About The Finance Architect

Three out of every five Australians - a number that continues to rise - retire without sufficient savings and rely on government pensions. A staggering number of Australians face the prospect of a reduced lifestyle when their regular income ceases. As a nation of hardworking individuals, we deserve better, which is why The Finance Architect has been established to contribute to the solution.

We collaborate with ambitious Australians between the ages of 25 and 45 to help them prepare for property acquisition and achieve debt elimination within a decade. Why? Because freedom from debt provides us with choices. Choices regarding our activities, travel destinations, and the lifestyle we wish to lead. Choices related to how we care for our children, families, and the legacy we intend to leave behind. Nothing grants greater freedom than having control over our own financial journey.

The Finance Architect boasts more than a decade of experience in residential finance, and we have assisted hundreds of clients in attaining financial freedom. We would be delighted to work with you as well!!

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Amanda Cecchin

Over the years we have had multiple dealings with Stephanie. She has been nothing but professional and prompt. Her knowledge and advice is ap very appreciated! We will be back again!

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Jessica Pimm

Stephanie was fantastic and made the process super easy! She was very informative and super helpful! Would definitely recommend her to anyone who is looking for a loan

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Leon

All I can say there is not enough stars. Wow unbelievable very professional easy to talk to very happy thanks

Frequently Asked Questions:

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'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.

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.

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.

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.

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.