5 Star Rating


After a 10year+ battle with financial difficulties from the 2009 Black Saturday Bush fires and losing people and work, I did not know who to turn to for the right help and advice. This journey caused me to have black flags on my credit file and not knowing about it, stopped me from getting car loans, renting etc. The day I got introduced to Tracey by Grant I was very sceptical but was quickly assured that I was with the right people and that all my financial difficulties will come to an end. Over a short amount of time working with Tracey she was able to remove over 50K of debt that was stopping me from moving forward in life. Tracey and the team truly make you feel at ease and it’s a huge amount of weight off the shoulders.

I cannot express how thankful I am to have Tracey help me in these hard times and put the smile back on my face. Highly recommended.

                                                               Andrew C


After dealing with other companies that cost me a fortune,  I was fortunate to find Tracey at Select.  This lady is a straight shooter and knows what she is talking about .

I was in a mess financially, I handed over all my bills and these were put into a workable budget and life has never been better. I would very highly recommend Tracey.  Oh to let you know, she is always contactable which is refreshing.

Fran P

As a Mortgage Broker of 26 years I can't speak highly enough of Tracey and the team at “Select Financial Services”.


Tracey was absolutely incredible, she assisted me with a $4387.96 client credit default removal that had stopped my clients loan application in its tracks, it was in declined status……. Tracey made what was a very daunting and complex process so easy and stress free for me (and my client).


With her help I was able to resubmit the $1,200,000 loan on behalf on my clients and it was subsequently approved, YAYYY!!! She had the required documentation over to me instantly and actioned immediately, I was always kept in the loop with the whole progress and she aggressively worked for my client pushing the other side until the default was removed from my clients credit file!

The whole process was very quick and a quarter of the price of some of the other competitors so I can’t recommend Tracey and the team at Select Financial Services enough, they were genuine in their whole approach, excellent communication and so responsive to my needs. Would recommend them in a heartbeat. They are the best in the business.




Geoff Rees

Mortgage Watch


“I have recommended multiple clients go to Tracey for her guidance and service and have nothing but the highest praise for her work ethic and results. In all cases so far, she has not only made the process simple, but also put the client’s minds at ease with her relaxed, easy going attitude. That on top of her fantastic results in debt negotiation make her my first phone call when I have a client struggling with secured or unsecured debts.”


Adam Bishop – Astute Whyalla


“Tracey's knowledge, professionalism and support really separated her from the rest. She worked tirelessly for me to negotiate a significant debt with a bank, whilst ensuring my credit rating and ability to loan in future remains solid.  At no stage did it feel like I was just another client making her business money. She genuinely wanted to help me achieve a positive financial position.”

J Webb


“Tracey and the team at Select Financial were fantastic. I had some disputed outstanding balances against my credit file that came up as a surprise whilst processing my mortgage application. I approached Tracey who was able to negotiate my situation, have the “black mark” removed and close off the outstanding accounts. Without Tracey, I would not have been successful in purchasing my first home. Thanks again, Tracey!” – Ben


Tracey from Select FS has worked with several of my clients with a great deal of success time and time again. Often the effect of removing bad credit history makes the difference between whether my clients get a home loan or not, so Tracey’s expertise has been invaluable.

Aidan Hartley

Blue Own Finance


I had multiple credit products with one financial institution (Big 4) and additional credit products with multiple institutions.  The ceiling level of my debt had become large through a family home renovation where the bank reneged on a pre-approved mortgage increase post the building works completion, but was willing to provide the nearly $100K in credit products in the interim.  No excuses, but I was working (very hard) to manage my debts.

I lost my multiple income streams through a workplace accident.  Very soon after, any level of financial support dried up and I was soon unable to control the debt levels I had previously managed.

At the time I was referred to Select Finance by a friend I was receiving two phone calls minimum a day and being forced to make growing number of financial commitments on a weekly basis by the institutions.  I had borrowed from family and drawn on all my assets to keep them off my back.  This was even more difficult due to my medical injuries.

I was introduced to Tracey through a meeting with Grant Hosking at Select Finance.  There was no blame to be placed by Grant and Tracey during the initial meetings, only facts and figures to be exchanged.  In the weeks following my first meeting, all the harassing phone calls ceased.  I do not know how many phone calls Tracey was making on my behalf but the constant belittling, trickery and pressure from the institutions was removed.  Even the daily mail from the institution stopped.

A time came in the next few months, when I felt less guilty to pay for my family's basic needs and parts of my medical care without reneging on any one of the agreements that the institutions had made on behalf, was calming.


There were times along the way when having these debts (even being managed) hanging over your head, lead to despair and then doubt would creep in as to what may happen over time.  There was always a positive voice on the Select end of the phone call, to explain the current situation, importantly my rights and the process that was ensuing to deal with and relieve the level of debt.

As my injury became permanent and my ability to earn an income was  severely impacted; I provided all the information that was available to me from my medical staff and Government agency's as requested by Tracey until the debt level was ultimately reduced to zero.

I am not yet well but my recovery and family support is not bound by the enforced institutionalised debt system, thanks to Tracey and Select Finance!