Home Loans, Investment Property, Development & Business Finance
Your property ambitions. Your business plans. Finance built around you.
Purchasing a home in Melbourne, investing in Geelong, developing property in Ballarat or expanding a regional Victorian business? Start with a clear understanding of your funding options.
Advanced Finance Group assists homeowners, investors, developers and business owners across Victoria with personalised mortgage broking and finance solutions.
Led by André Barkhuizen, Chartered Accountant and Finance & Mortgage Broker, we combine accounting expertise with practical lending experience to help you assess your options and make informed decisions.
Let’s discuss the funding behind your next move.
Email André | Call 0497 432 090
Finance That Fits Your Bigger Picture
A competitive interest rate is important. So are the loan’s repayment obligations, fees, security requirements and flexibility.
We take the time to understand your financial position and what you want to achieve before exploring suitable lending options.
Our assessment considers:
- Your income, expenses and existing commitments.
- Available deposit, equity and security.
- Personal and business cash flow.
- Ownership and borrowing structures.
- Your immediate funding requirements.
- How the proposed borrowing affects your future plans.
The aim is a funding structure that supports your goals and remains manageable along the way.
Why Choose Advanced Finance Group?
Chartered Accounting Expertise Meets Finance Broking
When you own a business, hold several properties or earn income through different entities, a lending application can require more than a straightforward income assessment.
Our Director’s Chartered Accounting background helps us interpret financial statements, understand business performance and explain your position clearly to lenders.
We bring this perspective to residential, investment, commercial and development lending—helping you assess the financial implications before committing.
You receive personal attention, clear explanations and a considered approach to your funding requirements.
Home Loans Victoria
From Your First Purchase to Your Next Chapter
Whether you are buying an apartment in Melbourne, a family home in Geelong or a property in regional Victoria, we help you explore suitable home loan options.
We assist with:
- First home buyer loans.
- Owner-occupied home loans.
- Investment property loans.
- Construction finance.
- Refinancing.
- Fixed, variable and split-rate loans.
- Equity access for an approved purpose.
- Debt consolidation, where appropriate.
We explain relevant loan features, help organise supporting documents and guide your application through to settlement.
Refinancing & Mortgage Reviews
Does Your Current Loan Still Work for You?
Your mortgage may have suited your circumstances when it was first arranged. Changes to your income, family needs, property holdings or financial goals can make a review worthwhile.
We assess your existing loan against suitable alternatives, considering:
- Interest rates and ongoing fees.
- Offset accounts and repayment flexibility.
- Switching costs and any applicable break costs.
- The effect of changing your loan term.
- Equity access and future borrowing requirements.
For borrowers with multiple properties, we can also review how the facilities and security arrangements work together.
A refinance should deliver a clear benefit after the costs and implications are considered.
Investment Property Finance Victoria
Assess the Property and the Funding Together
An investment property should be evaluated on more than its purchase price or expected capital growth.
We help you understand the funding requirements and cash flow implications of a proposed purchase, whether you are entering the market or expanding a portfolio.
Considerations include:
- Deposit and acquisition costs.
- Borrowing capacity and existing debt.
- Expected rental income.
- Vacancy, maintenance and ownership expenses.
- Interest-only or principal-and-interest repayments.
- Financial buffers and future borrowing needs.
For Victorian investors, the assessment should also account for applicable land tax and other state-based ownership costs, with tax assumptions confirmed by your adviser.
Established Property, New Housing or Construction?
Different property types can create different funding requirements.
An established dwelling, an off-the-plan purchase and a house-and-land project may involve different settlement timing, valuation risks and cash commitments.
We help you assess the lending implications of each option and coordinate with your tax and legal advisers where ownership structures or tax treatment affect the decision.
Start with a property that fits your strategy—and finance that supports it.
Property Development Finance Victoria
From Site Acquisition to Project Completion
A development opportunity needs a credible feasibility, sufficient equity and a practical exit strategy.
Advanced Finance Group helps developers explore funding for:
- Development site acquisition.
- Residential subdivisions.
- Townhouse and apartment projects.
- Construction and staged developments.
- Commercial and industrial projects.
- Project refinancing and completion.
- Retaining completed properties, where suitable funding is available.
Lending options depend on the project, developer experience, approvals, available security, equity and lender requirements.
Understand the Capital Required Before You Commit
We help assess how the proposed funding interacts with:
- Land purchase and transaction costs.
- Planning, design and professional fees.
- Construction costs and progress payments.
- Interest, lender fees and holding costs.
- Contingency allowances.
- Presales and settlement timing.
- Sale proceeds or refinancing capacity.
Through our corporate advisory services, we can also assist with feasibility modelling and scenario analysis.
What happens if construction costs increase, sales take longer or completed valuations fall short? A useful feasibility tests these questions before they become funding problems.
Finance for Self-Employed Borrowers
Explain Your Financial Position Clearly
For business owners, taxable income does not always provide a complete picture of business performance or repayment capacity.
Company profits, distributions, existing liabilities and recent trading results may influence a lender’s assessment.
Our Chartered Accounting expertise helps us interpret your financial information and identify lending pathways that may suit your circumstances.
We assist:
- Sole traders and contractors.
- Company directors.
- Partnership and trust borrowers.
- Business owners with multiple income sources.
- Self-employed property investors.
All applications remain subject to lender assessment and documentation requirements.
Commercial & Business Finance Victoria
Funding for Your Next Business Decision
Whether you are purchasing premises, acquiring a business or managing working capital, the funding should reflect how your business operates.
We assist with:
- Commercial property purchases and refinancing.
- Business acquisition and expansion finance.
- Working capital facilities.
- Invoice and trade finance.
- Equipment and vehicle finance.
- Property development funding.
- Agribusiness lending.
We consider repayment capacity, security, facility costs and cash flow timing to help you assess a practical funding approach.
Where required, our advisory services can support financial forecasting and scenario planning.
Equipment & Asset Finance
Keep Capital Available for Your Business
Equipment purchases can create significant cash demands. Suitable finance may allow you to spread the cost while retaining funds for operations.
We arrange funding for eligible assets including:
- Cars, utes and commercial vehicles.
- Trucks, trailers and fleet assets.
- Construction and earthmoving equipment.
- Manufacturing machinery.
- Agricultural equipment.
- Medical and other business equipment.
We help assess deposits, loan terms, repayments and any final balloon payment against your expected cash flow.
The right equipment should support the business. Its funding should do the same.
Areas We Service Across Victoria
We assist clients throughout metropolitan and regional Victoria, including:
- Greater Melbourne: Melbourne CBD, inner suburbs, northern and western suburbs, eastern suburbs and south-eastern Melbourne.
- Geelong and surrounding areas: Geelong, the Bellarine Peninsula and Surf Coast.
- Western and Central Victoria: Ballarat, Bendigo, Horsham and surrounding districts.
- Northern Victoria: Shepparton, Echuca, Mildura, Wangaratta and Wodonga.
- Gippsland and South-Eastern Victoria: Warragul, Traralgon, Sale and surrounding communities.
- Mornington Peninsula: Mornington, Frankston and surrounding areas.
Phone and online appointments make it straightforward to discuss your finance requirements wherever you are based.
Frequently Asked Questions
Can you help if I live in Victoria?
Yes. We assist Victorian clients through phone and online consultations, with supporting documents submitted electronically.
Can you help first home buyers?
Yes. We help assess borrowing capacity, explain suitable loan options and identify assistance programs that may be relevant to your circumstances.
Can you assist self-employed borrowers?
Yes. Our accounting background helps us understand business financials and present your position clearly, subject to lender requirements.
Can you arrange development finance in Victoria?
We help developers explore funding options based on project feasibility, experience, equity, approvals, security and the proposed exit strategy.
Can you review my home loan and business lending together?
Yes. Reviewing the commitments together can help identify how repayments, security arrangements and borrowing capacity affect your wider financial position.
Should I discuss finance before signing a property contract?
An early discussion can help you understand likely borrowing limits, deposit requirements and funding conditions before committing. Your solicitor or conveyancer should advise on the contract.
Speak With a Mortgage & Finance Broker Serving Victoria
Buying a home? Building a portfolio? Funding a development or business expansion?
Start with a conversation about your goals and the numbers behind them.
Advanced Finance Group combines Chartered Accounting expertise, corporate advisory experience and finance broking to help you understand your options and move forward with clarity.
André Barkhuizen CA
Advanced Finance Group
Call: 0497 432 090
Email: andre@advancedfinancegroup.com
Your next move starts with a clear funding strategy.
Finance is subject to lender approval, eligibility criteria and terms. Your needs and financial circumstances must be assessed before a loan recommendation is made. Obtain tax and legal advice relevant to your proposed transaction.
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