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.

03/06/2026

Let’s take a minute to re-introduce our team 👋

At Trusted Financial Choice, we understand that finance can already feel overwhelming and language should never be an extra barrier.

Our team is proud to support clients in 8 different languages, helping families, business owners and investors feel more confident when making important lending decisions.

Whether it’s your first home, next investment, business finance, commercial lending or asset finance, we’re here to guide you in a way that feels clear, comfortable and personal.

At TFC, it’s not just about loans, it’s about people, trust and understanding.
Say hello to the team 💙

📞 0403 167 641 🌐 www.tfchoice.com.au 📍 Clayton, Melbourne

An offset account can be valuable, but it depends on how you use it.An offset account is linked to your home loan and wo...
01/06/2026

An offset account can be valuable, but it depends on how you use it.

An offset account is linked to your home loan and works by reducing the amount of interest charged. Instead of earning interest like a regular savings account, the balance in your offset is “offset” against your loan.

For example, if you have a $600,000 loan and $50,000 in your offset, you are only charged interest on $550,000.

This can make a meaningful difference over time, especially if you consistently keep savings in the account.

It also offers flexibility. You can access your funds at any time, making it useful for managing cash flow, keeping an emergency buffer, or directing your income into one place.

However, it’s important to consider whether it suits your situation. Some loans with offset accounts may have higher interest rates or additional fees, so the benefit depends on how much you keep in the account and how you manage it.

Like any feature, it’s not just about having it. It’s about using it effectively.

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

Whatever your financial situation looks like right now, we've seen it all, and we're not here to judge.• Bad credit. • M...
31/05/2026

Whatever your financial situation looks like right now, we've seen it all, and we're not here to judge.

• Bad credit.
• Missed payments.
• ATO debt.
• Declined applications.
• Low deposit.
• Irregular income.

You are not alone - and your situation is more common than you think.

Our job isn't to judge where you've been. It's to find the best possible path forward from where you are right now. Some of our best outcomes have come from clients who almost didn't pick up the phone because they were afraid to ask.

That call you've been putting off? Make it today.

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

When you apply for a home loan, a valuation report is ordered by the lender (often through your broker) to determine the...
31/05/2026

When you apply for a home loan, a valuation report is ordered by the lender (often through your broker) to determine the current market value of the property.

This is not about what you’re willing to pay. It’s about what the property is worth in the eyes of the lender.

The valuation helps the lender assess risk and decide how much they are prepared to lend.

Valuations can be completed in different ways:

• Desktop valuation (no inspection, based on data)
• Kerbside valuation (external inspection only)
• Full valuation (internal inspection by a valuer)

The outcome can impact:

• Your borrowing capacity
• Whether LMI applies
• How much deposit you may need

If the valuation comes in lower than expected, it can affect your plans, but there are often options to navigate it.

Understanding this step early can help avoid surprises during the process.

If you’re unsure how valuations work or what to expect, we’re here to guide you through it.

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

Whether you are upgrading your personal vehicle or purchasing for work, asset finance can help you get behind the wheel ...
30/05/2026

Whether you are upgrading your personal vehicle or purchasing for work, asset finance can help you get behind the wheel without draining your savings.

Instead of paying the full amount upfront, asset finance allows you to spread the cost over a set term with regular repayments that suit your budget.

We work with a range of lenders to find a structure that works for your situation, whether that is a chattel mortgage, hire purchase, or a straightforward car loan.
Fast approvals, competitive rates, and a process that is straightforward from start to finish.

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

Managing your money does not need to be complicated.Having the right tools in place can make it easier to track your spe...
28/05/2026

Managing your money does not need to be complicated.

Having the right tools in place can make it easier to track your spending, stay organised, and build better financial habits over time.

Apps like Pocketbook, Frollo, WeMoney, MoneyBrilliant, Buddy, and YNAB (You Need A Budget) are designed to give you a clearer view of where your money is going and help you stay on track with your goals.

Before choosing one, it’s also worth checking any fees, subscription costs, or premium features, as these can vary between apps.

Consistency is what makes the difference, so choose one that suits your routine and keep it simple.

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

Financial confidence starts with understanding your money and having the right support around you. 💙Know your numbers, s...
28/05/2026

Financial confidence starts with understanding your money and having the right support around you. 💙

Know your numbers, set clear goals, and don’t be afraid to ask for advice. You don’t need to know everything — you just need to start the conversation. ✨

Temporary resident? A home loan may still be possible.Your visa status does not automatically rule you out from buying p...
27/05/2026

Temporary resident? A home loan may still be possible.

Your visa status does not automatically rule you out from buying property in Australia.

Depending on your visa subclass, income, employment history, deposit, and overall financial position, some lenders may consider your application. In certain situations, borrowing up to 90% may be possible.

Every lender has different policies, so the right structure and lender choice matter.

If you’re unsure where you stand, get in touch with our team for a confidential discussion.

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

Loyalty doesn’t always pay when it comes to your home loan.Many homeowners stay with the same lender for years without r...
27/05/2026

Loyalty doesn’t always pay when it comes to your home loan.

Many homeowners stay with the same lender for years without realising their rate may no longer be competitive.

Often, lenders offer their sharpest rates to new customers, while existing customers can be left paying more.

That advertised rate you keep seeing may be available, but not necessarily through your current lender.

The longer your loan goes without a proper review, the more interest you could be paying over time.

That’s where we come in.

At Trusted Financial Choice, we compare options across 40+ lenders to see what you may actually qualify for and whether a better rate is available.

📞 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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