Start your Journey to Financial Freedom

Debt-free in a decade? You betcha!

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Rated 5 from 36 Reviews

Home Loans

We're experts helping everyday Aussies get into their home sooner with a range of Home Loans

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Home Loans

Investment Loans

Secure the right Investment Loan to buy an investment property or expand your portolio

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Investment Loans

First Home Buyers

Access Home Loan Options, First Home Owner Grants and Incentives

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First Home Buyers

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Our Services

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

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Investment Loans

We have access to hundreds of investment loan options, let us help you with your investment loan

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Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there

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First Home Buyers

We can help you understand what grants and discounts you're eligible for and get you into your first home

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Construction Loans

Turn your building plans into a reality with a construction loan

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Commercial Loans

Time to grow your business? Learn how a commercial loan can help fund your business growth

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Business Loans

Time to grow your business? We can help you grow with a business loan

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Equipment Finance

Need to buy a vehicle or equipment? We can help with Equipment Finance

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Judy Vuong


Tom Sorrell

Had a great experience with Dale @ The Finance Architect, who helped us secure a competitive rate for our first home. Dale was extremely diligent, professional and responsive throughout the process. Highly recommend!


Michael Bierwirth

Dale at The Finance Architect has worked for us on two home loans, the most recent in July 2018. On both occasions, he’s done a fantastic job of making what can be a complicated process feel very simple. He worked incredibly hard to ensure the best rates for us, dealt with the banks on our behalf, and was extremely easy to deal with. A big thanks to Dale for everything and look forward to working together again in future!

Not sure where to start?

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It's no secret that many Australian's retire with just enough in their super to pay out their remaining mortgage and need to watch their pennies for the rest of their life. Our aim is to change people's mindsets, to show them what's possible and set them up to achieve a life and lifestyle they're proud of.The Finance Architect is a mortgage brokerage committed to helping everyday Australians avoid retiring broke by encouraging them to dream big and be educated on how to pay off their family home and safely utilise leverage to build a passive income through property investing.We love teaching and educating and get an enormous thrill from seeing our clients dreams become reality.So no matter what your existing ideas around money are, we'll work with you and help you with debt reduction, wealth creation and lifestyle strategies that allow you to live the life you choose and not the life that chose you.

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Frequently Asked Questions

What's the best interest rate?

The best interest rate varies from person to person based on individual circumstances. A larger deposit and borrowing less than 80% of the property value can help secure more favourable rates. However, the interest rate is just one of several factors we consider when making recommendations. Other factors include lending products, service quality, turnaround times, flexibility, and lender policies. Our goal is to ensure our clients don't overpay, so we frequently request better pricing from lenders during regular loan reviews.

My business financials aren't up-to-date, can I still secure financing?

Yes, you can. Depending on factors such as GST registration and the length of time your ABN has been established, it may be possible in some cases to use financials from the previous financial year. Some lenders also offer financing without financials, provided your BAS is current and the numbers align. Understanding which lenders are more accommodating to self-employed applicants is crucial, and our expertise can guide you through these types of applications.

Do you impose any fees?

In general, no. However, there are exceptions that depend on the complexity of your situation and whether we will receive compensation for our services. Any applicable fees will be transparently communicated to you at an early stage.

How much deposit do I need?

The notion that a 20% deposit is mandatory is a misconception. Depending on your circumstances, the minimum deposit is often just 5%. We will advise you on the required deposit during your initial appointment with us. If you have a family guarantor, it may even be possible to buy property with no deposit at all. Feel free to contact us for more information.

Why Choose a Mortgage Broker Over a Bank?

In brief, it's all about choice (with access to 50 lenders), service (our unwavering commitment to supporting you, not just for the immediate transaction but also your long-term goals and objectives), and advice (our expert guidance tailored to your unique needs). Banks simply can't compete with our offerings. Moreover, we are obligated to act in your best interests, in line with the recently introduced Best Interest Duty (BID), a requirement that banks cannot fulfill.

What sets you apart from other mortgage brokers?

To be frank, writing a home loan isn't particularly challenging; our value lies in the ongoing service we offer. We proactively review our clients' loans and portfolios, identifying opportunities for you to expedite debt repayment, amass wealth, or enhance your lifestyle.

Is it genuinely possible to pay off my loan in 10 years?

Absolutely! Like anything worthwhile, it requires commitment and sacrifice, but the prospect of being debt-free in a decade sounds appealing, doesn't it?

We don't reside in Victoria. Can you still assist us?

Absolutely, no problem. Our services are entirely digital, and our appointments are primarily conducted online. We have clients from all over Australia, and even some based overseas, so your location poses no hindrance.

Someone suggested I should be purchasing property within my SMSF. Can you assist with this?

Yes, we can. The SMSF (Self-Managed Super Fund) space is currently a trending option, and we work with several lenders who operate in this market. If you already have SMSF lending, when was the last time you reviewed it? We've seen substantial savings for clients who were able to secure significant interest rate reductions. If you haven't had your SMSF loan reviewed, it's in your best interest to schedule a Loan Review with us.

How long does it take to secure loan approval?

This varies. We can expedite the application process as much as you can, but the timeline ultimately depends on your chosen lender. Some lenders can process applications within hours, while others may take anywhere from 3 to 14 business days. Bank turnaround times can occasionally influence our recommendations, especially if you have a specific timeframe in mind.

I'm uncertain if I'm ready; can you assist in developing a purchase plan?

Certainly. We encounter many people in a similar situation, whether they're not quite ready but have a goal, or they're unsure about their readiness. We'll guide you every step of the way, speaking in plain language while explaining the necessary steps for obtaining financing.

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