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Scott is the founder and CEO of Toast Finance.

An Australian Mortgage & Finance Broking company that services clients across Australia in all asset classes of lending.

Toast Finance wasn’t born in a boardroom — it started with a simple question: How can finance feel more human?

After years in retail, Scott Baker realised he wanted to make a bigger impact. He loved building relationships and guiding people through big life decisions, and finance was the perfect place to bring that passion to life.

Mortgages aren’t just numbers on a page — they’re keys to first homes, stepping stones to investment goals, and fuel for future dreams.

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So Toast was created.

Not as another cookie-cutter brokerage, but as a refreshing alternative in an industry drowning in jargon and indifference. Scott wanted a business that cut through the noise, simplified the process, and actually celebrated the milestones with clients along the way.


From day one, the goal has been clear: to create possibilities people didn’t even know they had.

To educate, empower, and guide clients with clarity and confidence — whether it’s buying a first home, expanding an investment portfolio, or taking a step toward financial freedom.

So Toast was created.

Not as another cookie-cutter brokerage, but as a refreshing alternative in an industry drowning in jargon and indifference. Scott wanted a business that cut through the noise, simplified the process, and actually celebrated the milestones with clients along the way.


From day one, the goal has been clear: to create possibilities people didn’t even know they had.

To educate, empower, and guide clients with clarity and confidence — whether it’s buying a first home, expanding an investment portfolio, or taking a step toward financial freedom.

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