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.

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

Case Study

Who we helped

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How we helped them

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Results

Brenton's guidance and an "always on" service approach has been absolutely fantastic for my family and I. His friendly, proactive and strategic advice is always clearly explained and backed up by his support team who have been impeccable in looking after our requirements. I would recommend talking to them for...
Luke, Sydney
We have been working with Spectrum Financials for a number of years. As a young couple thinking about marriage and starting a family were wanting some guidance for long term planning. After researching a number of financial advisors we decided to go with Brenton and his team due to their...
Duncan and Rebecca, 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
Brenton Tong was a huge help managing the financial aspects of our relocation to Australia. Professional honest advice from transferring money to purchasing our home.  Brenton was there to advise us through each step making this transition seamless and worry free. Thank you, Brenton, your advice was very much appreciated....
Fran and Kevin, Perth
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
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

Results

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
Greg Suefong has turned my life around. I'd been searching for someone like Greg for a while and had spoken to various professionals, but all were disappointing. However, from the first consultation I knew Greg was "the one" and I signed up straight away without hesitation. He understood my unique...
Michelle, 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
If you require any guidance or assistance with your finances, do not hesitate to reach out to Financial Spectrum. Greg and the team at Financial Spectrum are a group of authentic, sincere, and friendly financial planners. He prioritises getting to know you by asking the right questions without being in...
Grace, Sydney
Professional and efficient service. Not all financial planners are good with people under 35 yrs old, but Financial Spectrum is.
Issa, Sydney
I initially spent a lot of time trying to find the right financial adviser, as the industry is completely saturated and everything I've previously was told has a specific agenda behind to it, pushed a certain product that benefited the adviser or just didn't make sense.  I found dealing with...
Blake, Central Coast

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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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guaranteed value

We’re so confident about creating value for you quickly, that we guarantee it with a 100% money-back guarantee.

Book a complimentary financial strategy session.