A financial adviser and mortgage broker in the same person.
Most people turn up juggling a financial adviser, a mortgage broker and a buyer's agent who have never spoken to each other. You end up being the messenger between them. We'd rather hold the lot — planning first, with the loan and the property following on from it.
Three things we can do that most firms can't.
One person, start to finish
One file, one adviser, one set of notes. Balki holds all three authorisations, so the loan is set up to suit the plan, and the property is bought to suit the loan.
Your plan free if we buy for you
Use us as your buyer's agent and the financial planning costs you nothing extra. Before $800K to $2M leaves your account, someone needs to check the numbers anyway — so we'd rather it be done properly.
Super fund lending, both halves
More than 30 of these loans written. Balki does the strategy and the lending. A broker on their own can only do the loan; an adviser on their own can only do the advice.
Three firms in your inbox, or one.
Going to three separate firms means three lots of sign-up forms, three rounds of the same questions about your finances, three stacks of compliance paperwork, and three conversations that never quite add up to the same answer. Here it's one of each.
There's an honest catch: a small firm can only take on so much. That's why it starts with a free call — so both of us can work out whether this is a fit before anyone commits.
One main service, two that support it.
Each one sits under its own licence. The formal wording is printed on every card below, so you can check it.
Financial Planning
Written advice on retirement, super, insurance, paying down debt, investing tax-effectively, aged care and Centrelink.
Finance Broking
More than 50 lenders compared through Outsource Financial — ANZ, NAB, ME Bank, Bendigo Bank, Mortgage Ezy and La Trobe among them.
Buyer's Agent
Finding the place, checking it properly and doing the negotiating — with a licensed partner firm that works in every Australian state.
Super fund lending: advice and loan in one place.
A broker on their own can arrange the loan but isn't licensed to give you the strategy. An adviser on their own can set the fund up but has to send the loan elsewhere. We do both, in one go.
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The buyer's agent fee gets smaller the more we do.
The buyer's agent fee is fixed, starting at $10,000 plus GST. If we're also doing your planning or your loan, that fee comes down.
The reason is simple enough: the planning conversation and the loan work are happening regardless. It would be a bit rich to bill you twice for the same hours.
Who this suits.
Most of our clients earn $200,000 or more and work in professional jobs. There's a particular focus on doctors and specialists — along with younger professionals, Australians living overseas, people nearing retirement, and small business owners.
Loans usually land between $500K and $800K. Properties we buy for people, between $800K and $2M.
Easiest way to test it: a free call.
Half an hour, by phone, video or in the Docklands office. If it's not a fit, that's the end of it — no sales sequence afterwards.