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About Us

We believe that loan products should be easy to understand, easy to access and allow you peace of mind.

Regulations in the broking industry are continuing to improve across Australia. Think of your broker as being a professional resource in the same way you think of yourcheap canada goose accountant, financial planner, solicitor or insurance broker. We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.

We will work with you and your service providers (real estate agent, conveyancer and lender) during the transaction process, while ensuring we help you obtain the finance that best suits your circumstances and needs.

By all means, please call the office for more information or clarification about your own circumstances.

Tim Blackley

Director

Certificate in Commerce | Certificate IV in Finance and Mortgage Broking and Diploma in Finance and Mortgage Broking.

Our Services

There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability.

We pride ourselves on our ability to get your loans settled! We have extensive experience in all things lending, including:

First Home Buyer

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.

Investment Loans

Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works towards building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term. Other commercial loans include term debt to purchase commercial property, develop residential or commercial property, purchase a business concern or simply expand an existing one. There are too many types of loans to mention, just call us and we can explain all the different options available to your business.

Standard Variable & Fixed Rate Loans

The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and are paid on an interest only basis.

Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangement with an insurance brokerage firm, we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for second opinion on price and cover.



Please note that your full financial situation will need to be reviewed prior to acceptance of any offer or product.

Loan Calculators

 

 

Resources

Blackley Finance Broking Pty Limited has over 30 years of banking experience and as a result, been successful in linking up with a panel of tier one and tier two banks/financiers, who work closely with us to help you obtain finance for you personally or your business operation.

Whatever financial position you are currently in, we can introduce you to a potential finance partner.

We also have a number of highly regarded professional suppliers such as accountancy firms, business consultants and solicitors who can assist you in the complicated process of finance. In addition Blackley Finance Broking has a number of private lending investors waiting to assist the right client with their financial predicament.

FAQs

What is a SMSF?
A Self-Managed Super Fund is a superannuation fund controlled by the individual investor. It provides flexibility to the investor and allows them to choose their investment types.

Are SMSFs easy to set up?
It is easy to set up a Self-Managed Super Fund when you are dealing with professionals. There is a lot of regulation surrounding the superannuation environment and it something best left to the professionals. Whilst you can be involved in the process it is imperative that your SMSF abides by specific regulations.

Who manages my SMSF?
Ultimately the individual is responsible for their own SMSF. We offers comprehensive services to make this process almost hands free for the investor. The compliance, maintenance, audits, tax returns and reviews of the SMSF can be done by us. How much do I need in superannuation before I can set up a SMSF? There is no minimum amount required before you can set up a SMSF?

What are the fees?
There is an upfront cost to set up the SMSF which varies between $1,000 and $3,000 depending on circumstances. The ongoing fees are between $1,000 and $2,500 depending on SMSF investments and complexity.

What fees am I currently paying?
Different superfunds have different fees. Typically they range between 1% – 3% of the total fund balance. You can contact us and ask us what your current fees are.

What sort of property should I purchase inside my SMSF?
The individual has full discretion as to which property they purchase. Ultimately the investment performance of the property should be the highest priority. There are specific guidelines on property types that SMSF cannot purchase. It is best to discuss this with an expert

What does a mortgage broker do?
Mortgage brokers are professional in the home loan industry. They work with you to determine your borrowing needs and how much you can borrow. Brokers help ensure you don’t take out a loan that is too big for you.

Professional Mortgage Brokers only focus on loans. If you have a toothache, you go to the dentist not a florist. If your car is broken you take it to a mechanic not a librarian. You go to someone trained to help you with your specific need. It’s same when you need a loan.

Brokers have access to a wide variety of loans. This mean your broker can find a loan is just right for you.


Do you Charge fees for home and investment loans?
Some mortgage brokers charge a fee and some don’t. When you take out a loan via a Mortgage Broker – it does not cost you more. That is an absolute myth. Brokers get paid commission by the bank for bringing new business to them, this does not impact your rate or level of service.

Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services.


Don’t you just recommend the lender who pays you the most commission?
Absolutely not! There is legislation in our industry, called the National Consumer Credit Protection Act or NCCP, that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the bank. Our job, our only job, is to find the best loan for your needs and serviceability.

Isn’t it more expensive to use a Broker?
This is depend on how much you have saved for a deposit and what you current expenses are. Give us a call and we can go into your options in more detail, or check out the loan calculators page of our site!


How much can i borrow?
Some Brokers charge a fee for their service which they must disclose to you up-front before you engage their services.


Should I go fixed or variable?
I am only allowed to recommend a product based on what you say is most important to you eg “pay my loan off quickly” or “guaranteed repayments”.

I do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty take a fixed rate loan, if you want both, then do both”


I am not in your area, can we still work together?
Sure thing! We are mobile brokers so we can come to you!

Which lenders do you deal with?
I am a Connective Brokers. This mean i have access to many lenders – these include the major banks, second tier lenders and credit unions. We can source you a loan from the lender of your choice.

Who sets interest rates?
The reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates.

Why should i use a mortgage broker if i can go with a bank?
When we talk about a ‘loan product’ we are preferring to the thousands of options that are currently available for you for your loan. Each bank (for lender) has loans of different loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. IF you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.

Contact Us

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When we help you with your borrowing needs, we considercanada goose dames you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term.

We have many years’ experience in finance and mortgage broking. Our aim is to find you the best loan for your needs, and make the process as simple and transparentcheap canada gooseas possible! Please get in touch with us today.

Ph: 0428 476 628

Fax: 02 4733 7246

Email: tim@blackleyfinance.com.au

Address: PO Box 8074, Glemore Park, NSW, 2745