# Opes Financial Solutions — full site index Opes Financial Solutions Pty Ltd is a Melbourne advisory firm running three regulated disciplines: financial planning, finance broking, and buyer's agent services. Two advisers: Balki Balakrishnan (Principal Adviser, FAAA and FBAA) and Kruti Balakrishnan (Chartered Accountant, formerly KPMG, Deloitte and Goldman Sachs). Authorised Representative 409415 of La Verne Capital Pty Ltd (AFSL). Authorised Credit Representative 45250 of Outsource Financial Pty Ltd (ACL). Office: Suite 11.18, 401 Docklands Drive, Docklands VIC 3008. Phone 1300 67 37 37. Anything on this site is general information only. It does not take into account any individual's objectives, financial situation or needs, and it is not personal financial advice. Generated from the built site. 104 pages. ## Core Who Opes is and how to get in touch. ### A Melbourne financial adviser. Three disciplines, one plan. https://www.opesfinancialsolutions.com.au/ Financial planning, finance broking, and buyer's agent under one adviser in Melbourne. Australia-wide. Call 1300 67 37 37. ### About Opes Financial Solutions: a small firm, three full disciplines. https://www.opesfinancialsolutions.com.au/about/ Financial planning, broking, and buyer's agent firm in Docklands, Melbourne. Two advisers. Member of FAAA and FBAA. ### Two Melbourne financial advisers. One file. https://www.opesfinancialsolutions.com.au/about/our-team/ Meet the Opes advisers: Balki Balakrishnan, Principal Adviser (FAAA, FBAA), and Kruti Balakrishnan, Chartered Accountant — ex-KPMG, Deloitte and Goldman Sachs. ### A financial adviser and mortgage broker in one practice. https://www.opesfinancialsolutions.com.au/about/why-opes/ Financial planning, broking, and buyer's agent in one engagement. 50+ lender panel, free financial planning for buyer's agent clients, 30+ SMSF loans. ### Book a free consultation with a Melbourne financial adviser. https://www.opesfinancialsolutions.com.au/contact/ Call 1300 67 37 37 or 0419 506 560. Suite 11.18, 401 Docklands Drive, Docklands VIC 3008. Free initial consultation. Australia-wide service. ## Financial planning Advice under AFSL authorisation. Retirement, superannuation, tax-effective investing, debt, aged care and Centrelink. ### Financial planning services in Australia. https://www.opesfinancialsolutions.com.au/financial-planning/ Financial planning advice in Australia. Retirement, super, insurance, tax and aged care. Book a chat. ### An aged care financial adviser in Melbourne, writing it down before the decisions have to be made. https://www.opesfinancialsolutions.com.au/financial-planning/aged-care-planning/ Aged care financial planning: RAD and DAP modelling, means testing, asset structuring, and Centrelink interaction. Written advice. Book a chat. ### Centrelink financial advice and Age Pension planning. https://www.opesfinancialsolutions.com.au/financial-planning/centrelink-optimisation/ Centrelink optimisation for retirees: Age Pension, asset and income test structuring, and compliant strategies to maximise entitlements. Book a chat. ### Children's education funding, without breaking the household plan. https://www.opesfinancialsolutions.com.au/financial-planning/children-education-planning/ Plan and fund private school and university costs in Australia: education bonds, investment bonds, scholarship funds, and family trust options. Book a chat. ### Debt management advice for Australian households. https://www.opesfinancialsolutions.com.au/financial-planning/debt-management/ Debt management advice for Australian households: repayment order, good vs bad debt, consolidation, and the role of debt in wealth. Book a chat. ### Retirement planning advice from a licensed adviser. https://www.opesfinancialsolutions.com.au/financial-planning/retirement-planning/ Retirement planning across accumulation, transition-to-retirement, and pension phase. Sequencing and longevity risk addressed in writing. Book a chat. ### Superannuation advice in Melbourne and Australia-wide. https://www.opesfinancialsolutions.com.au/financial-planning/superannuation-advice/ Personal superannuation advice: fund choice, consolidation, salary sacrifice, co-contribution and contribution caps. Written advice. Book a chat. ### Tax-effective investing, sized to your marginal rate. https://www.opesfinancialsolutions.com.au/financial-planning/tax-effective-investing/ Tax-effective investing for Australian professionals: franking, negative gearing, salary sacrifice and family trusts. Sized to your marginal rate. ## Personal risk insurance Income protection, TPD, trauma, life and business cover, with a specialist focus on medical professionals. ### Personal risk insurance advice in Australia. https://www.opesfinancialsolutions.com.au/insurance/ Income protection, TPD, trauma, life, and business insurance advice from a licensed Australian financial planner. Book a free review. ### Key person insurance that funds the next decision. https://www.opesfinancialsolutions.com.au/insurance/business-insurance/ Key person insurance, buy and sell agreements, and partnership protection advice for Australian business owners. Book a chat. ### Income protection insurance in Australia. https://www.opesfinancialsolutions.com.au/insurance/income-protection/ Income protection cover advice from a licensed Australian planner. Waiting periods, benefit periods, agreed versus indemnity value, and tax. Book a chat. ### Life insurance advice in Australia. https://www.opesfinancialsolutions.com.au/insurance/life-insurance/ Term life insurance advice in Australia. TPD bundling, stepped versus level premiums, ownership, tax, and needs analysis. Book a chat. ### TPD insurance advice in Australia. https://www.opesfinancialsolutions.com.au/insurance/tpd-insurance/ Total and permanent disability cover advice. Own versus any occupation, standalone versus bundled, and how the definitions shape your claim. Book a chat. ### Trauma insurance for the recovery year. https://www.opesfinancialsolutions.com.au/insurance/trauma-insurance/ Trauma and critical illness cover advice. Heart attack, stroke, cancer. Lump-sum benefits, definitions, and exclusions. Book a chat. ## Finance broking Lending under ACL authorisation across a 50+ lender panel via Outsource Financial. ### Mortgage broker services across Australia. https://www.opesfinancialsolutions.com.au/finance-broking/ Mortgage broking across 50+ lenders. Home loans, refinancing, investment, SMSF, commercial. Whole-of-panel advice from a licensed credit rep. ### Bridging finance, for when the timing won't wait. https://www.opesfinancialsolutions.com.au/finance-broking/bridging-finance/ Short-term bridging finance for buying before selling. How bridging works, costs, risks, and when it's the right call versus alternatives. ### A car loan broker who benchmarks the dealer offer. https://www.opesfinancialsolutions.com.au/finance-broking/car-loans/ Vehicle finance for new and used cars. Chattel mortgage, consumer loan, novated lease comparison through a panel of lenders. ### Commercial property loans, with the lease read first. https://www.opesfinancialsolutions.com.au/finance-broking/commercial-property-loans/ Commercial property lending for office, retail, industrial. LVR, loan terms, commercial valuations, and SMSF commercial purchases. ### A construction loan broker who coordinates with the builder. https://www.opesfinancialsolutions.com.au/finance-broking/construction-loans/ Construction lending across the panel. Progress draws, land plus build packages, owner-builder options, and the builder requirements lenders ask for. ### First home buyer loans, with the grants checked first. https://www.opesfinancialsolutions.com.au/finance-broking/first-home-buyer-loans/ First home buyer broking. FHOG, First Home Guarantee, stamp duty concessions, LMI options, and pre-approval before you walk into an open. ### A home loan broker who writes owner-occupied lending properly. https://www.opesfinancialsolutions.com.au/finance-broking/home-loans/ Owner-occupied home loans across a 50+ lender panel. Variable, fixed, offset, comparison rates. 50+ lender panel, no fee to most clients. ### Investment property loans, structured for the portfolio. https://www.opesfinancialsolutions.com.au/finance-broking/investment-property-loans/ Investment property lending across a 50+ lender panel. P&I vs interest-only, LVR strategy, negative gearing, debt recycling, portfolio structure. ### A personal loan broker who shortlists before the application. https://www.opesfinancialsolutions.com.au/finance-broking/personal-loans/ Secured and unsecured personal loans through a broker panel. Debt consolidation, major purchases, renovations. Comparison rates shown upfront. ### Refinance a home loan with a broker. https://www.opesfinancialsolutions.com.au/finance-broking/refinancing/ Refinance with a 50+ lender panel. We'll show your current loan and the alternatives side by side on comparison rates, with break costs in the open. ## SMSF IMPORTANT: from 10 August 2026 an SMSF cannot enter a NEW limited recourse borrowing arrangement to acquire RESIDENTIAL property. Commercial LRBAs are unaffected. Existing residential LRBAs are grandfathered and may be refinanced only if the principal does not increase. An SMSF can still buy residential property outright with fund cash. ### SMSF lending, after the 2026 change. https://www.opesfinancialsolutions.com.au/smsf/ Commercial SMSF lending, plus grandfathering and refinancing advice for existing residential LRBAs. 30+ SMSF clients. Advice and lending in one place. ### SMSFs can no longer borrow to buy residential property. https://www.opesfinancialsolutions.com.au/smsf/lrba-changes-2026/ From 10 August 2026 an SMSF cannot start a new LRBA to buy residential property. What is banned, what is grandfathered, and what still works. ### SMSF borrowing rules, explained properly. https://www.opesfinancialsolutions.com.au/smsf/smsf-borrowing-guide/ Guide to SMSF borrowing. SIS Act rules, LRBAs, the single acquirable asset rule, common pitfalls, and when SMSF property does not suit. ### SMSF commercial property loans: buying your business premises through super. https://www.opesfinancialsolutions.com.au/smsf/smsf-commercial-property/ Commercial property inside super. Business real property, the 75% test, related-party leasing, and SMSF commercial lenders. Advice and lending end-to-end. ### The four SMSF lenders still active in this market. https://www.opesfinancialsolutions.com.au/smsf/smsf-lenders/ Side-by-side guide to the four specialist SMSF lenders: La Trobe, Mortgage Ezy, Pepper, Granite. LVR caps, liquidity tests, fund-balance minimums. ### SMSF property loans and LRBA lending. https://www.opesfinancialsolutions.com.au/smsf/smsf-property-loans/ SMSF property loans through a Limited Recourse Borrowing Arrangement. Bare trust, corporate trustee, specialist lenders. 30+ SMSF clients written. ### Using super to buy an investment property. https://www.opesfinancialsolutions.com.au/smsf/using-super-to-buy-property/ Using superannuation to buy an investment property. SMSF setup, LRBA borrowing structure, the end-to-end Opes process, and the common mistakes to avoid. ## Buyer's agent Property search, due diligence and negotiation, delivered with a licensed buyer's agent partner across every Australian state. Fixed fee from $10,000 + GST. ### Buyer's agent services across Australia. https://www.opesfinancialsolutions.com.au/buyers-agent/ Buyer's agent service Australia-wide via licensed partner. Fixed fee from $10,000 + GST. Free financial planning included. Free consultation. ### Buyer's agent vs real estate agent: who works for whom. https://www.opesfinancialsolutions.com.au/buyers-agent/buyers-agent-vs-real-estate-agent/ Buyer's agent vs real estate agent in Australia. Who works for whom, who pays whom, fiduciary duty, and when independent buyer representation matters. ### A commercial buyer's agent, research driven. https://www.opesfinancialsolutions.com.au/buyers-agent/commercial-property/ Commercial buyer's agent across Melbourne, Sydney and Australia. Office, retail, industrial and SMSF commercial property. Fixed fee from $10,000 + GST. ### Buyer's agent fees in Australia. https://www.opesfinancialsolutions.com.au/buyers-agent/fees/ Fixed buyer's agent fee from $10,000 + GST. Free initial consultation. Fee reduction when bundled with broking. Free financial planning for BA clients. ### First home buyer's agent services in Australia. https://www.opesfinancialsolutions.com.au/buyers-agent/first-home-buyers/ First home buyer agent. Suburb research, due diligence and negotiation, paired with broker pre-approval and grant eligibility. Fixed fee from $10,000 + GST. ### An investment property buyer's agent, briefed on research. https://www.opesfinancialsolutions.com.au/buyers-agent/investment-property/ Buyer's agent for investment property. Suburb research, rental yield, capital growth corridors and portfolio strategy. Fixed fee from $10,000 + GST. ### Off-market property in Australia: how it works. https://www.opesfinancialsolutions.com.au/buyers-agent/off-market-property/ Off-market property sourcing through a licensed buyer's agent partner. Pre-listing access, silent sales and agent networks. Fixed fee from $10,000 + GST. ## Case studies Client engagements written up in full by the adviser. Names and identifying details are changed. Outcomes are individual experiences, not indications of future performance. ### Client case studies. https://www.opesfinancialsolutions.com.au/case-studies/ Three client engagements written up in full: an integrated mortgage and financial plan, a retirement reached two years early, and why Balki became an adviser. ### Retiring in their forties — and two years ahead of plan. https://www.opesfinancialsolutions.com.au/case-studies/early-retirement-at-45/ Shravan and Anitha wanted to retire within ten years from their mid-thirties. A two-stage plan modelled to age 90 got them there two years ahead of schedule. ### They came for a home loan. They left with a roadmap. https://www.opesfinancialsolutions.com.au/case-studies/integrated-planning-mortgage/ Michael and Sarah came to Opes for a first-home loan. Structuring it alongside a full financial plan built a portfolio and cut the mortgage within seven years. ### Why I became a financial adviser. https://www.opesfinancialsolutions.com.au/case-studies/why-i-became-an-adviser/ Balki Balakrishnan on leaving a technology career for financial advice, and the clients who showed him a plan can do more than organise money. ## Audience and topic hubs Cross-pillar landing pages for particular audiences and topics. ### First home buyers in Australia: a first purchase, done properly. https://www.opesfinancialsolutions.com.au/first-home-buyer-hub/ First home buyer support across grants, pre-approval, the purchase itself and what comes after. One practice, three disciplines. Book a chat. ### A financial adviser for doctors who keep losing half their income to tax. https://www.opesfinancialsolutions.com.au/for-doctors/ Financial planning, broking and SMSF lending built around a medical career. High marginal tax, income protection and dual-loan property strategy. ### A financial adviser for Australian expats earning overseas. https://www.opesfinancialsolutions.com.au/for-expats/ Financial planning, broking and property advice for Australian expats abroad and on the way home. Non-resident lending, CGT and tax residency. ### First home buyer mortgage broker and buyer's agent. https://www.opesfinancialsolutions.com.au/for-first-home-buyers/ Broker, buyer's agent and financial plan in one place for first home buyers. Grants, schemes, stamp duty concessions and deposit options. ### A financial adviser for young professionals in Melbourne earning real money for the first time. https://www.opesfinancialsolutions.com.au/for-young-professionals/ Planning, broking and protection for 25 to 35 year-olds earning $120K plus. First home, super, salary packaging, HECS, and the case for income protection early. ### Property investment in Australia, run as one engagement. https://www.opesfinancialsolutions.com.au/property-investment-hub/ Property investment across Australia, run as one integrated engagement: buyer's agent, broking and planning under one file. Book a chat. ### Retirement planning in Australia. https://www.opesfinancialsolutions.com.au/retirement-planning-hub/ Retirement planning across super, Centrelink, aged care and the property and SMSF decisions that sit alongside them. Book a chat. ## Guides Long-form evergreen guides. ### Notes from the practice. https://www.opesfinancialsolutions.com.au/blog/ Notes and short pieces from the Opes practice on financial planning, broking, buyer's agent work and SMSF. Written as we go. ### Financial guides and resources for Australians. https://www.opesfinancialsolutions.com.au/resources/ Long-form guides on SMSF property, first home buying, retirement, income protection, refinancing and buyer's agent fees. Plain English. ### How much does a buyer's agent cost in Australia? https://www.opesfinancialsolutions.com.au/resources/buyers-agent-cost-guide/ Fixed fee, percentage of purchase price, and hybrid models compared. Worked examples at $800k, $1.2M, $1.8M, and $2.5M. What is included and what is not. ### First home buyer guide for Australia. https://www.opesfinancialsolutions.com.au/resources/first-home-buyer-guide/ Deposit scenarios, government grants and schemes, pre-approval, due diligence, the settlement timeline and what to do after settlement. ### What is income protection insurance? https://www.opesfinancialsolutions.com.au/resources/income-protection-guide/ Waiting periods, benefit periods, agreed value, own occupation, tax. A long-form Australian guide to income protection insurance from a licensed planner. ### How to refinance a home loan in Australia. https://www.opesfinancialsolutions.com.au/resources/refinancing-guide/ When to refinance and when not to. Break costs on fixed loans, the comparison rate gap, cashback offers and the step-by-step process. ### How much do I need to retire in Australia? https://www.opesfinancialsolutions.com.au/resources/retirement-planning-guide/ ASFA standards, accumulation vs pension phase, transition-to-retirement, downsizer contributions, the Age Pension, longevity and sequencing risk. ### SMSF property investment guide. https://www.opesfinancialsolutions.com.au/resources/smsf-property-investment-guide/ LRBA structure, eligibility, specialist lenders, set-up and ongoing costs, residential vs commercial — and the 10 Aug 2026 residential borrowing ban. ## Calculators Client-side estimators. Results are indicative only and are not personal advice. ### Financial calculators. Numbers first, conversation second. https://www.opesfinancialsolutions.com.au/calculators/ Borrowing capacity, home loan repayments, refinance comparison, stamp duty and investment loan calculators. Straightforward numbers, no email gates. ### Borrowing capacity calculator. https://www.opesfinancialsolutions.com.au/calculators/borrowing-capacity-calculator/ Indicative borrowing capacity based on income, household, expenses, and existing debts. Includes APRA stress-test buffer. Not a pre-approval. ### Home loan repayment calculator. https://www.opesfinancialsolutions.com.au/calculators/home-loan-calculator/ Estimate your monthly home loan repayment. Australian rates, principal and interest or interest-only, monthly fortnightly or weekly. Free to use. ### Investment loan calculator. https://www.opesfinancialsolutions.com.au/calculators/investment-loan-calculator/ Investment property loan repayment plus indicative net cashflow, gross yield and negative-gearing tax benefit. Year-1 estimate. ### Refinance calculator. https://www.opesfinancialsolutions.com.au/calculators/refinance-calculator/ Compare your current home loan rate against a new one. See the monthly saving, the break-even on switching costs, and the total saved over the term. ### Stamp duty calculator. https://www.opesfinancialsolutions.com.au/calculators/stamp-duty-calculator/ Estimate stamp duty across all 8 states and territories. Owner-occupier, investor, or first-home buyer. Indicative mid-2025 brackets. ## Locations served Office is in Docklands, Melbourne. Other locations are served virtually across Australia. ### A buyer's agent service for Adelaide, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-adelaide/ Buyer's agent for Adelaide across inner-east, southern coastal and northern growth corridors. Fixed fee from $10,000 + GST. Partner licensed. ### A buyer's agent service for Brisbane, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-brisbane/ Buyer's agent for Brisbane across inner-east, middle-ring and growth corridors. Fixed fee from $10,000+GST, free initial consultation. ### A buyer's agent service for Canberra, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-canberra/ Buyer's agent for Canberra across inner-north, inner-south and suburban districts. Fixed fee from $10,000 + GST. Partner licensed. ### A buyer's agent service for the Gold Coast, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-gold-coast/ Buyer's agent for the Gold Coast across beachside, central and hinterland belts. Fixed fee from $10,000+GST, free initial consultation. ### A buyer's agent service for Hobart, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-hobart/ Buyer's agent for Hobart across inner, eastern shore and southern belts. Fixed fee from $10,000+GST, free initial consultation. ### A Melbourne buyer's agent that connects to your finance and plan. https://www.opesfinancialsolutions.com.au/buyers-agent-melbourne/ Buyer's agent for Melbourne. Inner-east, bayside, growth corridors. Fixed fee from $10,000+GST. Free FP for buyer's agent clients. ### A buyer's agent service for Newcastle, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-newcastle/ Buyer's agent for Newcastle, Lake Macquarie and the Hunter Valley through a licensed partner. Fixed fee from $10,000 + GST, free initial consultation. ### A buyer's agent service for Perth, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-perth/ Buyer's agent for Perth across western suburbs, coastal corridor and eastern growth. Fixed fee from $10,000+GST, free initial consultation. ### A buyer's agent service for Sydney, built into a wider plan. https://www.opesfinancialsolutions.com.au/buyers-agent-sydney/ Buyer's agent for Sydney across inner-west, North Shore, eastern suburbs, Northern Beaches and growth corridors. Fixed fee from $10,000+GST. ### A financial planner for Adelaide clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-adelaide/ Financial planner for Adelaide clients, virtual consultations only. Retirement, super, insurance and SMSF strategy across South Australia. ### A financial planner for Brisbane clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-brisbane/ Financial planner for Brisbane clients, virtual consultations only. Retirement, superannuation, insurance and SMSF strategy across Queensland. ### A financial planner for Canberra clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-canberra/ Financial planner for Canberra clients, virtual consultations only. Public-sector salary packaging, defined-benefit super, SMSF and retirement across the ACT. ### A financial planner for Gold Coast clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-gold-coast/ Financial planner for Gold Coast clients, virtual consultations only. Retirement, super, insurance and SMSF strategy across south-east Queensland. ### A financial planner for Hobart clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-hobart/ Financial planner for Hobart clients, virtual consultations only. Retirement, super, insurance and SMSF strategy across Tasmania. ### Financial planner in Melbourne, working Australia-wide. https://www.opesfinancialsolutions.com.au/financial-planner-melbourne/ Melbourne-based financial planner offering retirement, super, and insurance advice. In-person meetings in Docklands or virtual across Australia. ### A financial planner for Newcastle clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-newcastle/ Financial planner for Newcastle and the Hunter, virtual consultations only. Retirement, super, insurance and tax-effective investing across NSW. ### A financial planner for Perth clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-perth/ Financial planner for Perth clients, virtual consultations only. Retirement, superannuation, insurance and SMSF strategy across Western Australia. ### A financial planner for Sydney clients, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-planner-sydney/ Financial planner for Sydney clients, virtual consultations only. Retirement, super, insurance and SMSF strategy across NSW. ### A financial adviser for Darwin, delivered virtually. https://www.opesfinancialsolutions.com.au/financial-services-darwin/ Financial planner, mortgage broker and buyer's agent for Darwin and the NT, delivered virtually. Combined planning, broking and property services. ### A financial adviser for Geelong, with occasional in-person visits. https://www.opesfinancialsolutions.com.au/financial-services-geelong/ Mortgage broker, financial planner and buyer's agent for Geelong and the Bellarine. Virtual by default, with occasional in-person visits from Docklands. ### A mortgage broker for Adelaide borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-adelaide/ Mortgage broker for Adelaide clients, virtual service with a 50+ national lender panel. Home loans, refinancing, investment, SMSF. ### A mortgage broker for Brisbane borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-brisbane/ Mortgage broker for Brisbane clients, virtual service with a 50+ national lender panel. Home loans, refinancing, investment, SMSF. ### A mortgage broker for Canberra borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-canberra/ Mortgage broker for Canberra clients, virtual service with a 50+ national lender panel. APS income, home loans, refinancing, investment, SMSF. ### A mortgage broker in the Docklands precinct. https://www.opesfinancialsolutions.com.au/mortgage-broker-docklands/ Mortgage broker based in Docklands. Walk-in appointments at Suite 11.18, 401 Docklands Drive. Home loans, refinancing, investment, SMSF. ### A mortgage broker for Gold Coast borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-gold-coast/ Mortgage broker for Gold Coast clients, virtual service with a 50+ national lender panel. Home loans, refinancing, investment and SMSF lending. ### A mortgage broker for Hobart borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-hobart/ Mortgage broker for Hobart clients, virtual service with a 50+ national lender panel. Home loans, refinancing, investment and SMSF lending. ### A Melbourne mortgage broker with a 50+ lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-melbourne/ Melbourne mortgage broker with a 50+ lender panel. Home loans, refinancing, investment and SMSF lending. Docklands office or virtual. ### A mortgage broker for Newcastle borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-newcastle/ Mortgage broker for Newcastle and the Hunter, virtual service with a 50+ national lender panel. Home loans, refinancing, investment, SMSF. ### A mortgage broker for Perth borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-perth/ Mortgage broker for Perth clients, virtual service with a 50+ national lender panel. Home loans, refinancing, investment, SMSF. ### A mortgage broker for Sydney borrowers, on a national lender panel. https://www.opesfinancialsolutions.com.au/mortgage-broker-sydney/ Mortgage broker for Sydney clients, virtual service with a 50+ national lender panel. Home loans, refinancing, investment, SMSF. ## Trust Client words, reproduced with consent. ### In our clients' words. https://www.opesfinancialsolutions.com.au/testimonials/ What clients say about working with Balki Balakrishnan and Opes Financial Solutions across financial planning, broking, and buyer's agent services. ## Compliance Regulatory documents. ### Credit Guide. https://www.opesfinancialsolutions.com.au/credit-guide/ Credit Guide for Opes Financial Solutions. Credit broking services, fees, commissions, dispute resolution. Authorised under Outsource Financial's ACL. ### General advice disclaimer. https://www.opesfinancialsolutions.com.au/disclaimer/ Our general advice warning, AFSL and ACL disclosures, and Product Disclosure Statement references. Read before acting on information published on this site. ### Financial Services Guide. https://www.opesfinancialsolutions.com.au/financial-services-guide/ Our Financial Services Guide explains who we are, the advice we provide, how we are paid, and how to contact us, as required under our AFSL authorisation. ### How we handle your personal information. https://www.opesfinancialsolutions.com.au/privacy-policy/ How Opes Financial Solutions collects, uses, stores, and discloses personal information across our financial planning, broking, and buyer's agent services. ### Website terms and conditions. https://www.opesfinancialsolutions.com.au/terms-and-conditions/ The terms of use for the Opes Financial Solutions website, including general advice warnings, intellectual property, and limitation of liability.