokers Association of Australia (FBAA). He holds a Masters in Business Administration (MBA), Bachelor of Nursing (BN), Diploma of Finance (Mortgage Broking), Certificate IV in Mortgage Broking and a Certificate IV in Training and Assessment.

Aaron is an author in a new field of evidence-based medical devices a book in publish entitled Evidence-Based Medical Devices: Challenge The Status Quo For Faster, Easier and Better Results.

He takes the time to put You First, understand your circumstances and provide the right tailored solution for your needs.

You can reach Aaron on: (02) 9188 4488

Aaron is the Bagpiping Mortgage Broker

Outside of work Aaron loves to play and learn his bagpipe with his son who plays and learns the marching Snare drum.


Karina Fox – Senior Mortgage Broker #flexiblemortgagebroker

Karina is here to understand you and your finance needs and to identify solutions that allow you to reach your financial goals.

Karina’s understanding and compassion will leave you feeling informed, guided and supported every step of the way.

Karina is a member of the Mortgage and Finance Association of Australia (MFAA). She holds a Diploma of Finance and Mortgage Broking Management, a Certificate IV in Finance and Mortgage Broking and a Diploma in Human Resource Management.

You can reach Karina on: (02) 9188 4488

Karina is the Flexible Mortgage Broker

When not at work supporting her customers through their finance journey, Karina can be found supporting her students as an Aerial Yoga instructor.


Imee Lee – Administrative Manager / Social Media Manager

Imee provides multi faceted assistance for our Brokers and clients from social media, documents, CRM and systems within the business.

When not providing our #funnyfriday and other administrative assistance to our Brokers and clients, Imee can be found hiking the mountain side with her husband and young son.

Further there is an extended team of processors, asset and business finance.

Why are we unique?

At Diagnostics and Finance, we are individual people just like you. Your goals and outcomes matched to the lending policies is what is needed not just for the immediate transaction, but for your next one and into the future. How we structure your loan now needs to be not only understood but the impact on the moving pieces to your ideal future outcome. The road map needs to be navigated. Hence our vision to change your life by untangling your finance.

We achieve this by collaboration and understanding you and your unique set of circumstances. We also have key relationships with different disciplines in the industry to assist you in financial and life needs.

Why work with us?

At Diagnostics and Finance, we emphases the solution for your lending needs based on a flow of lenders or banks policy, rate and then product.

Using these in their order will allow your outcome and solution needed to gain the best result for you, your business and your family.

Questions we ask – which policy will you fit? What is the interest rates across qualifying lenders best for you? What will the product options be within those lenders work for your circumstances?

Diagnostics and Finance provides services in

  • Medical Product Consultation
  • Home Loan Finance
  • Asset Finance
  • Commercial and Business Finance
  • Personal Risk Insurance Advice
  • Investment Properties


  • FUN: We inspire each other to strive for the best, celebrate wins and enjoy the journey to create and drive energy to the business. We strive to make the process as easy, fun and enjoyable as possible.
  • UNIQUE APPROACH: Education videos and information communicated on email, social media and on this website; to help you find solutions and be kept informed during and past the loan application.
  • SOLUTION ORIENTATED: Taking the time to understand your unique set of circumstances and aligning them to the lender options available.
  • CONTINUAL PROFESSIONAL DEVELOPMENT: The staff of Diagnostics and Finance are always learning to ensure contemporary knowledge and value to the market place. That you have the most up to date product and information available.


About this Website Policy

This website policy applies to this website, which is operated on behalf of ARW Financial Services Pty Ltd (T/A Diagnostics and Finance) ABN 35 601 083 907, Australian Credit Licence 384704 (Credit Representative 425540) and its related bodies corporate (we, us and our). Aaron Whybrow is an authorised representative of Oasis Wealth Pty Ltd AFSL 293770 (Authorised Representative 1250623).

We are committed to protecting your Privacy.

At Diagnostics and Finance, we understand that the details you provide us are private and personal. It’s important that you feel secure whenever you deal with us. It’s also important that you understand how we protect your privacy and the manner in which we may use your details. As such our policies relating to personal information are designed to ensure that you are fully protected under Australian privacy laws.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

Personal information

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.

Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.

Why we collect your personal information

We collect personal information when you apply to join our network or for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.

How may we disclose your personal information

We may disclose your personal information:

  • to prospective funders or other intermediaries in relation to your finance requirements;

  • to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;

  • to associated businesses that may want to market products to you;

  • to companies that provide information and infrastructure systems to us;

  • to anybody who represents you, such as finance brokers, lawyers and accountants;

  • to anyone, where you have provided us consent;

  • where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);

  • to investors, agents or advisers, or any entity that has an interest in our business; or

  • to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

  • (a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or

  • (b) you have consented to us making the disclosure.

We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.

We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.

If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.

Access and correction to your personal information

We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.

We may charge a fee for our costs of retrieving and supplying the information to you.

Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you if we deny you access to the personal information we hold about you.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

We may need to consult with other entities as part of our investigation.

If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

Using government identifiers

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

Sensitive information

We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

Advertising And Tracking

When you view our advertisements on a Third Party website, the advertising company uses “cookies” and in some cases “web beacons” to collect information such as:

  • the server your computer is logged onto;

  • your browser type;

  • the date and time of your visit; and

  • the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.


We use “cookies” to provide you with better and more customised service and with a more effective website.

A “cookie” is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;

  • to customise our website for you;

  • for statistical purposes;

  • to identify if you have accessed a Third Party Website; and

  • for security

Direct Marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes.  If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request.  We will respond to your request as soon as practicable.

Online Applications

When you send a completed online application to us, we retain the information contained in that application.  We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

IP Addresses

Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website

If you have any questions related to the privacy information please call (02) 9188 4488 or email



Credit Guide – CLICK HERE

Financial Services Guide – CLICK HERE

ARW Financial Services Pty Ltd (T/A Diangositics and Finance) Aggregates through Finsure Finance and Insurance for Lending (CRN 425540; ACL 384704)

Aaron Whybrow is an authorised representative of Oasis Wealth Pty Ltd AFSL 293770 (Authorised Representative 1250623)