Why I Might Send You to a Financial Adviser (And Why That’s a Really Good Thing!)

Let’s set the scene: You’ve come to me looking for your home loan, refinance, or investment loan. You’ve not decided on a property strategy. We’ve crunched the numbers, discussed your goals, and you’re feeling excited ( ok and maybe a little overwhelmed) about the next steps.

Then I say something like: "I think it would be a good idea to have a chat with a financial adviser."

Now you might be thinking, “ But aren’t you supposed to handle the money stuff?"

Here’s the thing: my role as your mortgage broker is to help you secure the right loan for your needs and situation. A financial adviser? Their job is to help turn your goals into longer term strategies which ensure you are adequately covered while also considering your bigger financial picture, and sometimes, that’s exactly what you need.

So, why do I refer clients to financial advisers?

Big Picture Plans

Buying property isn’t just about getting a loan. It’s about how that loan fits into your big picture. A financial adviser can help you plan things like:

• Superannuation product and investment advice

• Retirement goals and planning

• Debt reduction strategies

• Structuring investments and managing risk

• Insurance advice to ensure that if something happens to you, your loved ones are taken care of.

  
  

They look at everything from a "whole life" view—something that complements what I do with lending.

Shape up your finances

Sometimes clients come to me excited to buy their first home or upgrade to their next, but the timing isn't right—maybe they have some debt, irregular income, or they have not saved enough for a deposit.

This is where a financial adviser can help. They can assist you in making a solid plan whether it’s managing debt, building savings through budgeting or putting the right insurances and investments in place to support your homeownership goals. So that when the time is right, we can move quickly and confidently on the loan front.

Specialist strategies need specialist advice

Whether it’s using equity to invest, borrowing through a family trust, or purchasing via a Self-Managed Super Fund (SMSF), I recommend speaking to a financial adviser to ensure:

• It’s the right structure for you

• You understand the long-term implications

• Your risk tolerance and future goals are aligned

• The financial outcomes of these strategies are modelled to consider tax efficiencies, asset protection and long term wealth impact are all considered.

I never want you to make a major financial decision without the right support team behind you!

Peace of mind

Let’s be frank– big financial moves can be scary and stressful. The more expert guidance you have, the more confident you will feel. When you’ve got both a broker and a financial adviser working in sync, you’re not just making choices—you’re making informed choices. Informed choices with a strategic tailored financial strategy make even the biggest moves feel manageable.

It’s about protecting you.

When I suggest you speak with a financial adviser, it’s because I believe it will be of benefit to you.

Just like I tailor home loan options to your situation, a good adviser tailors financial advice to your life. And when we work together, that’s where the real magic happens. From personal insurance to investment planning, a financial planner can help safeguard your financial wellbeing, now and into the future, so that your goals stay on track, no matter what life throws your way.

If you’re ready to take the leap, let's start working on your future goals and give me a call- 0428889893

If you think now is a good time to discuss your future planning with a specialist then why not have a chat with Kyrillos Ghaly @ Trinity Advice, a financial planning service I recommend.

Book a chat with Kyrillos here:

Click Me