Mortgage broker services across Australia.
Most mortgage broker conversations in Australia stop at the rate. At Opes the conversation starts with the rest of the picture: cash flow, tax structure, property strategy.
Loans we arrange.
Eight loan categories written regularly. Each one structured against the rest of your finances, not in isolation. First buyers usually start from the first home buyer hub; investors from the property investment hub.
Home loans
Owner-occupied lending. Variable, fixed, offset, redraw. Structured to your cash flow, not the headline rate.
Refinancing
Rate, cashback, structure changes, equity release. We ask annually so your file does not stagnate.
First home buyer loans
FHOG, FHLDS, stamp duty concessions. Paired with pre-approval before you walk into a property.
Investment property loans
Interest-only, P&I, LVR strategy. Structured so the tax and the cash flow both work.
Commercial property loans
Office, retail, industrial. Including business real property held inside an SMSF.
Construction loans
Progress draw, land and build packages. Coordinated with builder, solicitor, and valuer.
Bridging finance
Buy-before-sell facilities. Useful when the timing is tight and the equity is sitting in the old place.
Car and personal loans
Chattel mortgage, consumer, novated comparison. Secured and unsecured personal lending.
50+ lender panel via Outsource Financial.
Access to the full panel is through Outsource Financial as aggregator. The lenders we write to most often, and the SMSF specialists, are listed below.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
How the process runs.
Five steps. The first conversation is free and no paperwork is needed to start. For a rough number before the chat, the home loan repayment calculator and the refinance calculator get you halfway there.
- 01First conversation
Free, no obligation. 20 minutes to scope the brief and produce a borrowing capacity figure.
- 02Capacity and structure
Cash flow read, tax structure check, sizing the loan against your goals.
- 03Lender shortlist
Two or three lenders with comparison reasoning. Not just the cheapest headline rate.
- 04Application to unconditional
Submission, lender liaison, conditional then unconditional approval.
- 05Settlement and annual review
Coordinated with solicitor and buyer's agent where relevant. Reviewed every 12 months.
SMSF lending is our quiet specialty.
30+ SMSF loan clients written. The only pillar where advice and lending sit with the same practitioner. Most brokers refer SMSF out. We do not.
Credentials and licensing.
- Practitioner
- Balki Balakrishnan
- Experience
- 12+ years in finance broking
- Membership
- FBAA
- Authorisation
- CR 45250 of Outsource Financial Pty Ltd
- Office
- Suite 11.18, 401 Docklands Drive, Docklands VIC 3008
- Service area
- Australia-wide, virtual or in person
For credit-related disclosures, see the Credit Guide.
Straight answers on broking.
Brokerage is paid by the lender at settlement. There is no fee to the client for a standard home loan. Any exception is disclosed upfront and in writing. See the Credit Guide for full details.
An indicative borrowing capacity figure takes about 20 minutes. Formal pre-approval depends on the lender, typically 3 to 10 business days once all supporting documents are in.
Capacity, structure, policy fit, then price. The cheapest headline rate is not always the right loan. The shortlist comes with comparison reasoning so you understand why each lender is on the page.
Yes. 30+ SMSF loan clients written to date, using a specialist lender panel. SMSF is the only pillar where advice and lending sit with one adviser under one fee conversation. See the SMSF hub.
Two recent payslips, the last two years of tax returns if self-employed, a list of current debts, three months of transaction statements, and ID. We send a checklist after the first call.
Yes. The office is in Docklands. Files are written virtually across Australia between 8am and 7pm AEST, or in person if you are in Melbourne.
Continue reading
- RefinancingRate, structure, cashback, equity release.
- First home buyer loansFHOG, FHLDS, stamp duty concessions.
- Investment property loansInterest-only versus P&I and LVR strategy.
- Construction loansProgress draw and land plus build packages.
- SMSF lendingSpecialist lender panel and end-to-end advice.
- Borrowing capacity calculatorQuick figure before you walk into a property.
Get a borrowing figure before you bid.
A 20-minute conversation gives you an indicative capacity. Free, no paperwork to start.