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FINANCIAL PLANNING SERVICES

Mortgage and Borrowing

Whether you’re a first-time homebuyer or a seasoned property investor exploring opportunities within your SMSF, our dedicated team of in-house mortgage brokers are committed to securing competitive mortgage and finance solutions that align perfectly with your wealth creation strategies.

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Home loans

Buying property can be stressful enough without the array of loan options, confusing applications and dealing with all of the parties involved. We’ll get you the right solution for your needs and ensure a straightforward and seamless experience.

First home buyer loans

Buying your first home can feel daunting and stressful. We are here to guide you and teach you everything you need to know about getting your first home loan with ease.

Investment property loans

We understand the importance of structuring finance to support your investment strategy. We provide straightforward advice on the right finance products that will help you to maximise your property portfolio.

SMSF loans

We know how important it is to have the right finance strategy to leverage your SMSF. We strip out the complexity and advise on the right finance products that will help you to maximise your investment portfolio.

Motor vehicle and equipment loans

Whether you need a new car or an entire plant of equipment, we can provide straightforward asset finance advice. From personal loans to novated leases, we can help with all of your business and personal finance needs.

Debt consolidation and refinancing

Having the right debt structures in place could save you thousands of dollars. We can structure your debts to suit your financial situation, saving you money and putting you in control.

Financial Spectrum’s mortgage and borrowing solutions

At Financial Spectrum, we are committed to helping you reach your financial and lifestyle goals by securing competitive finance options.  Our team of in-house mortgage brokers offer comprehensive lending solutions, including home loans, first home buyer loans, investment property loans, SMSF loans and motor vehicles loans.

But what truly sets us apart is the integrated and seamless experience that we offer. The unique synergy between Financial Spectrum’s experienced mortgage brokers, financial advisors and accountants enables us to offer holistic financial solutions that boost your financial standing and streamline your finances.

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How we partner with you

At Financial Spectrum, our services extend beyond securing loans; we guide you in making informed debt decisions, create a tailored repayment strategy, and ensure your debt structure remains optimal. With our in-house mortgage partner, you’ll experience a seamless process, from initial consultation to settlement. Drawing from our extensive banking expertise, we meticulously evaluate lenders’ rates, features, and terms to find the perfect solution for you.

Our intimate knowledge of banks’ criteria allows us to position your application favourably, ensuring no declined applications and safeguarding clients’ credit scores. Recognising the stress associated with property purchases and financing, we collaborate with our in-house finance partners to simplify the process, saving you time, stress, and money.

WE'RE AWARD WINNING FINANCIAL PLANNERS AND ADVISORS

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Case Study

Who we helped

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How we helped them

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Results

Was sceptical at first but was extremely pleased with every part of my experience. All the staff were friendly and helpful especially Hanna. The planner, Brenton was very knowledgeable and made everything easy for me with little finance knowledge able to understand.  Highly recommend for everyone!
Michael, Sydney
Brenton Tong from Financial Spectrum is one of the most passionate of financial planners I have met through my accounting network. Brenton’s knowledge on markets, property, superannuation and the world economy is amazing which gives me the greatest confidence in referring my client to Brenton for wealth creation strategy and...
Rozalin, Sydney
The team at Financial Spectrum are experts in a complex area: specialising in creating financial solutions for up and coming young executives. They recognise that this group have special needs, and their wealth creation strategies and tax solutions are tailored specifically to suit. They are about strategy, not just products....
Toby, Sydney
We were referred to a financial planner at Financial Spectrum by a friend of ours. We are so glad that we contacted them. We can honestly say that booking that first appointment was a turning point in our lives.
Patrick and Louise, Sydney
I had the pleasure of meeting Greg from Financial Spectrum, who impressed me with his professionalism and attentive listening skills. He provided invaluable insights into the intricate web of financial decision-making, which ultimately enabled me to purchase my first home. I'm thrilled about the prospects of my future, and I...
Elisabeth, Sydney
Brenton is a smart, savvy and friendly advisor who has worked closely with me to understand my financial drivers and aspirations, and to create a whole new financial trajectory for my future during the past three years.
Alison, Sydney

Results

Brenton Tong from Financial Spectrum is one of the most passionate of financial planners I have met through my accounting network. Brenton’s knowledge on markets, property, superannuation and the world economy is amazing which gives me the greatest confidence in referring my client to Brenton for wealth creation strategy and...
Rozalin, Sydney
After talking to four financial planning firms, we engaged Greg from Financial Spectrum to help develop our first financial/ wealth planning strategy. We've found his advice to be quite strategic, realistic and on-point such that it thoroughly considers our short-term and long-term goals. I especially appreciate Greg taking our adhoc...
Nakul, Sydney
We have been clients of Brendon for over a year now and how our lives have changed. Previously we could see no possible way we would be able to retire comfortably and be debt free, but Brendon gave us a road map to get to that point in four years....
Michael, Sydney
The team at Financial Spectrum have been a huge help to my wife and I. Our planner has given really helpful advice including the development of a SMSF. We feel like he has taken considerable time to understand our unusual circumstances and has tailored to them. We feel understood, significantly...
Chris and Kerry, Sydney
We were cruising and wanted help to take charge and make some big financial decisions. Financial Spectrum took care of the boring parts to get it down to the key decisions to make. And we knew their recommendations were impartial, which was really good.
Jessica, Sydney
I have really enjoyed working with Brenton and the Financial Spectrum team. Meeting with Brenton has provided us with value that spans well beyond just purchasing an insurance product. He has provided fantastic guidance in our wealth building journey and has been a great contribution to both my partner and...
Nicole, Sydney

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Frequently asked questions

Mortgage brokers work with multiple lenders, offering you a wider range of loan options. They also provide personalised guidance and can help you find the best loan terms, features and rates tailored to your specific financial strategy.

The right choice of mortgage structure depends on your financial goals, risk tolerance and preferences.  If you value stability, consider a fixed-rate mortgage. If you’re comfortable with rate fluctuations and want to take advantage of lower rates, an adjustable-rate mortgage may be suitable. Your advisor can provide personalised guidance based on your needs, financial strategy and the current market conditions.

Home loan pre-approval is a preliminary assessment by a lender indicating how much they are willing to lend you. It’s important because it helps you understand your budget when house-hunting and can enhance your offer’s appeal to sellers.

Pre existing conditions

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The Information provided is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information presented you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. We highly recommend you seek professional advice to check how the information relates to your unique circumstances. Financial Spectrum is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of, or reliance on, the information provided.

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