About Us

Strategic lending built on a foundation of integrity.

Nivyaa Financial Services takes its name from a blend of Thamlini’s daughters’ names — a symbol of possibility, legacy, and the belief that the sky is the limit. The business was created to empower her children and reflect the values she hopes to pass on: courage, ambition, and purpose.

Thamlini (Thami) has been part of the financial services industry since 2007, building a career grounded in integrity, clarity, and a genuine commitment to helping clients achieve their financial goals. With experience as an associate adviser, financial adviser, and a paraplanner, she brings a deep understanding of how lending fits into the bigger picture of long‑term financial wellbeing.
Her approach is shaped by the values passed down from her parents, who migrated to Australia from a country with limited opportunities to create a better life for their five daughters. Their resilience, work ethic, and unwavering belief in helping others have deeply influenced Thami’s outlook on life and business. These early lessons form the foundation of how she serves her clients today.

Thami believes lending is more than securing a loan; it’s about creating opportunities, opening doors, and supporting people through some of life’s most meaningful milestones. She works closely with financial advisers, accountants, and other specialists to ensure her clients receive strategic, well‑structured solutions that support their broader financial journey. Her style is patient, transparent, and empowering, helping clients feel confident and informed as they navigate the lending process.

As a mortgage broker, Thami supports clients at every stage of life. Her expertise includes:

Qualifications

Outside of work, Thami loves spending quality time with her husband, their two daughters, and the family dog. Together, they enjoy exploring the outdoors, travelling, discovering new food experiences, and unwinding with a good Netflix session whenever life allows.

Our Mission

At Nivyaa Financial Services, we empower Australian families to secure their future through expert mortgage strategy. We don’t just find loans, we build the financial foundations for your life’s greatest milestones.

Our Core Values

The Foundation of Everything We Do

Our core values define who we are and how we serve our clients. They shape our decision-making process, strengthen our client relationships, and ensure that every financial strategy we create is built on trust, responsibility, and long-term vision.

Integrity

We believe transparency is the bedrock of finance. We provide clear, honest guidance so you can make decisions with absolute confidence.

Excellence

Leveraging our “Exalted Sun” drive, we settle for nothing less than the most competitive and strategically aligned financial products for our clients.

Empowerment

We simplify the complex. Our goal is to transform the mortgage process from a daunting task into an empowering journey toward homeownership.

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Every great legacy begins with a single conversation. Start yours today.