Provida Lend

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Provida Lend

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🏠 Home, Car & Commercial Loans.

Sorted.
⭐ 8 Years Helping Migrant Families
🇦🇺 SA-Based, Servicing All of Australia

https://provida-lend.loantools.com.au/link-in-bio

18/10/2026

𝗧𝘄𝗼 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼, 𝗜 𝘁𝗼𝗼𝗸 𝗮 𝗹𝗲𝗮𝗽 𝗼𝗳 𝗳𝗮𝗶𝘁𝗵 𝗮𝗻𝗱 𝘀𝘁𝗮𝗿𝘁𝗲𝗱 𝗣𝗿𝗼𝘃𝗶𝗱𝗮 𝗟𝗲𝗻𝗱.

But honestly, it started long before that. India. New Zealand. Restaurant shifts (once paid in curries). Retail. Sales. Aviation. And finally, finance.

When Sylvia and I bought our first home, we were told we didn't earn enough. Someone saw another way forward, and that's the kind of broker I wanted to be.

I know what it takes to start again in a new country. That's why I do what I do.

To every family who trusted me with their home loan, and every client who referred a friend: thank you. Your trust means more than you know.

Two years down. We're only getting started.

Here's to helping more migrant families feel at home, one loan at a time. ❤️

𝗚𝘂𝗶𝗱𝗲𝗱 𝗯𝘆 𝗧𝗿𝘂𝘀𝘁. 𝗚𝗿𝗼𝘂𝗻𝗱𝗲𝗱 𝗶𝗻 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗻𝗰𝗲.

17/10/2026

𝗙𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 𝗶𝗻 𝗦𝗼𝘂𝘁𝗵 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮, 𝘁𝗵𝗶𝘀 𝗼𝗻𝗲’𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂.

𝗛𝗼𝗺𝗲𝗦𝘁𝗮𝗿𝘁 𝗵𝗮𝘀 𝗿𝗮𝗶𝘀𝗲𝗱 𝗶𝘁𝘀 𝗺𝗮𝘅𝗶𝗺𝘂𝗺 𝗹𝗼𝗮𝗻 𝗮𝗺𝗼𝘂𝗻𝘁 𝗳𝗿𝗼𝗺 $𝟳𝟱𝟬,𝟬𝟬𝟬 𝘁𝗼 $𝟵𝟱𝟬,𝟬𝟬𝟬.

𝗛𝗼𝗺𝗲𝗦𝘁𝗮𝗿𝘁 is a specialist lender backed by the Government of South Australia. It exists to help people into the market when a traditional lender would make it harder. A lot of my SA clients have used it when servicing was tight or they only had a small deposit, sometimes as little as 2%.

With the higher limit, buying a home in today’s SA market is a lot more realistic.

If you’ve spoken to other brokers or lenders before and thought buying was out of reach, now’s a good time to look at HomeStart again. There are conditions to meet, so let’s go through your situation together. I’ll walk you through the ins, the outs, the pros and the cons.

Book your 𝗳𝗿𝗲𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘀𝗲𝘀𝘀𝗶𝗼𝗻 at https://providalend.com.au/book-appointment/

𝗛𝗲𝗹𝗽𝗶𝗻𝗴 𝗺𝗶𝗴𝗿𝗮𝗻𝘁𝘀 𝗳𝗲𝗲𝗹 𝗮𝘁 𝗵𝗼𝗺𝗲, 𝗼𝗻𝗲 𝗹𝗼𝗮𝗻 𝗮𝘁 𝗮 𝘁𝗶𝗺𝗲.

16/10/2026

𝗜𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝗲 𝗮 𝗳𝗿𝗶𝗲𝗻𝗱, 𝗰𝗼𝗹𝗹𝗲𝗮𝗴𝘂𝗲 𝗼𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗺𝗲𝗺𝗯𝗲𝗿 𝗮𝗻𝗱 𝗿𝗲𝗰𝗲𝗶𝘃𝗲 𝗮 $𝟮𝟱𝟬 𝗴𝗶𝗳𝘁 𝗰𝗮𝗿𝗱.

It only takes 3 simple steps.

1. You realise a friend or family member could benefit from our help with a new loan or to refinance their existing one.

2, You ask for their permission and enter their details at https://providalend.com.au/refer-a-friend/ for us to reach out.

3, Once the loan is settled, we'll send you a $250 gift card.

Terms & conditions:

-Eligibility for the $250 gift card is based on this criteria

-A successful referral is achieved once the loan has settled with the lender.

-Minimum loan size - $500,000

-Loan must be settled within 12 months from the date referral was received

-This referral program begins on 1st June 2024.

$250 you receive will be in the form of a gift card only and will be sent digitally via your choice of sms or e-mail within 3 business days after home loan has settled.

15/10/2026

𝗙𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲 𝗮𝘀 𝗮 𝗺𝗶𝗴𝗿𝗮𝗻𝘁: 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗹𝗶𝘃𝗲 𝗶𝗻 𝗶𝘁, 𝗼𝗿 𝗯𝘂𝘆 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗶𝗻𝘁𝗲𝗿𝘀𝘁𝗮𝘁𝗲?

It’s one of the most common questions I get. Since the federal budget on 12 May 2026, my answer has changed.

If your first purchase is an investment property, you could miss out on:
❌ Stamp duty concessions for first home buyers
❌ The 5% Deposit Scheme, which means you’d need a bigger deposit
❌ The First Home Owner Grant if you’re buying new or building

The tax changes have also affected borrowing capacity for investors.

There’s no one-size-fits-all answer. The right move depends on your income, visa and residency situation, deposit and long-term plans.

Not sure which path suits you? Book a free chat. The link is in my bio, or you can send me a DM.

14/10/2026

𝗪𝗮𝗿𝗻𝗶𝗻𝗴: 𝗱𝗮𝗱 𝗷𝗼𝗸𝗲 𝗮𝗵𝗲𝗮𝗱.

Me: “My kids and I watch Reels together. We’re in a REELationship.”
Josiah: 𝘵𝘳𝘺𝘪𝘯𝘨 𝘷𝘦𝘳𝘺 𝘩𝘢𝘳𝘥 𝘯𝘰𝘵 𝘵𝘰 𝘳𝘦𝘢𝘤𝘵

Then I asked him what my favourite Reel is. Without missing a beat: “The one where YOU’RE in it.”

Roasted by my own son. And I can’t even argue with him. 😂

At work it’s the other way around, though. My favourite stories there aren’t about me. They’re about families who’ve moved across the world, started over, worked hard, and are now getting the keys to their first home in Australia. Those are the stories I’d watch on repeat.

If you’re new to Australia and wondering whether buying a home is possible for you, send me a message. I’ll answer your questions without any eye-rolling. (No promises about the dad jokes though.)

13/10/2026

𝗦𝗮𝗺𝗲 𝗶𝗻𝗰𝗼𝗺𝗲. 𝗦𝗮𝗺𝗲 𝗰𝗹𝗶𝗲𝗻𝘁. $𝟭𝟬𝟬,𝟬𝟬𝟬 𝗺𝗼𝗿𝗲 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗽𝗼𝘄𝗲𝗿.

This week I helped a teacher who was buying a home after a separation. She earns around $110K, and as a single parent she qualified for the single parent scheme with as little as a 2% deposit.

The problem was that her borrowing capacity sat at about $500–550K, and there isn’t much in that price range.

Then we noticed her HECS debt was due to be paid off within the next year or so.

Most lenders assess your loan at your interest rate plus a 3% buffer. At today’s rates of around 6%, you’re tested at about 9%, and that’s why borrowing power drops so quickly.

One lender has a specific policy for HECS debts that are close to being paid off. It applies a 1% buffer instead of 3%.

The result was that her borrowing capacity went from about $500K to about $600K. She found the home she wanted and secured it.

The same person can get a very different outcome depending on which lender and which policy you go with.

If you’ve been told you can’t borrow enough, don’t sit there waiting. Send me a message or book a chat at https://providalend.com.au/book-appointment/ and I’ll tell you exactly where you stand.

12/10/2026

𝗜𝗻 𝗼𝘂𝗿 𝗰𝗹𝗶𝗲𝗻𝘁’𝘀 𝘄𝗼𝗿𝗱𝘀

“We’ve had an excellent experience working with Tim Cornelius from Provida Lend.

Tim consistently demonstrated a high level of professionalism and his ability to be prompt, helpful and transparent throughout the entire lending process, has enriched our experience.

Tim was flexible with us throughout this process and understood our financial goals and aspirations very clearly and thus recommending the best options for us. He kept us in the loop for everything at each stage for our investment and kept the channel open for feedback and suggestions as well.

Top notch customer service and not something I was expecting when I was given his referral.

Tim has by far exceeded all our expectations and I think Provida Lend and Tim have secured a lifetime customer by providing us such exceptional service.”

𝗥𝗲𝘃𝗶𝗲𝘄𝘀 𝗹𝗶𝗸𝗲 𝘁𝗵𝗶𝘀 𝗮𝗿𝗲 𝘄𝗵𝘆 𝗜 𝗱𝗼 𝘄𝗵𝗮𝘁 𝗜 𝗱𝗼.

Every loan has a person or a family behind it, with goals that matter to them. My job is to understand those goals, give you straight answers and walk with you through every stage.

Thank you for trusting me, and for the referral that brought us together. 🙏

Tim | Mortgage Broker for Migrants

If you’re thinking about your first home or your next investment, let’s talk. Send us a DM or book your free strategy session at https://providalend.com.au/book-appointment/

10/10/2026

“T𝗶𝗺, 𝗵𝗼𝘄 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗳𝗿𝗼𝗺 𝗼𝘁𝗵𝗲𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗯𝗿𝗼𝗸𝗲𝗿𝘀?”

I get asked this a lot, often by people who’ve had a bad experience before.

My answer is simple. I’ve walked this journey myself. I came to Australia as a migrant, went to different lenders, and got rejected three or four times before I bought my first home. That changed when I found a broker who knew how to structure the deal properly.

So now that’s my mission. When you reach out, I look at your situation and give you honest advice with no jargon, built around where you actually are.

It only takes a quick 15–20 minute chat to get clear on your options.

Book your 𝗳𝗿𝗲𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘀𝗲𝘀𝘀𝗶𝗼𝗻 via the link in our profile, or send us a message.

09/10/2026

𝗜𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝗲 𝗮 𝗳𝗿𝗶𝗲𝗻𝗱, 𝗰𝗼𝗹𝗹𝗲𝗮𝗴𝘂𝗲 𝗼𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗺𝗲𝗺𝗯𝗲𝗿 𝗮𝗻𝗱 𝗿𝗲𝗰𝗲𝗶𝘃𝗲 𝗮 $𝟮𝟱𝟬 𝗴𝗶𝗳𝘁 𝗰𝗮𝗿𝗱

It only takes 3 simple steps.

1. You realise a friend or family member could benefit from our help with a new loan or to refinance their existing one.

2. You ask for their permission and enter their details here for us to reach out: https://providalend.com.au/refer-a-friend/

3. Once the loan is settled, we'll send you a $250 gift card.

𝗧𝗲𝗿𝗺𝘀 & 𝗰𝗼𝗻𝗱𝗶𝘁𝗶𝗼𝗻𝘀:

-Eligibility for the $250 gift card is based on this criteria

-A successful referral is achieved once the loan has settled with the lender.

-Minimum loan size - $500,000

-Loan must be settled within 12 months from the date referral was received

-This referral program begins on 1st June 2024.

$250 you receive will be in the form of a gift card only and will be sent digitally via your choice of sms or e-mail within 3 business days after home loan has settled.

08/10/2026

𝗪𝗼𝗿𝗿𝗶𝗲𝗱 𝗮𝗯𝗼𝘂𝘁 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀 𝗼𝗻 𝗵𝗼𝘂𝘀𝗲 𝗽𝗿𝗶𝗰𝗲𝘀 𝗱𝗿𝗼𝗽𝗽𝗶𝗻𝗴? 𝗥𝗲𝗮𝗱 𝘁𝗵𝗶𝘀 𝗳𝗶𝗿𝘀𝘁.

All the talk about a housing downturn and negative equity can make buying feel risky. But here's what I've learned from years in lending:

Negative equity only really matters if you need to sell soon.

If you're buying to get into the market, and you plan to use that home as a stepping stone to build equity over time, short-term price swings matter far less.

Property is a long game. The longer you hold, the better placed you usually are.

If you're a first home buyer or new to Australia and not sure where to start, let's talk it through. Book a 𝗳𝗿𝗲𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘀𝗲𝘀𝘀𝗶𝗼𝗻 at https://providalend.com.au/book-appointment/, or send us a DM.

Address

Adelaide, SA

Telephone

+61403565035

Website

https://providalend.com.au/

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