TriLending

TriLending Whether you are looking for your first home, investing in another one or are wanting to refinance, I’ll be with you every step of the way.

I’m a specialist Mortgage Broker located in Victoria, passionate about helping my clients take charge of their finances and achieve their home ownership dreams. With access to over 60 banks and lenders and thousands of products, I’ll make the lenders work hard for you. Home purchasing
Refinancing
Loan applications
Home loans
First home buyers
Investment loans
Repricing
Next home loan
Personal loan

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https://applynow.finance//27840/pd-financial-services/270f1220-8178-4501-ab00-5ad43a5d267f #/get-started?utm_source=facebook&utm_medium=organic&utm_term=myleadgenerator

27/08/2026

Nurses who bought their first home using the government guarantee scheme, this one is worth reading.

Getting into the market with a low deposit was a smart move. But that same scheme can feel restrictive when you want to refinance or access the equity you have built up, because most lenders require your LVR to be below 80% before they will let you move without paying LMI.

The nurse LMI waiver changes that. Select lenders will allow registered nurses to refinance up to 90% LVR without LMI, which means you can review your rate, access equity and potentially use it for renovations, debt consolidation or a deposit on an investment property, without having to wait until you hit that 80% threshold.

If you bought with a low deposit and are wondering what your options look like now, it is worth having that conversation.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

26/08/2026

The rate matters. But it is rarely the whole story.

Getting the right loan is about understanding your borrowing capacity, your timeline, your structure and which lender is actually going to say yes to your situation. A good broker is across all of it, not just the number at the top of the page.

As a sole broker, Paddy is across your file from the first conversation through to settlement. One person, one point of contact, fully across your situation the whole way through.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

25/08/2026

Registered nurses, this one is for those of you thinking about an investment property.

The LMI waiver available to nurses is not limited to purchasing a primary residence. Select lenders will allow you to buy an investment property with as little as a 10% deposit, meaning you can hold onto more of your savings and potentially get into the investment market sooner than you thought possible.

A lower deposit requirement does not remove the need for a full credit assessment, but for nurses who have the borrowing capacity and the goal, it is a genuinely useful pathway worth exploring.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

21/08/2026

Fixed or variable? It is one of the most common questions Paddy gets asked, and the honest answer is that it depends entirely on your situation.

Certainty versus flexibility is really what you are choosing between. A fixed rate gives you a predictable repayment for a set period. A variable rate moves with the market, which can work in your favour or against you depending on the climate.

Neither is universally the right answer. What matters is what suits your goals, your cash flow and how much movement you can comfortably absorb in your repayments.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

20/08/2026

Already own a home? You may not need to save a second deposit to get into investment property.

The equity sitting in your current home could be used as the deposit on your next purchase. What matters just as much is your ability to service the additional debt, factoring in your income, expenses and the potential rental return on the new property.

How the loans are structured matters too. Keeping properties separate or combining them under one security are both options, and the right approach depends entirely on your individual situation.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

18/08/2026

The LMI waiver gets a lot of attention, and rightly so. But it is not the only way certain lenders go out of their way to support nurses.

How your income is assessed can make a significant difference to your borrowing capacity. Select lenders will count 100% of overtime, penalties and allowances, and will treat salary packaging as tax free income rather than taxable. For nurses working casually, through an agency or across multiple roles, some lenders will also recognise 100% of that income where others simply will not.

Genuine savings requirements can also be more flexible with the right lender, which can mean getting into the market sooner than you thought.

The difference between the right lender and the wrong one for a nurse is not small. It is worth knowing which is which before you apply.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

16/08/2026

If you are a nurse or know one, this series is worth following.

Over the coming weeks Paddy is breaking down the specific ways select lenders are saying yes to the nursing industry. From buying a first home to purchasing an investment property without paying lenders mortgage insurance at a high loan to value ratio, refinancing, maximising borrowing capacity and a few other policies that most nurses simply do not know exist.

Not every bank treats nurses the same. The difference between the right lender and the wrong one can have a real impact on what you are able to do and when.

Share this with a nurse who is thinking about buying, investing or reviewing their current loan.

📩 Book a free consultation at trilending.com.au

15/08/2026

One of the most common questions Paddy gets asked is how long the loan application process takes. The honest answer is that it depends.

Your timeline is shaped by how quickly documents can be gathered, how complex your situation is and which lender your application goes to. Some lenders can move in days. Others can take weeks regardless of how prepared you are going in.

Knowing your timeframe and working backwards from it is exactly where a broker adds value. The right lender for your situation is not always the fastest, but understanding the tradeoffs early means there are no surprises along the way.

📩 Book a free consultation at trilending.com.au

Registered nurses, this one is for you.Most nurses go through the standard process and never find out what was actually ...
13/08/2026

Registered nurses, this one is for you.

Most nurses go through the standard process and never find out what was actually available to them. The right lender assesses your income differently, requires less deposit and gives you more flexibility to refinance or invest.

Paddy specialises in matching nurses to the lenders who will work hardest for their situation.

📩 Book a free consultation at https://tidycal.com/trilending/15mincall

Address

21 Glengate Street
Geelong, VIC
3215

Opening Hours

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

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+61448637310

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