About

Australia's new lease on life.

Land Lease Home Loans is the only financier in the market that can provide a loan secured by your home in an accredited land lease community. We are an Australian owned company built on doing the right thing by our customers, land lease communities and our stakeholders.

Our mission is to promote the land lease community sector as an equal or better alternative to a traditional home.

Our purpose is to give all Australian’s the opportunity to move into a land lease community or provide an additional income stream for existing land lease homeowners to transform their retirement.

Land Lease Home Loans provides a direct social impact by contributing to positive lifestyle changes to a sector that delivers an affordable long term housing option.

The team and I are available to talk to you so please reach out to get in touch.

Please also feel free to contact me directly at Andrew@LLHL.com.au and I will be happy to respond by email, or leave your phone number and I will call you back.


Andrew Ralph
Managing Director and Founder

The management team

Land Lease Home Loans is an Australian-owned company ready to help you achieve your financial goals.

Andrew Ralph CA

Andrew Ralph CA

Managing Director

Andrew holds a Bachelor of Commerce, Certificate IV in Credit Management and is a member of the Institute of Chartered Accountants in Australia and New Zealand. With more than 20 years’ experience in banking, Andrew began his career as an accountant and auditor with Ernst & Young before accepting senior banking roles at Rothschild & Sons, Bank of Scotland (HBOS), Lloyds Banking Group and then ANZ Banking Group.

Andrew is married with two daughters and stays active as a member of the Sydney Harbour Surf Club and gives back to the community as an active patroller at the Bronte Surf Life Saving Club, as well as training Bronze Medallion cadets.

Fiona Lynn

Fiona Lynn

Chief Operating Officer

Fiona has over 20 years experience in sales, marketing and customer service roles in sectors ranging from Information Technology to Banking. She is backed with a Bachelor of Business, holds a Certificate IV in Credit Management and another in Finance and Mortgage Broking, and is a member of the MFAA.

Fiona is married with two sports-loving boys, and is the owner of an energetic whippet.

Catherine McLeod

Catherine McLeod

Customer Experience

Catherine is an experienced and qualified specialist in retirement planning and investments with 20 years’ experience in Financial Services. Over the past 10 years, her experience includes various roles in corporate superannuation for Colonial First State and BT Financial Group. Catherine has a Bachelor of Commerce, a Diploma in Financial Planning, along with a Certificate IV in Finance and Mortgage Broking, and is a member of the MFAA.

Her passion for helping her customers is only equalled by her love of her family’s Adelaide Hills hobby farm and travelling.

The board of directors

Karen Landy

Karen Landy

Non-executive Director

Karen is a non-executive director of LLHL Group Pty Ltd and subsidiaries and Ingenia Communities Group's appointed representative.

Karen has been with Ingenia since internalisation in 2012 and is responsible for debt funding, corporate transactions and capital management including the joint venture with Sun Communities.

She has over 20 years experience in the financial services and funds management sectors. Her previous roles include Senior Analyst with ING Real Estate and Head of Strategic Finance and Investments with Zurich Australia.

Karen holds a Masters in Applied Finance, a Bachelor of Economics, is a Chartered Accountant and a Graduate of the Australian Institute of Company Directors.

Paul Murray

Paul Murray

Independent Non-Executive Director

Paul is an independent non-executive director of LLHL Group Pty Ltd and subsidiaries. He holds a Global EMBA (New York University, HEC Paris, London School of Economics), a Master of Commerce (Hons) (University of Melbourne) and is a member of Chartered Accountants Australia.

Paul is the Chief Financial Officer of Household Capital, a specialist provider of retirement funding, through responsible, long-term access to home equity. Paul has extensive risk management experience, which has been gained in both the investment management and banking sectors, in the United Kingdom and Australia.

Andrew Ralph

Andrew Ralph

Founder and Managing Director of Land Lease Home Loans

Andrew holds a Bachelor of Commerce, Certificate IV in Credit Management and is a member of the Institute of Chartered Accountants in Australia and New Zealand. With more than 20 years’ experience in banking, Andrew began his career as an accountant and auditor with Ernst & Young before accepting senior banking roles at Rothschild & Sons, Bank of Scotland (HBOS), Lloyds Banking Group and then ANZ Banking Group.

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© Copyright Land Lease Home Loans 2021

IMPORTANT NOTICE: This information has been prepared without taking account of the needs, objectives, or financial situation of any particular individual. Applicants should consider their own circumstances and, if necessary, seek professional advice. Applications are subject to loan approval criteria. Terms, conditions, fees and charges apply.

Land Lease Home Loans Pty Ltd ACN 642 684 053 is a Credit Representative 527929 of Mortgage Direct Pty Ltd ACN 075 721 434 Australian Credit Licence 391876.