About PMAA Financial Services

PMAA is a 100% Australian owned company dedicated to helping Australians of all net worths, not just the high rollers.

We believe Wealth is for everybody who wants it, we also believe people need professional honest advice.

PMAA Managing Director, Tony Meeds, has been involved in Wealth Creation through Property and Home Loans for over 25 years. Over the years, he has built a network of associated professionals, all with the same principles to assist Australians as best they can.

At PMAA we understand we all live busy lives and don’t have time to research Wealth Creation and even when we do, how do we determine good from bad? At PMAA we have the experts to help you succeed and start the journey to financial freedom at retirement and enjoy the journey along the way.


An experienced adviser can provide a better result. As with accountants or lawyers, we tend to trust the experts to do things better than we can so it is with managing wealth. By trusting PMAA Financial Services you can get on with what you do best.

Our Values

Creating wealth for retirement is a complex business and one that is all too often put in the too hard basket and then retrieved a few years prior to retirement. At PMAA we urge you to take control NOW! We have over the years put together a team of associated professionals who are willing to dedicate time to your personal needs and goals.

Tony Meeds is an Authorised Credit Representative (no 416590) of Australian Capital Home Loans, Australia Credit Licence No 386812, Real Estate Licence Nos 3834127.  2201269
Clayton D'Cruz is an Authorised Representative of Blue water Authorised rep number (303114) AFSL Australian Financial Services Licence No 411846.


Our Team

Tony Meeds

Home Loan Specialist
Licence Real Estate Agent
Managing Director PMAAFS

I have 25 years experience in real estate and home loans. I know how to listen and will help you achieve your goals. I have the team to support me.


Clayton D'Cruz

Financial Planner

I have worked with Tony and the team for many years now helping mutual clients with their planning needs. It makes such a difference when every body works together for a client’s best outcome.


Mike Wilson


Mike heads up an accounting firm that provides accurate, reliable and responsive accountancy services. Wilson Teis comes highly recommended by PMAA.



I am writing to express my thanks with regards to the service that we have always received from Tony Meeds. Tony has always been there for us since we became customers of Australian Capital Home Loans 10 years ago. Tony is always available by phone or email and if he is busy he will always get back to you later that day. We are now in a financial position to buy our first investment property and Tony is there through every step to guide us through the process, be it by phone or in person. It is really good for myself and Clive to know that we have Tony looking after our financial interests and that he is there to help us achieve our own financial freedom.
I approached Tony Meeds, who was a patient of mine, because I wanted to find out what financial position I was in and how long it would be before I could invest in an investment property.
Tony was fantastic and was a great help. Tony helped me by taking the time and care to analyse my current financial position, and then advised me that I was actually in a good position to buy an investment property. Tony went out of his way to gather all of the relevant information, met with me at my house on several occasions outside business hours and was available to speak with me on the phone any time.
The result was…..I bought an investment property and couldn’t be happier with my decision. Not only that, but Tony found me a great deal, which means my investment property is neutrally geared, meaning it doesn’t cost me anything to own while at the same time its capital is increasing.
One thing I liked was his commitment to follow through with things he said he was going to and his commitment to getting the results I was looking for.
I found the experience really easy. I work 50 hours or more a week, and really didn’t have to do anything at all, Tony did it for me.
I would recommend Tony Meeds to people who are simply curious about their financial position and who are keen to take control of their own financial future. Tony will do the rest!
- DAN KELLY (Exercise Physiologist)
We have been working with Tony for 4 years and have found his expertise and advice invaluable. We are looking to expand our property portfolio and are well on the way to completing our dream of 3 houses. When we first met Tony, we had no idea how to start our property journey and Tony has provided us with exceptional strategies on how to save, bank and move our money to best advance our financial position. We would highly recommend working with Tony.
We were absolutely taken back after meeting Tony for the first time. He was willing to come over when it suited us and staying as long as it took to answer all our questions. Tony has provided us with extremely accurate and sensible advice allowing us to make educated decisions when refinancing our mortgage. To this day Tony has provided us with a service well beyond what is advertised. Since refinancing we are currently thousands ahead with more savings than ever before. We would and do recommend Tony to anyone. He is a wealth of knowledge and someone we now call a friend.
- S & G MOSS

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