team member
TOM TUNG CAT / Director

Tom has over a decade of experience in the property industry; originally as an active investor and developer overseas and now in the Australian market since 2005.  His expertise in property has covered many different fields from renovation to finance. However he gets the most satisifaction from helping hard working families to own their own home.

Back in 2007  Tom discovered the rent to own – or vendor finance system to own property – this has been the main model used in the Own Don’t Rent business.  Over the past few years Tom has helped dozens of Australians to own their own home .

Other than growing the business, Tom enjoys tennis, spending time with his young family and working with the local community.

Qualifications and memberships

  • Australian Credit License 385351
  • COSL membership
  • Certificate IV business management
  • Certificate IV finance mortgage broking
  • NSW Real estate agent license
  • Member of Vendor Finance institute

Bachelor Degree University of Hanoi

team member
ELEANOR CLAPHAM / Project and Marketing Manager

Eleanor has had a love of property ever since working on renovations with the family while growing up. Eleanor has a background in renovation, property maintenance and has recently completed several major renovation projects in Western Sydney.

Eleanor has been with Own Don’t Rent since 2008 and receives immense pleasure from helping Australians own their own home. Eleanor has enjoyed first hand success with the  Own Dont Rent system; Eleanor bought her first home using this method and sold it within 2 years to make a sizeable profit.


  • Bachelor Degree University of Wollongong
  • Profile Accelerator Marketing course
  • Member of Vendor Finance Assosiation
  • Renovation for Profit Course
own dont rent
NICK TOTH / Mortgage Broker
Nick has been working with ODR since 2012 and, as director of Balance Home Loans, is a licensed mortgage and finance broker.
He works with our clients to prepare them for their transition from Rent to Own to the banking system. Once a client is ready, Nick will source the most suitable loan so that they can refinance over to the bank.
Nick specializes in Home Loans for Australians who may not meet mainstream banking criteria (non-conforming loans) and whose circumstances might be a little ‘outside the box’.



  • Bachelor of Communication (University Of Technology, Sydney)
  • Diploma of Finance and Mortgage Broking Management (ACOP)
  • Certificate of Registration (Real Estate Institute of NSW)
  • Certificate IV in Training and Assessment (North Sydney TAFE)
  • Member of the Finance Brokers Association of Australia (FBAA)
  • Member of the Credit and Investments Ombudsman (CIO)
  • Member of the Australian Institute of Company Directors (AICD)


  • Mortgage Brokers License
  • – REINSW
  • Vendor Finance Association