Meet Our Team



Billy Low

Billy, who originally comes from Scotland started his working career in the construction industry, he had over 10 staff and very quickly learned that a well-informed client is a stress-free client.

He has always believed in keeping his clients very well informed about even the smallest matter.  Keeping clients well informed helped him build a very strong clientele based business.

Billy lived in Ireland for 10 years where he ran an import company, supplying over 60 stores in the U.K. and Ireland.  Within this role he learned to deal with the many day to day tasks of keeping each store manager up to date with delivery details, new products, costings etc. This is where he fine-tuned his skills in customer satisfaction.  Billy quickly learnt how important it was to respond to every email and telephone call, keeping all managers very well informed and updated about the slightest matter.

On his return to Australia Billy continued his work within the importing industry, but was always drawn towards the finance industry. Billy purchased his first property at just 19 years of age, and has invested in numerous properties over the years, as well as having a love of cars. Billy has always felt that with his many years of dealing with the public and strong background in sales, he was ideally suited to work in an industry where he can help people achieve their financial goals in real estate, and purchase the vehicle they have always dreamed of. Billy has made himself available for meetings with clients 7 days a week day or evening.  He will dedicate himself to help make every clients’ purchase as easy as possible.

As they say a Scotsman is very canny with his money, he is even more canny with yours, striving to get you the best deal possible.

Billy can be contacted on 0467 990 009

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Derek & PAUline bignell  

Pauline started her mortgage broking journey at Aussie Home Loans in 2004 and Derek joined her in 2006, by this time Pauline had established herself as a Senior Mortgage Advisor and in 2007 felt the time was right to open her own business, The Mortgage Gallery Mornington Peninsula was established. In 2010 they decided to leave franchising behind and the doors of We Know Loans were opened.   

Pauline and Derek are local and have lived in the Frankston and Mornington Peninsula area most of their lives. Pauline and her husband and business partner Derek have two adult children and both are actively involved with the local community.

For many years Pauline was involved in Soroptimist International of the Mornington Peninsula and the Westernport Chamber of Commerce and Industry, the Peninsula “Women in Business” forum, and as a volunteer for “Beyond Disability Inc” and Care Plus Charity Store.  She is currently on the committee of Business Networking International for the Mornington Chapter.  When the children were young she was a cub leader at 1st Somerville Scout Group, a member of the parents’ committee at both Tyabb Primary School and Padua College, and ex president of Tyabb Pre-School.

Derek currently plays cricket for Somerville Cricket Club where he is a past Vice President and committee member and has played over 300 club games with We Know Loans a proud sponsor of the club. He is a past Secretary and Vice President for Somerville Tennis Club and he has been a member of Tyabb Baseball Club. As a young man he had many years of involvement with the Mornington Soccer Club. He enjoys playing the occasional game of golf.

Pauline and Derek both hold the Certificate IV and Diplomas in Banking and Finance and are accredited with the Mortgage and Finance Association of Australia (MFAA) and are members of the Credit Ombudsman Service Limited. Pauline has also completed further training and is an accredited Commercial broker as well as having SEQUAL accreditation as a reverse mortgage consultant. Both are accredited for equipment and vehicle finance

All of Pauline’s and Derek’s clients are assured of friendly, reliable, ethical and trustworthy service at all times and both strive to provide outstanding financial solutions for all of their clients.