The Evolution of Cliff & Moss:
The Time Home Loans Story
Cliff & Moss - the spiel
Quite an unusual name for a financial services business. But that is the point. We are not your standard mortgage and finance brokers. Cliff and Moss, two great men in our family past, two legacies worth continuing. Cliff a gentleman to the end, Moss a pioneering farmer. Together their legacy allows us to build a pioneering financial services company who do things a little differently. We mix our old school values, education and experience with new age technology, service and attitudes resulting in a new approach to financial services.
Born from a Vision of Personalized Finance
What began as Cliff & Moss Finance Brokers has evolved into today’s Time Home Loans, carrying forward a legacy of personalized service and financial expertise. Founded by Johnathon Reeves, our story began with a simple yet powerful vision: to provide tailored financial solutions that make a real difference in people’s lives.
From Family Business to Finance Excellence
Growing up in a family of business owners, Johnathon developed an early appreciation for the intersection of business and finance. After completing his Bachelor of Business in Finance at QUT and gaining valuable experience with a major bank, he recognized a crucial gap in the market. Customers needed more than just loans – they needed a partner who could truly understand their unique situations.
The Birth of Something Special
Cliff & Moss started as a home-based operation in Queensland, driven by Johnathon’s desire to break free from the rigid “bank machine” approach. His experience in personal banking, business lending, and even debt collection provided invaluable insights into creating positive financial outcomes for clients.
Evolution into Time Home Loans
Today, as Time Home Loans, we maintain the core values that made Cliff & Moss successful: personalized service, deep financial expertise, and a commitment to finding the right solution for every client. Operating primarily from our Brisbane headquarters, we’ve grown from a single operator to a dynamic team of finance specialists, processing hundreds of loans with a remarkable 95% approval rate.
Our Enduring Promise
Just as Cliff & Moss did, Time Home Loans continues to serve as your dedicated finance partner, offering access to over 60 lenders and a comprehensive range of loan solutions. We’ve maintained our founding principle: we work for you, not the banks, ensuring you get the best possible outcome for your financial future.
The same passion that drove Cliff & Moss to success now powers Time Home Loans forward, helping Australians achieve their property dreams with confidence, clarity, and care.
Want to experience the difference? Contact our team today and discover why we’re still your trusted partner in property finance.