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Trilogy Funding

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Canberra, ACT
Trilogy Funding

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Lending solutions for your home, investment, and commercial properties. Book a FREE Finance Strategy Session now! 📅

🫰 That’s us.

Trilogy Investment Property Funding specialises in assisting property investors arrange the right loans with the right structure for long-term investment success. We work extensively with both investors and first home buyers and their professional advisors and we are not aligned to any particular financial institution. It's our genuine independence that allows us to provide advice in your best interests, not the banks. As a property investor, you want a mortgage broker who understands how property investment works. Someone who invests in property themselves. And someone who knows how to structure your finance for maximum flexibility and control. Investing in property is one of the safest routes to wealth creation – but it is important to have a good team around you. We have 18 + years’ experience in the finance industry and always have been property investment finance specialists. No matter where you live in Australia, we can work with you to secure the very best finance options available. Our national office is in Canberra. However, we have clients across Australia in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart and many other cities and towns in between.

16/10/2026

Got questions about buying, refinancing, investing or just wondering what's possible?

We LOVE talking finance (yes, really), and you don't need to be ready to take out a loan to have a chat.

Book a free 15, 30 or 60-minute Finance Session with us. Bring your questions, talk through your plans, and get a clearer picture of your options. No pressure, no obligation, just a genuinely useful conversation.

And here's the fun part. We're giving away a $500 Visa gift card!

How to enter: Book AND complete your free Finance Session between October 16 and November 6 2026. That's it!

Who's eligible: Australian residents aged 18+ who haven't previously arranged a loan through Trilogy Funding. If we've chatted before but you haven't arranged a loan with us, you're still welcome to enter.

One entry per person. No loan application required. One winner will be drawn within seven days of the competition closing and notified within three days of the draw. No cash alternative.

Ready for a chat?
Book your free session here:
https://strategysession.trilogyfunding.com.au/finance-session

14/10/2026

Loyalty is great in a relationship.

With your bank? Maybe not so much. 😂

One of the most frustrating things we see is long-term customers paying a higher home loan rate while their bank is advertising sharper rates to attract new customers.

Your bank isn't necessarily going to call you and volunteer a better deal.

Sometimes you have to ask.

And if the answer isn't particularly impressive, that's when we see what else is out there.

If you haven't checked your home loan rate lately, send it to us. we'll tell you whether it's still competitive.

12/10/2026

The rate rise didn't just make mortgages more expensive.

It can also make it harder to borrow as much.

Here's why.

If you're looking at a home loan rate around 6.25%, the bank generally doesn't assess your ability to repay the loan at 6.25%.

With APRA's 3% serviceability buffer, you could be assessed at around 9.25%.

That higher assessment rate means the bank allows for much bigger hypothetical repayments when working out what you can afford.

And that can mean less borrowing power, even if your income hasn't changed.

So if you had your borrowing capacity calculated before the latest rate rise and you're still house hunting, I'd get the numbers checked again before making an offer.

A 0.25% move might sound small.

When you're pushing your borrowing capacity, it can matter.

07/10/2026

81.6% of Aussies now use a mortgage broker.

Which leaves 18.4% still going straight to their bank.

Guys. Loyalty is lovely in a relationship. With your bank? Not so much. 😂

Banks regularly roll out sharp offers to win new customers. Meanwhile, plenty of existing customers are sitting there quietly paying more than they need to.

Your bank isn’t going to shop around for you.
It isn’t going to tell you its competitor has a better deal.
And it definitely isn’t going to lose sleep over your loyalty.

So maybe don’t be the 18.4%.

Make them compete for you.

Source: MFAA, June quarter 2026. Mortgage brokers facilitated a record 81.6% of new residential home loans.

04/10/2026

How much of your household income does a mortgage eat up?

Apparently, quite a lot. 😬

As Canberrans, we don't get to say this very often, so we're going to enjoy it:

Canberra is looking almost… affordable? 😂

Almost.

And spare a thought for Sydney, where apparently the mortgage gets fed first, and everyone else can fight over what’s left.

These figures are based on the income needed to service a mortgage with a 20% deposit and 25-year loan term.

Source: Compare the Market, Mortgage Affordability Index 2026.

21/09/2026

Quick. What’s your home loan rate?

No checking the banking app. 😂

If you don’t know, you’re definitely not alone. But with lenders constantly changing pricing, it’s worth knowing whether the rate you’ve been quietly paying is still actually any good.

We built a ridiculously quick rate check for exactly this.

It takes about 60 seconds. Pop in your rate and a few loan details and we’ll tell you how it stacks up.

Worst case? Your rate is great and you carry on with your day.

Best case? We find you a better one.

Check yours here:
https://forms.trilogyfunding.com.au/60-sec-rate-check

16/09/2026

Absolutely. I’d make the caption set up the problem and then hand people straight into the article, rather than summarising everything.

Your bank says you can’t borrow enough. Or you don’t fit their policy. Or the loan you need simply isn’t something they’ll do.

That used to narrow your options pretty quickly. Not so much anymore.

Non-bank and specialist lending is growing fast, and we’re seeing more products designed for borrowers and situations that don’t fit neatly inside the traditional bank box.

So before you change your plans because your bank said no, it’s worth understanding why they said no, and whether another lender might see things differently.

Dave breaks down what’s changing in the lending market, where these alternative options can help, and the trade-offs you need to know about.

Read the article on our website:
Bank said no? Why more borrowers are looking beyond the major banks.
https://www.trilogyfunding.com.au/bank-said-no-why-more-borrowers-are-looking-beyond-the-major-banks/

14/09/2026

🏡 Ever wondered how your home’s value is really assessed? 🏡

When it comes to refinancing or securing a loan, the value of your home plays a critical role. But here’s the catch – the way lenders assess your property is very different from what a real estate agent might say.

🔑 Lender's Valuation: It's all about safety. Lenders use a strict process to determine how much they can safely lend, considering their own risk factors and market data.

💬 Real Estate Appraisal: Agents are looking at what a buyer might pay on the open market – it's about what’s desirable, not necessarily what the bank can lend against.

Understanding the difference is key when refinancing or buying. Ready to dive in? Here's why the lender’s valuation matters! 👇

07/09/2026

Most buyers go into this thinking they’ve cracked the code 🤓
Income. Deposit. Interest rate. Easy, right?

Except… lenders don’t all assess loans the same way.
And they definitely don’t weigh things in the order you expect 😅

Each lender has different rules, buffers, thresholds, and deal-breakers.
What works perfectly with one can fall over with another, using the exact same numbers.

So if this whole process feels confusing, inconsistent, or just… a lot, that’s completely normal.

It’s not that you’re doing anything wrong.
It’s just layered, nuanced, and constantly changing.

Hey 👋 we know what lenders actually look for, and we’re here to help 🤝

Address

Equinox, Building 1, Level 1, 70 Kent Street
Canberra, ACT
2600

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+611300657132

Website

https://www.trilogyfunding.com.au/, https://www.trilogyfunding.com.au/finance-strategy-session

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