Home Loans, Investment Property, Development & Business Finance
Your next property purchase or business investment deserves a clear funding strategy.
Buying a home in Perth, investing in Bunbury, developing property in Mandurah or purchasing equipment for a regional Western Australian business?
Advanced Finance Group helps homeowners, investors, developers and business owners understand their borrowing options and arrange finance suited to their circumstances.
Led by André Barkhuizen, Chartered Accountant and Finance & Mortgage Broker, we combine accounting expertise, corporate advisory experience and practical lending knowledge to help you make informed decisions.
Let’s discuss your goals and the funding behind them.
Email André | Call 0497 432 090
Finance Built Around Your Bigger Picture
The right funding starts with understanding your financial position and what you want to achieve.
A competitive interest rate matters. So do repayment obligations, fees, security requirements and the flexibility to respond when circumstances change.
We consider:
- Your income, expenses and existing commitments.
- Available deposit, equity and security.
- Personal and business cash flow.
- Ownership and borrowing structures.
- The capital required for your proposed transaction.
- How the borrowing affects your future plans.
Our focus is helping you arrange suitable finance and understand the commitment behind it.
Why Choose Advanced Finance Group?
Chartered Accounting Expertise Meets Finance Broking
For business owners, property investors and borrowers with multiple income sources, a lending application can require more than payslips and a deposit.
Our Director’s Chartered Accounting background helps us interpret financial statements, understand business performance and explain your financial position clearly to lenders.
We bring this perspective to home loans, investment lending, commercial finance and property development funding.
You receive:
- Personal attention and clear explanations.
- Access to a broad panel of lenders.
- Consideration of suitable loan structures and features.
- Support preparing and progressing your application.
- A wider view of cash flow, capital requirements and financial commitments.
We help you assess the finance and the decision it supports.
Home Loans Western Australia
From Your First Home to Your Next Chapter
Whether you are purchasing a Perth apartment, a family home in the suburbs or a property in regional WA, 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 from initial assessment through to settlement.
Home Loans for FIFO & Resources-Sector Workers
Understand How Lenders Assess Your Income
If you work on a fly-in, fly-out roster or receive allowances, overtime and bonuses, lenders may assess the components of your income differently.
We help review your employment arrangements and supporting documents to identify suitable lending options.
Relevant considerations may include:
- Base salary and the consistency of additional earnings.
- Employment history and contract terms.
- Existing commitments and living expenses.
- The property’s location and suitability as security.
- Your repayment capacity if variable income reduces.
Start with borrowing capacity based on income you can reasonably sustain.
Refinancing & Mortgage Reviews
Does Your Current Loan Still Suit You?
Changes to your income, property holdings, family needs or business plans can make a loan review worthwhile.
We compare your current arrangements with suitable alternatives, considering:
- Interest rates and ongoing fees.
- Offset accounts and repayment flexibility.
- Switching costs and applicable break costs.
- The effect of changing your loan term.
- Equity access and future borrowing requirements.
For borrowers with several facilities, we can also review how the loans and security arrangements work together.
A refinance should deliver a clear benefit after the costs and implications are considered.
Investment Property Finance WA
Assess the Property and the Funding Together
An investment property should be assessed on its purchase price, rental prospects, ownership costs and financing requirements.
We help investors explore suitable lending for purchases across Perth and regional Western Australia.
Our assessment considers:
- 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.
Metropolitan and Regional Investment Considerations
For regional property purchases, it is useful to examine the diversity of local employment, rental demand, competing supply and resale options.
Where a market depends heavily on a particular employer or industry, your assessment should consider how a change in local activity could affect rent, vacancy and property value.
Lenders may also apply different requirements according to location and property type.
We help you understand the funding implications before committing to a purchase.
Property Development Finance Western Australia
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 finance 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.
Available options depend on the project, developer experience, equity, approvals, security and lender requirements.
Understand Your Capital Requirement Early
We help assess how the proposed facility interacts with:
- Land acquisition 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.
Before purchasing a site, understand the equity required and the effect of cost increases, delays or lower completed values.
Finance for Self-Employed Borrowers
Present Your Financial Position Clearly
For business owners, taxable income may not provide a complete picture of financial performance or repayment capacity.
Company profits, distributions, existing liabilities and recent trading results can influence a lender’s assessment.
Our Chartered Accounting expertise helps us interpret your 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.
Applications remain subject to lender assessment and documentation requirements.
Commercial & Business Finance WA
Funding for Your Next Business Decision
Purchasing premises, acquiring a business or expanding operations creates funding demands that need to work alongside day-to-day cash flow.
We assist Western Australian businesses 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.
For contractors and businesses serving the resources sector, we can assess funding requirements against contract terms, payment timing and existing commitments.
Winning work is one step. Having the capital to deliver it is another important part of the plan.
Equipment, Fleet & Asset Finance
Equip Your Business While Managing Cash Flow
Equipment purchases can place significant pressure on available capital. 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.
- Earthmoving and construction equipment.
- Manufacturing machinery.
- Agricultural machinery.
- Eligible equipment used by mining-services businesses.
- Medical and other business equipment.
We help assess deposits, repayments, loan terms and any final balloon payment against expected cash flow.
For specialised assets, funding availability may depend on the equipment’s age, use, resale market and lender requirements.
Agribusiness Finance Western Australia
Property, Machinery & Seasonal Funding
Agricultural operations often face a timing gap between expenditure and income.
We help explore finance for farm property purchases and refinancing, machinery and equipment, and working capital requirements.
Our assessment considers the property, operating structure, business performance, seasonal cash flow and available security.
Whether you operate a cropping, livestock or horticultural business, we start by understanding how your operation earns income and uses capital.
Areas We Service Across Western Australia
We assist clients throughout metropolitan, regional and rural WA, including:
- Greater Perth: Perth CBD, northern and southern suburbs, eastern suburbs and surrounding metropolitan areas.
- Fremantle, Rockingham and Mandurah.
- South West: Bunbury, Busselton, Margaret River and surrounding communities.
- Great Southern: Albany, Denmark and surrounding districts.
- Wheatbelt: Northam, Merredin, Narrogin and surrounding agricultural areas.
- Mid West: Geraldton and surrounding communities.
- Goldfields–Esperance: Kalgoorlie-Boulder, Esperance and surrounding districts.
- Pilbara: Karratha, Port Hedland and surrounding areas.
- Kimberley: Broome, Derby, Kununurra and surrounding communities.
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 Western Australia?
Yes. We assist WA clients through phone and online consultations, with supporting documents submitted electronically.
Can you assist FIFO workers?
Yes. We review your employment and income documents to explore suitable lending options. Treatment of allowances, overtime and bonuses varies between lenders.
Can you help first home buyers?
Yes. We assess borrowing capacity, explain suitable loan options and help identify assistance programs that may be relevant to your circumstances.
Can you finance property in regional WA?
We explore suitable options based on the location, property type, valuation and your financial position. Some lenders apply additional restrictions to particular regional locations.
Can you assist self-employed borrowers and contractors?
Yes. Our accounting background helps us understand business financials and present your position clearly, subject to lender requirements.
Can you help with development or equipment finance?
Yes. We assess the proposed project or asset purchase, available capital, repayment capacity and relevant lender requirements.
Should I discuss finance before signing a contract?
An early discussion can help identify likely borrowing limits, capital requirements and funding conditions. Your solicitor or conveyancer should advise on the contract.
Speak With a Mortgage & Finance Broker Serving WA
Buying a home? Building a portfolio? Developing property or equipping your business?
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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