TriLending

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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 loans

Get started online:

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

No two businesses are the same, so why should their finance solutions be?Whether you're purchasing commercial property, ...
19/10/2026

No two businesses are the same, so why should their finance solutions be?

Whether you're purchasing commercial property, investing in new equipment, expanding operations, improving cash flow, or refinancing existing business debt, the right lending strategy starts with understanding your business, not squeezing it into a standard solution.

Every business has different goals, different structures, and different challenges. That's why commercial lending isn't simply about finding a loan. It's about finding the right finance solution for where your business is today and where you want it to be tomorrow.

The right finance can create opportunities for growth. The wrong one can limit them.

If you're considering your next business move, it could be worth having a conversation before making your next financial decision.

Sometimes, the right strategy isn't about borrowing more. It's about borrowing smarter.

15/10/2026

There are five government schemes designed to help first home buyers get into the property market. Most people have heard of one or two. Very few know which ones they actually qualify for.

Low deposit schemes, the super saver scheme, stamp duty concessions, the help to buy scheme and grants for new builds all exist to make getting into the market more achievable. The catch is that working out which ones apply to your situation, and which lender will give you the best outcome across all of them, is where it gets complicated fast.

If you watched this far, you already know you need the right person in your corner to make sense of it.

📩 Book a free consultation. Link in bio.

14/10/2026

The proposed negative gearing changes are already affecting how banks assess borrowing capacity for investors, and the impact is significant.

Some lenders are already factoring the changes into their assessments, with borrowing power for investment purchases dropping by as much as 30% in certain scenarios. For anyone with an investment property purchase in mind, that is not a number to ignore.

The pivot for some investors will be looking at new builds through land and construction, which sit outside the scope of the negative gearing changes for established properties. Others may look at leveraging equity to purchase shares, which can still be negatively geared under the current rules.

This is not financial advice and your accountant needs to be in the conversation. But if you are an investor and have not revisited your strategy in light of these changes, now is the time.

📩 Book a free consultation. Link in bio.

13/10/2026

Asset finance can be straightforward to access as a business owner. But easy to get does not always mean right to get.

Taking on equipment or vehicle finance without looking at the bigger picture can affect your borrowing capacity when it matters most, whether that is purchasing an investment property, buying commercial premises or future business lending.

Before you move forward, it is worth sitting down with your accountant and your broker to make sure the decision fits your goals over the next 12 to 24 months, not just right now.

📩 Book a free consultation through link in Bio

Buying a home is one of the biggest financial decisions you'll make, and it shouldn't feel overwhelming. Paddy believes ...
12/10/2026

Buying a home is one of the biggest financial decisions you'll make, and it shouldn't feel overwhelming.

Paddy believes great lending advice starts with understanding your goals, explaining your options clearly, and helping you make confident decisions every step of the way.

Whether you're buying your first home, refinancing, investing, or simply exploring what's possible, you'll have someone in your corner who takes the time to listen, educate, and guide you through the process.

If you're ready for clear advice and honest conversations about your property goals, Paddy is here to help!

08/10/2026

Property investors think differently about interest rates. And after working with investors over the years, Paddy has noticed why.

When the goal is long term wealth through property, the rate becomes far less important than the asset itself. A $700,000 investment property held for 30 years at 6% annual capital growth becomes roughly $4,000,000. With an interest only loan held over that same period the debt stays at $700,000, leaving net capital growth of around $3.3 million.

Paying a slightly higher interest rate to access the right property or the right structure is a trade off experienced investors are generally willing to make. The numbers tend to speak for themselves.

There are costs and considerations along the way and this is not financial advice. But if you have been holding off on an investment purchase because the rate does not feel perfect, it might be worth looking at the bigger picture.

📩 Book a free consultation. Link in bio.

07/10/2026

Your bank's borrowing capacity figure is not the full picture.

Every lender assesses your situation differently. The way they calculate income, overtime, bonuses, allowances and self-employed earnings varies significantly. So does the way they treat existing debts and living costs. It is not uncommon for Paddy's clients to see a difference of over $300,000 in borrowing capacity from one lender to the next.

If your bank has given you a number and it is not where you need it to be, that number is worth challenging before you rule anything out.

📩 Book a free consultation. Link in bio.

06/10/2026

Negative gearing has changed. It has not disappeared.

The proposed changes apply to established properties purchased after the grandfathering date. New builds that have never been lived in are still eligible. Properties purchased before the cutoff date remain unaffected. And one pathway that has not had much airtime is that negative gearing can still apply when leveraging equity from your home to purchase shares.

This is not financial advice and your accountant should always be your first call on the tax side of things. But if you heard negative gearing was gone and stepped back from your investment plans, it is worth having a fresh conversation.

📩 Book a free consultation. Link in bio.

The right equipment can help your business operate more efficiently, improve productivity, and create new opportunities ...
05/10/2026

The right equipment can help your business operate more efficiently, improve productivity, and create new opportunities for growth.

The challenge is that major purchases don't always come at the right time for your cash flow.

That's where asset finance can help.

Whether you're purchasing vehicles, machinery, specialised equipment, or upgrading essential business assets, finance may allow you to invest in what your business needs without paying the full cost upfront.

The best solution isn't always about finding finance. It's about finding finance that works with your business goals, cash flow, and future plans.

If new equipment is on your wish list but you're unsure what's possible, it could be worth having a conversation before putting your plans on hold.

The RBA has raised the cash rate from 4.35% to 4.60%, an increase of 25 basis points. This is the fourth rate rise in 20...
02/10/2026

The RBA has raised the cash rate from 4.35% to 4.60%, an increase of 25 basis points. This is the fourth rate rise in 2026 and borrowing costs continue to move in one direction.

As reported by the ABC, Australians with a $750,000 mortgage are looking at an extra $114 per month from this decision alone, with the total hit since the RBA began raising rates sitting at $454 per month.

For those on variable rates, lenders will likely pass this on. For those coming off fixed rates, the gap between what you were paying and what you will pay is worth understanding before it hits.

A rate rise is also a good reminder to check whether your current loan is still competitive. Your lender is not going to call you. But Paddy will.

Figures shown are illustrative only. Actual repayment changes depend on your loan, interest rate, term and lender.

📩 Book a free consultation. Link in bio.

Address

21 Glengate Street
Geelong, VIC
3215

Opening Hours

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

Telephone

+61448637310

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