Trusted Financial Choice

Trusted Financial Choice Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Trusted Financial Choice, Mortgage brokers, 12/195 Wellington Road, Clayton, Melbourne.

An accredited lending and financial business with a team of experts providing individual and commercial clients tailored solutions in the following areas: Home Loans, Commercial Loans, Development Finance, Asset Finance, SMSF Loans and Short-Term Loans.

Home loan pre-approval does not last forever.Most lenders only keep a pre-approval valid for a limited time, often aroun...
24/06/2026

Home loan pre-approval does not last forever.

Most lenders only keep a pre-approval valid for a limited time, often around 90 days. If you do not find a property within that period, your lender may need to reassess your income, expenses, credit position and borrowing capacity.

Before you make an offer or bid at auction, it is important to check that your pre-approval is still current and your numbers still work.

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton, Melbourne

The Federal Government has committed an additional $2 billion towards critical housing infrastructure, including roads, ...
22/06/2026

The Federal Government has committed an additional $2 billion towards critical housing infrastructure, including roads, water, sewerage and electricity connections.

The aim is to help unlock stalled residential land and support the development of new communities across Australia.

For buyers, this could mean more master-planned communities, more titled land, and more opportunities to build in growing suburbs over time.

However, not every new area will suit every buyer. Location, transport, schools, future amenities, build timelines and finance structure all still play an important role.

Do you think 'new housing infrastructure funding', could open up more opportunities for buyers?

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton, Melbourne

Building your first home is a huge milestone, and we’re grateful Sherif trusted Trusted Financial Choice to be part of t...
21/06/2026

Building your first home is a huge milestone, and we’re grateful Sherif trusted Trusted Financial Choice to be part of the journey.

From securing the right finance solution to supporting the lending process along the way, we’re glad we could help make the experience smoother and less overwhelming.

Thank you for the 5-star review, and congratulations again on your new home journey.

https://maps.app.goo.gl/qsLD1Sx6U1cunYmA6

Building a home can be exciting, but delays can affect your construction loan and household budget.During construction, ...
21/06/2026

Building a home can be exciting, but delays can affect your construction loan and household budget.

During construction, you usually make interest-only repayments on the amount that has already been drawn down. If the build takes longer than expected, you may continue paying interest for extra months before you can move in or rent out the property.

Even if the next progress payment has not been released yet, delays can still create pressure, especially if you are also paying rent, another mortgage, or other living costs.

It is also important to check your loan conditions, as some lenders require construction to be completed within a set timeframe.

If your build has been delayed or you are planning a construction loan, book an appointment with us. We can help you understand your loan structure, key deadlines and available options.

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton, Melbourne

When an SMSF borrows to buy an investment property, the loan is usually set up under a Limited Recourse Borrowing Arrang...
20/06/2026

When an SMSF borrows to buy an investment property, the loan is usually set up under a Limited Recourse Borrowing Arrangement, also known as an LRBA.

In simple terms, this means the lender’s rights are generally limited to the asset purchased under the arrangement if the loan defaults. The property is held in a separate holding trust, while the SMSF receives the beneficial interest in the asset.

This structure is designed to help protect the fund’s other assets, but SMSF borrowing comes with strict rules and must be set up correctly from the start.

Before entering into an SMSF property loan, it is important to get the right legal, tax and financial advice.

If you are considering buying property through your SMSF, reach out to us. We can help you understand the lending side and work alongside your accountant or adviser to map out the next steps.

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton, Melbourne

Big changes have been proposed for the Capital Gains Tax in Australia.From 1 July 2027, the current 50% CGT discount for...
17/06/2026

Big changes have been proposed for the Capital Gains Tax in Australia.

From 1 July 2027, the current 50% CGT discount for individuals, trusts and partnerships may be replaced with a new system based on cost base indexation and a 30% minimum tax rate on capital gains.

In simple terms, instead of automatically reducing an eligible capital gain by 50%, the cost base of the asset may be adjusted for inflation, with tax then calculated on the real gain. Transitional rules are expected to apply for assets already held before the start date, meaning earlier capital growth may be treated differently.

For property investors, these changes could affect how future investment decisions are assessed, especially when reviewing long-term cash flow, tax outcomes and exit strategies.

These rules are not yet law, so it is important to seek advice before making any decisions.

If you are reviewing your investment plans or preparing for a future purchase, reach out to us. Our team can help you understand your borrowing position and work alongside your accountant or financial adviser to map out the next steps.

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton, Melbourne

The RBA has kept the cash rate at 4.35%.While rates remain unchanged, it's still worth reviewing your home loan. Your cu...
17/06/2026

The RBA has kept the cash rate at 4.35%.

While rates remain unchanged, it's still worth reviewing your home loan. Your current lender may not be offering the most competitive rate available.

Let our team help ensure your loan is still working for you.

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton

The current housing market is highly fragmented, meaning that different neighbourhoods and property types are performing...
17/06/2026

The current housing market is highly fragmented, meaning that different neighbourhoods and property types are performing in completely different ways.

Buying the first house you see just to get into the market can be risky, as some overvalued areas are cooling down while well-located properties near transport and schools continue to hold their value.

Taking your time to study local data and being selective ensures you invest in a property that will support your financial future over the long term.

If you want to clarify your buying parameters or explore your potential in these changing conditions, talk to us today.

📞 0403 167 641
🌐 www.tfchoice.com.au
📍 12/195 Wellington Rd, Clayton, Melbourne

Address

12/195 Wellington Road, Clayton
Melbourne, VIC
3168

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 9am - 2pm

Telephone

+61403167641

Website

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