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Our Services

What we do


Home Loans

Investment Property Loans

Business and Commercial Finance

Asset Finance

Car Finance

Personal Loans

SMSF Loans.


Business Financial Health Checks

Personal Financial Health Checks

Business Banking Reviews.


In business? We can manage your bank relationship, renegotiate your finance, refinance or arrange new finance.

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Image Gallery

All images are original and the property of Owen Waters

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All about you
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About Us

FNQ Finance Guy is a professional mortgage, finance and banking solutions business owned and operated by Owen Waters that provides high quality needs based solutions for individuals and businesses.

Our vision is to be a trusted provider of high quality solutions and experiences for our clients, that recognise our clients unique individual nature, preference and situation. Every time.


We care about our clients loan and finance experience. We understand the increasing complexity and choice that is the banking and finance industry in Australia. With more and more banks and lenders and with hundreds of different loan options, rates and policies that are constantly changing. We know that our clients will benefit from caring, expert, professional and specialist help with their loan and finance needs. We work for our clients not the banks or lenders.

We use our extensive knowledge and experience in banking and finance to ensure our clients get the best possible service in a timely, efficient and professional manner.

Our areas of expertise are in home and investment finance, business finance, business banking solutions, personal and asset finance solutions. FNQFG specialises in mortgage, investment and business banking solutions for individuals and business owners.

Owen has 35 years experience in banking, finance, project management and enterprise development. Owen has a reputation for providing trusted, high quality, experience based solutions for individuals and businesses. Owen has been based in Far North QLD, Cairns and Thursday Island, since 2009 and has worked in, and has an extensive knowledge of, areas from Townsville to Mt Isa and Cape York to the Torres Strait.  Prior to moving to the Far North Owen worked in locations across Victoria and New South Wales.


Owen Waters

FNQ Finance Guy


0488 030 930

PO Box 7022

Cairns, QLD 4870


OJW Enterprises Pty Ltd ACN 611 715 185 trading as FNQ Finance Guy

Australian Credit Representative number 487200 of Australian Finance Group, Australian Credit Licence number 389087

AFCA member no. 54670 & 50032

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