Insurance
Make sure you're covered for things like fire, flood and theft
Rated 5 from 58 Reviews
Services
Calculators
Make sure you're covered for things like fire, flood and theft
Rated 5 from 58 Reviews
Protecting your Car, Home and other valuables is a vital financial safeguard, providing protection against a range of risks that could damage or destroy your assets and belongings. Typical Home Insurance policies in Australia cover events such as fire, theft, vandalism, storm damage, and accidental damage to the building and its contents. This Insurance also extends to protect homeowners from liability for injuries or damages that occur on their property.
It is important for homeowners to regularly review and update their Insurance policies to ensure they remain adequately covered. As circumstances change, such as renovations, acquiring new valuable items, or increases in property values, adjusting the Insurance coverage can help avoid being underinsured. We can either help you find the right policy for you, or refer you to one of our trusted partners depending on your circumstances.
We're a proud member of the Mortgage and Finance Association of Australia and can help with Insurance right across Australia. If you're looking to update your Insurance or get a second opinion, we have the expertise and experience to guide you through the process and make the right choice.
KP
Kimberley Peters
Wouldn't hesitate to recommend Dale and the team at The Finance Architect (in fact, we have already). Dale is friendly, professional and makes a daunting experience for first home buyers like myself and my partner super easy to understand. He has been approachable, clear and quick with responses to our never ending questions (and huge thanks to Lawrence in this department too!) Highly recommend!
SS
Sainath Sairamesh
I had a fantastic experience working with Dale and the finance architect team, on securing my home loan. From start to finish, they made what can often be a stressful and overwhelming process feel easy and seamless. What really stood out was how theyembraced digital tools to simplify everything — cutting through the usual flood of document requests and keeping the process smooth and efficient. His communication was clear and timely, and I always felt informed and supported at every step. I’m incredibly grateful for thier professionalism, expertise, and genuine commitment to making things as straightforward as possible. I would highly recommend them to anyone looking for a broker who combines deep knowledge with modern, client-friendly solutions.
DM
Davila Marday
From our very first call with Dale from the Finance Architect, it was clear that he genuinely cares about his clients. Dale made us feel confident and supported. He really took the time to understand our financial goals and helped us find the best lender for our needs. Lawrence was also incredible — super responsive, organised, proactive and always on top of things. He kept us informed every step of the way and even followed up with the banks directly to resolve delays. We’re so grateful to the Finance Architect team for making our refinancing experience smooth and stress-free. Highly recommend!
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.
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.
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.
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.
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.
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.
Absolutely! Like anything worthwhile, it requires commitment and sacrifice, but the prospect of being debt-free in a decade sounds appealing, doesn't it?
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.
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.
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.
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.
The Finance Architect ABN: 16 168 596 553, The Trustee for THE WILKINSON DISCRETIONARY TRUST ABN: 16 168 596 553. Credit Representative #450039 is authorised under Australian Credit License #509484.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio