A financial adviser and mortgage broker in one practice.
Most clients arrive juggling a financial adviser, a mortgage broker, and a buyer's agent who do not talk to each other. Opes fixes that without making you change three providers.
Three concrete things the firm does that the competition cannot.
A single point of contact
One file, one principal, one set of advice notes. Balki holds all three disciplines, so the loan strategy reflects the planning advice and the property purchase reflects the loan structure.
Free financial planning for BA clients
When you engage Opes as your buyer's agent, the financial planning piece runs at no extra fee. Before $800K to $2M leaves your account, the cash-flow and capacity conversation has to happen anyway.
End-to-end SMSF
30+ SMSF loan clients. Balki provides both the SMSF strategy advice and the SMSF lending under one engagement. Standalone brokers and advisers can only do half each.
Three firms in your inbox, or one.
A typical client journey across three separate firms involves three onboarding processes, three fact-finds, three sets of compliance documents, and three conversations that never quite reconcile. Opes runs one of each.
The trade-off is honest: a deliberately small firm has finite capacity. Engagement starts with a free initial call so both sides can decide whether the fit is right.
Three pillars, one engagement.
Each pillar has its own licensed authority. Below, the formal authorisation line is included on every card.
Financial Planning
SoA work covering retirement, super, insurance, debt management, tax-effective investing, aged care, and Centrelink.
Finance Broking
Access to 50+ lenders via Outsource Financial. ANZ, NAB, ME Bank, Bendigo Bank, Mortgage Ezy, La Trobe.
Buyer's Agent
Search, due diligence, negotiation, delivered with a licensed third-party buyer's agent operating in every Australian state.
End-to-end SMSF: advice and lending in one place.
Standalone brokers can arrange the loan but not the strategy advice. Standalone advisers can set up the SMSF but cannot arrange the lending. Opes does both, under one engagement.
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
A buyer's agent fee that gets smaller when you use more of Opes.
The buyer's agent fee is fixed from $10,000 plus GST. Engage Opes for financial planning or broking alongside it and the fee comes down.
The structural reason: the planning conversation and the loan structuring are happening anyway. Bundling means Opes is not charging you twice for overlapping work.
Built for high-income professionals.
Typical Opes client: $200K+ income, white-collar professional. Niche focus on doctors and specialist doctors. Also young professionals, expats, pre-retirees, and small business owners.
Typical broker loan size $500K to $800K. Typical buyer's agent property price $800K to $2M.
The way to test all of this is a free call.
30 minutes. Phone, video, or Docklands office. No follow-up sales sequence if it is not a fit.