What does success look like for you?

Our lending partners can help you get competitive interest rates and loan options for your circumstances
– putting you a step closer to your goals

We make the process of borrowing as seamless and stress-free as possible

For many people, lending can be a testing and time-consuming experience (even if you’re in an excellent financial position).

That’s why at Tribeca Financial, our lending partners offer finance broking in Melbourne as an adjunct to our planning services.

It’s the lending you need to enable your dream life.

Take a tailored approach to your lending needs

Starting with a clear understanding of your financial position and overall goals, our lending partners can help you find a loan that’s tailored to match your requirements.

It’s our financial advice specialists and lending partners that sets us apart, providing you with holistic solutions to achieve your plans and dreams.

Your go-to financial advisors in Melbourne

Based in Melbourne but with clients throughout Australia, our advisors and lending partners are right at home bringing their vast knowledge and expertise to mortgage broking in Melbourne and around the country.

Lending FAQ

Mortgage brokers work with banks and lenders to match you, the borrower, with the right mortgage.

Their job is to understand your financial circumstances and put your best case forward.

By utilising our long-standing relationships with lenders throughout the industry, they compare mortgage products to attract competitive interest rates and maximum loans for each client.

Put simply, their role is to search through hundreds of loans and actively negotiate the best outcome for you.

Your borrowing capacity is calculated based on factors such as your income level, liabilities (loans, credit card etc), living expenses and current interest rate.

Our experienced lending partners can calculate your borrowing capacity and help you devise a plan for your first or next home purchase, or for refinancing.

We work with independent mortgage brokers. They’re not a bank, and they’re not associated with a particular bank.

They’ll take the time to understand your goals and your current situation, so they can determine the right bank for you.

They can help you access the best lenders on the market, and match you with a lender that will maximise your borrowing capacity and offer you the right interest rate for your mortgage.

In 2023, due to interest rate rises and higher costs of living, banks are tending to lend less for mortgages. Generally, banks are now more reluctant to provide mortgages than they were previously.

To maximise your borrowing capacity, our lending partners will outline the banks that will lend you the most during your strategy session.

In short, no. Online mortgage calculators can be inaccurate, so please use them as a guide only. Each lender has its own mortgage calculation process.

Mortgage brokers use several methods to determine how much a bank will lend to a borrower.

Residential lending can be complex, so it’s best to engage a mortgage specialist for an accurate assessment.  

There’s no ‘one size fits all’, when it comes to which bank lends the most money.

The bank that will lend the most money will vary on personal circumstances, such as: the industry you work in, your family arrangement, mortgage history, credit score, age, and many other factors.

It’s important to note that a bank, or lender, will provide a loan based on these considerations, and each situation is different. 

Mortgage brokers are specialised in ensuring your best case is put forward to attract the best banks and best mortgage.

Yes. The banking industry has recently undergone widespread scrutiny, and as a result, regulations and lending standards have become far more stringent.

Investigations, such as the Royal Commission into the Banking, Superannuation and Financial Services industry (established 2017), whilst helpful at shining the spotlight on poor practices by the big banks, has led to greater “red tape” for the consumer.

With such high levels of scrutiny, it’s vital to compare and leverage your options with multiple lenders to secure the best offer.

The lender that will lend you the most will depend on your goals, personal circumstances, and the credit rules at the time of your application.

Major banks tend to be more conservative with their lending criteria. For that reason, lesser-known lenders may be the ones to lend the most.

A bank doesn’t calculate how much they will lend based on income percentages.

However, one of the factors a lender will consider when approving an application is the borrowers Debt-to-Income (DTI) Ratio.

Usually, banks want to see a DTI of 7 or less. This means that if you earn $100k per year, some lenders may cap your maximum loan to $700k.

It’s a misconception that by taking out a mortgage with your current bank you’ll be provided with better offers, bigger discounts, and loyalty bonuses.

It’s unlikely that amongst all the lenders available in the market, your bank will be the one to have the best offer.

A mortgage broker can calculate how much your current bank will lend you, and compare their offer against other lenders in the market to help you make an informed decision.

Let’s work towards getting the financing you need today

To arrange a free consultation with our lending partner specialists to talk about your options, simply enter your details below and we’ll contact you soon.