How we can help
Our Lending team will work with you to understand your main drivers for property ownership. Together, we can plan the best strategy from the pre-purchase stage through to transferring the asset debt-free to the family when the time is right.
We have significant experience working with; first-home buyers, mums & dads, high-net-worth individuals, corporate institutions & land developers, and advising businesses on ways to manage debt & grow.
Here are some of the common Mortgage Broking & Lending services we provide:
- Buying a home or investment property
- Renovating, constructing and development finance
- Business & commercial lending
- SMSF & Self Employed
- Debt structuring or restructuring for investment or business debt
- Lender research & negotiation (including non-bank)
- Loan document administration & processing
- Loan strategy advice & education
- Consultancy & Financial Controller (Developers or Business Owners)
Book an Introductory Chat
This is a quick 15-minute chat to understand your needs without overcommitting to anything formal until you’re ready.
Use the calendar provided to book a time that best suits you. From there, our team will call you at the allocated time to discuss your needs and goals.
Overcome the barriers
We believe there are three main barriers holding each of us back when it comes to achieving our financial goals;
Education, Motivation & Time.
Our goal at Finspective is, not only to advise you but to give you the tools so you can overcome these barriers.
When you understand your money and have a trusted person coaching you & taking away the grunt-work, it really is quite empowering & easy to achieve your goals.
We will show you your options, not tell you what you should do. We display your current position & future objectives, so you can visually track & choose the best pathway for you.
You will be able to make better decisions when you are not overwhelmed, scared or basing them on mixed information. We grow your knowledge with relatable content and easy-to-understand language, allowing you to choose actions for you, without fear or favour.
Achieving your lifestyle or financial goals don’t just happen without some hurdles & work along the way, but you will get there.
Like a personal trainer, we will be there to motivate, guide, support and always point you in the right direction.
Time is a barrier we help you to overcome in many ways. The obvious being taking away research, administration & paperwork when managing your money.
We will give you additional time back by helping you to get your decisions right the first-time & stop you doing financial tasks the long way.
Service options & Costs
The lending services that we provide are tailored to your needs. The commission &/or fees we receive are calculated by the level of debt or relationship you require.
We can receive payments in two ways; directly from a product provider or paid by you, debited from either your bank account, investments or super account (where eligible).
Before we provide any financial lending services, we’ll make sure the following is crystal clear:
- Upfront loan commissions
- Ongoing loan commissions
- Upfront advice fees payable by you
- Ongoing advice fees payable by you
- Any other payments received
Product payments received are generally based on the value of the product that you apply for. By law, we will only ever recommend a product that is appropriate for you, regardless of payment.