A financial adviser for Geelong, with occasional in-person visits.
One practice, three services. Financial planning, mortgage broking and buyer's agent through a licensed partner. Close enough to Melbourne that in-person meetings are an option for Geelong clients when they make sense.
How we work with Geelong clients.
The default is virtual. Zoom or Teams, secure document upload, electronic signatures. Most Geelong files run end-to-end without a single in-person meeting and there is no service penalty for choosing that path.
Where it helps, we will meet in person. Some clients prefer to come up to Docklands for the strategy meeting or Statement of Advice walkthrough. The drive is around an hour each way down the M1, and we keep evening slots open for clients who want to combine the meeting with a CBD trip.
Less often, we travel to Geelong for client-driven reasons such as a property inspection scheduled around a meeting, or a household where two parties need to be in the room. It is not the standard mode of working, but it is available where the file warrants it.
Geelong is the exception. Close enough to Melbourne for occasional in-person.
Our other interstate and intrastate pages frame the service as virtual-only, because that is the honest description for Sydney, Brisbane, Perth, Adelaide, Canberra, Hobart, Newcastle and Darwin. Geelong is the one exception. The hour-down-the-M1 drive is reasonable, and where a file genuinely benefits from in-person work, we do not pretend otherwise.
We are also clear that virtual delivery is not a downgrade. Most Geelong clients still default to video because it is simpler and faster. The point is that the in-person option exists when it matters, not that it is the right answer for every file.
- Video meetings as default.
- In-person at Docklands by booking.
- Occasional travel to Geelong where the file warrants it.
What we do for Geelong clients.
Financial planning
Retirement, super, insurance and tax-effective investing. Delivered as an Authorised Representative of La Verne Capital.
Mortgage broking
Home loans, refinancing, investment and SMSF lending through a 50+ lender national panel. Geelong loan profile sits well below Melbourne inner-ring on average.
Buyer's agent
Through a licensed partner. The licence sits with the partner, not Opes personally. Inspections, due diligence and negotiation are conducted by the licensed partner.
Geelong clients we work with.
Inner Geelong households in Newtown and East Geelong. Highton families on the upper-end owner-occupier briefs. Belmont owner-occupier and investment files. Drysdale and the Bellarine for lifestyle and second-property briefs.
A meaningful share of the book is Melbourne relocators who moved down the highway in the last five years. The cash-flow shape on these files often still carries a Melbourne mortgage in the background, and the planning work usually begins with how the household wants to deploy the new surplus. The borrowing capacity calculator and refinance break-even tool together cover most of the early questions.
Self-employed trades, small-business owners around Geelong's industrial belt, and dual-income professionals working at Deakin and Barwon Health are all common files. Investment lending into Brisbane and SE Queensland is a steady thread, often routed through the wider property investment hub.
What we cover.
Retirement and super
Drawdown sequencing, transition-to-retirement, fund selection and consolidation. Common starting brief for Geelong pre-retirees.
Personal risk insurance
Income protection, TPD, trauma, life cover. Sized to the household, not to a premium target.
Owner-occupier and investment lending
Home loans across Geelong, Bellarine and Surf Coast. Investment loans for Geelong clients buying interstate.
Refinancing
Rate review, equity release, debt consolidation. Geelong loans held more than two years are often above market.
SMSF lending
LRBAs through specialist SMSF lenders for Geelong trustees. Coordinated with the trustee's accountant.
Buyer's agent (partner)
Through the licensed partner. Used for Geelong-area briefs and for interstate purchases under the same engagement.
What Geelong clients usually ask first.
Continue reading
- Financial planning pillarFull scope, fees and process for the planning side.
- Finance broking pillar50+ lender panel. Every loan product, every state.
- Buyer's agent pillarPartner model explained. National reach.
- Melbourne financial plannerOur home office. In-person available in Docklands.
- Melbourne mortgage brokerSame Melbourne file structure, in-person available.
- Why clients choose OpesThree concrete things the firm does that competitors cannot.
Start with a free first call.
Thirty minutes by video, or in-person in Docklands if it suits. Same conversation either way.