A Melbourne financial adviser. Three disciplines, one plan.
Planning, finance broking, and buyer's agent under one adviser. No handoffs between strangers.
One adviser, one set of records, three regulated capabilities.
Each pillar is a separate licensed authority. Together they remove the handoffs that usually sit between an adviser, a broker, and a buyer's agent — so the plan, the loan and the purchase happen in that order, and each one is made knowing what comes next.
The loan, the property, and the plan — one conversation.
Most buyers run a broker, a planner and a buyer's agent who never speak to each other. Here the borrowing capacity, the property shortlist and the twenty-year plan are decided together — and buyer's agent clients get the financial planning work at no additional fee.
- Fixed fee from $10,000 + GST
- Free financial planning included
- Every Australian state
- Off-market access
The order matters. Plan, find, fund.
Most clients arrive somewhere in the middle. Half a plan, a property already in mind, a pre-approval in hand. We rewind to step one. It is the only way the three pieces line up.
Plan first.
Cash flow, job security, free cash flow. What you can responsibly borrow. Free when you go on to engage the buyer's agent.
A written cash-flow picture. A borrowing-capacity note. A wealth-protection check.
Find the property.
Suburb research, off-market sourcing, inspections, negotiation. Handled by our buyer's agent partner under the same Opes engagement.
Residential, investment, or commercial. Australia-wide. Fixed fee from $10,000 + GST.
Finance the purchase.
Loan structure, lender selection from a 50+ panel, application, settlement. SMSF lending sits inside this step when relevant.
Owner-occupied, investment, commercial, SMSF, refinancing, bridging, construction.
“Most of the time, the loan, the advice, and the property end up in three different conversations. We'd rather have one. With you in the room, looking at one set of numbers, making one decision.”
What clients say.
More storiesFrom the very beginning, Balki took the time to deeply understand my complete financial picture — my portfolio, my family's earnings, and my long-term goals — before offering any advice. That thoroughness has made all the difference.
Mr. Balki has been guiding us with timely, practical financial and insurance advice for more than five years. He is highly experienced, knowledgeable, and friendly.
Balki and Opes Financial Solutions provided us with highly professional and ethical advice regarding our financial planning, investment and housing needs.
Questions people ask before they call.
The clearest one is a recommendation before a question. If an adviser names a product, a fund or a property before they have asked what you earn, what you owe and what you are trying to do, they are selling rather than advising.
After that: fees that are hard to get in writing, pressure to decide inside the meeting, and an unwillingness to say “this is not for you”. Every licensed adviser in Australia is listed on ASIC's Financial Advisers Register with their history and their licensee, and it takes about a minute to check. Ours is Authorised Representative 409415 of La Verne Capital.
Probably, and the question is worth asking rather than assuming. Some firms set minimums of $500,000 or more in investable assets, but that is a business model rather than an industry rule. Plenty of the decisions that benefit most from advice happen long before that balance exists — a first home deposit, which insurance definitions to hold, what to do with a HECS debt, whether to salary sacrifice. The first conversation is free, so the cheapest way to find out is to have it.
No. The office is at Suite 11.18, 401 Docklands Drive and Melbourne clients usually meet there at least once, but the whole engagement can run by video and regularly does — for clients across Sydney, Brisbane, Perth and regional Victoria. Documents are exchanged securely and signed electronically. The lender panel is national, so the location of the property does not change the broker.
Three separate jobs, usually done by three separate firms who never speak. A financial adviser works on the strategy — super, insurance, tax, retirement — under an AFSL. A mortgage broker arranges the lending under a credit licence. A buyer's agent finds and negotiates the property, representing you rather than the vendor.
They need different authorisations, which is why they are usually split up. Opes holds all three, so the borrowing capacity, the insurance and the purchase are decided against one set of numbers instead of three.
Yes, and there is no obligation to proceed. It is a discussion of what you are trying to do and what is in the way, not a pitch. If we are not the right fit, or if you do not need advice yet, we will say so — that is a cheaper outcome for both of us than an engagement that should not have started. All fees are set out in the Financial Services Guide and agreed in writing before any work begins.
Three disciplines. One conversation.
Have a chat with Balki. First call is free. Melbourne office or virtual. Australia-wide.