Okay, let’s tackle this. So Vivien has 14 years of experience as a mortgage specialist, which is a solid foundation. However, the specific job title and industry don’t provide a clear benchmark for hourly rates. Mortgage specialists can vary widely in their earnings depending on factors like location, experience, and specific services offered. Given the location (Greater Sydney Area) and the role (Mortgage Specialist), a rough estimate would be around $75-$125 per hour, which is on the lower end of the scale. However, without more specific information on her skills, certifications, or specific services offered, it’s challenging to provide a more accurate estimate.