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!

JP

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:

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.

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.

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.

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 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.

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.