Director & Mortgage Broker
Joshua Vecchio
Co-founded Hunter Galloway after a career inside the banks, and works mostly with first home buyers going through it for the first time.
- Cert IV Finance & Mortgage Broking
- Diploma qualified
- In mortgage broking
- Since 2011
- Home loans settled since 2017
- 716
Figures current as at August 2026.
About Josh
Josh co-founded Hunter Galloway in 2015 with his brother Nathan. Both had spent their careers inside one of the big banks, and both had watched the same thing happen from the inside: lenders competing hard for new customers while the people already with them were left alone. They started Hunter Galloway to work the other way around.
The business began in a home office. Today Josh is a director and one of six brokers at the firm, working alongside a team of credit analysts in Brisbane.
Most of Josh's work is with first home buyers, people who have never done this before, are not sure what they can borrow, and have usually been told several contradictory things already. That is the part of the job the reviews tend to mention: the process being explained before it is started.
Josh was a finalist for Wellness Advocate of the Year (QLD) at the 2026 Better Business Awards.
Hunter Galloway won Brokerage of the Year (< 5 Brokers, QLD/NT) at the Connective Excellence Awards in 2024 and 2025.
Specialisations
What Josh works on
First home buyers
Deposit size, what the lender actually looks at, and which of the first-home schemes a buyer is eligible for. Usually starting from "how much can we borrow?" rather than from a chosen property.
Pre-approval under deadline
Getting a pre-approval assessed quickly enough to bid or make an offer, including where a contract date is already locked in.
Refinancing
Reviewing an existing loan against what the same borrower could get today — rate, structure, offset use, and whether moving is actually worth the cost.
Investment property loans
Structuring a second or subsequent loan so the existing home is not compromised, including how lenders assess existing rental income.
Published work
Written by Josh
Suncorp Home Loan Review 2026: The Move to ANZ
Have a Suncorp home loan? Check the ANZ move, possible repayment increases, offset changes and redraw restrictions before deciding whether to stay or refinance.
Updated 23 Oct 2026
Save a house deposit in super: FHSS guide (2026)
Work out which voluntary super contributions can become part of your deposit, the tax difference and the release deadlines to meet before you buy.
Updated 23 Oct 2026
Veterinarian home loans: LMI waivers and deposit options
Eligible vets may buy with 5% or 10% deposit plus costs and avoid LMI. I'd check your veterinary registration, salary or practice income, and the property before comparing which...
Updated 23 Oct 2026
Occupational therapist home loans: LMI waivers and income
Eligible occupational therapists may buy with 10% deposit plus costs and avoid LMI. Westpac and St George require $90k in qualifying income. I'd check your registration, salary...
Updated 23 Oct 2026
Home loans for midwives: LMI waivers and deposit options
Eligible midwives may buy with about 10% plus costs and no LMI. Check the $90k professional income test, shift work rules and other deposit options.
Updated 23 Oct 2026
Home loans for lawyers: borrow up to 90% without LMI
Solicitors, barristers and partners can buy with 10% and no LMI. Compare 6 lenders on income floors, partner rules and practising certificate checks.
Updated 23 Oct 2026
Industry recognition
Recognition
- 2026Finalist: Wellness Advocate of the Year (QLD)The Adviser Better Business Awards
Verified reviews
Clients on working with Josh
- Monique Roosen
Josh and the Team did an amazing job getting the preapprovals done quickly and efficiently within some very tight timeframes. A huge thank you for all your work with putting some urgency behind the mortgage pre-approval application.
★★★★★Feb 17, 2026 - Rebecca Mansell
We recently purchased our first home, and Josh and Angela were incredible to work with. As first home buyers, the process felt incredibly daunting at first and we had no idea what to expect. But they made everything feel manageable and were so reassuring every step of the way. We trusted them completely and we were not disappointed.
★★★★★Feb 4, 2026 - Natty M
From the initial phone call hubby made to Hunter Galloway we are grateful to Nathan, Joshua and Pau who helped us with our home loan refinance. The team worked with us along the application process and are very helpful in all our questions. We're now getting ready for settlement and are so pleased with how efficient the team have been.
ProductReview★★★★★2022
Qualifications & licensing
Credentials
- Tier 1 Adviser, Banking and Financial Support ServicesKaplan Professional
- Certificate IV in Banking Services FNS41010, Finance, GeneralCommonwealth Bank
- Diploma of Financial Services (Finance / Mortgage Broking Management), Accounting and FinanceInstitute of Strategic Management
- Certificate IV in Financial Services (Finance/Mortgage Broking), Finance, GeneralIntellitrain
Education
- Certificate IV in Financial Services (Finance/Mortgage Broking), Finance, GeneralIntellitrain · 2010
Find Josh elsewhere
Hunter Galloway is authorised under Australian Credit Licence 389328. Information on this page is general in nature and does not take your personal circumstances into account.