A Complete Guide to Credit Lending
Everything You Need to Know Before You Borrow Are you considering getting a loan to make a large purchase, consolidate…
How often do you come across a mortgage broker who can also devise your financial strategy and plan? And how often do you meet a financial planner who is a fully qualified mortgage broker? If you come to ActOn Wealth, that’s what you get. Two specialists in one advisor. So we don’t just find you the best deal; we make lending and finance work with your broader wealth-building plans.
Researching finance options from various financial institutions can be tiring and confusing. We remove the stress and time commitment by refining the best options and managing the entire submission once you decide. Importantly, we’re not aligned with any particular product; we find the deal that’s right for you.
Our strategic loan structuring considers the interest rate, risk profile, loan maturity, and repayment amounts. Our financial plan factors in lending and finance, and debt restructuring. For a thorough approach - 1300 022 866
Many Australians now insist on ethically-geared investments and loans. If this is important to you, we would be delighted to explore the most socially responsible lenders in the market and provide you with ethical lending options.
We can help you save money by finding loans with competitive interest rates and terms that match your financial circumstances. Our Melbourne financial planners and loan brokers are committed to identifying the most cost-effective solutions for you.
Yes, we are regulated by industry standards and laws to ensure ethical practice. As a leading mortgage brokerage in Melbourne, we adhere to these regulations to deliver a trustworthy and transparent service.
Typically, professional brokers earn a commission from lenders for loans arranged. For specifics, please consult with our team to understand our transparent fee structure.
We can enhance the likelihood of your loan approval by preparing a strong application and matching you with suitable lenders. Our team has a proven track record in facilitating successful loan applications.
Definitely. We can advise you on various loan features, including offset accounts, to help you understand their benefits and potential suitability. Our team strives to provide comprehensive mortgage advice tailored to your needs.
Consider their experience, knowledge of various loan products, and customer service reputation. Our team is dedicated to offering tailored, client-focused services.
Definitely. We can advise you on various loan features, including offset accounts, to help you understand their benefits and potential suitability. Our team strives to provide comprehensive mortgage advice tailored to your needs.
*Interest rates are correct as at 01/12/2024 and subject to change at any time. The comparison rate is based on a loan amount of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms, conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product. Loan approval is subject to the banks/lenders credit criteria, and other terms and conditions.
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26-38 if all questions answered
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You’ve clearly made solid progress in building a strong financial foundation. You’re either actively investing, managing your debt, or planning for the future with a great level of intention.
Still, there’s always room for refinement — whether that’s maximising tax efficiency, reviewing your investment strategy, or preparing for big life events like retirement, children’s education or legacy planning.
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You’ve already laid some important groundwork — maybe you’ve started investing, built up super, or set financial goals. That’s fantastic progress.
With a few adjustments, clearer strategies, and some expert support, you could move from financial confidence to real financial empowerment.
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You’re not alone — many Australians feel unsure about where to start. If you’re feeling disorganised, unsure, or worried about the future, now’s the time to take control.
Working with a financial adviser isn’t just for the wealthy — it’s for anyone who wants clarity, confidence, and a roadmap forward.
No matter your score, ActOn Wealth can support you with clear, strategic advice to help you take control of your financial future. Whether it’s optimising your super, reducing tax, planning for retirement or aligning investments with your values – we’re here to help.