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Debt-free in a decade? You betcha!

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Rated 5 from 71 Reviews

Investment Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies secure the right Investment Loan to buy an investment property

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Investment Loans

Home Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies get into their home sooner with a range of Home Loan options

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Home Loans

First Home Buyers

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies access Home Loan Options, First Home Owner Grants and Incentives

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First Home Buyers

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Our Services

Investment Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies secure the right Investment Loan to buy an investment property

Find out more..

Home Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies get into their home sooner with a range of Home Loan options

Find out more..

Refinancing

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies refinance their Home Loan or Investment Loan

Find out more..

First Home Buyers

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies access Home Loan Options, First Home Owner Grants and Incentives

Find out more..

Commercial Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies purchase a property, equipment or business with a Commercial Loan

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Construction Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies fund their new build or renovation with a Construction Loan

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Business Loans

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies grow their business and purchase equipment with a Business Loan

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Equipment Finance

We're expert Mortgage Brokers based in Oakleigh, Victoria helping everyday Aussies purchase a new vehicle, plant or machinery with Equipment Finance

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CV

Chantelle Vacouftsis

Thank you so much Stephanie for helping us get our first home. You were very professional, honest, fast but thorough. Very contactable and …

jH

james Holcombe

Stephanie has been an absolute pleasure to deal with in helping us navigate buying our first home in what has to be the worst conditions we have seen in this country so far. She was able to navigate our unique situation with a great deal of skill and it is clear she has the knowledge to handle any situation.

TS

Tory Staff

Stephanie really helped me out during a tough time when I had to sort out refinancing my house while going through a separation. She knew her stuff and made everything easy to understand. With her help, everything got sorted without too …

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About

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

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.

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?

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.

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.

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.

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