Loan Studio

Loan Studio Where expertise meets elegance: premium lending strategies for your future.

Loan Studio is the vision of Colin Sheppard and Sonia Rohlf, both originating from the multi-national awarded Choice Home Loans division of Porter Davis Homes. Having successfully run the sales division of Choice Home Loans and leading the group to win an Australian Mortgage Award for Best Brokerage in Australia in both 2008 and 2009, this team recognised a need in the market. With the launch of L

oan Studio in 2011, a new boutique mortgage brokerage was created, providing long term, relationship-based lending solutions and, industry-leading service to clients and referral partners. The business has continued to grow in sales volumes and people resources, with current monthly sales exceeding $60 million dollars, and a number of new exciting divisions currently being opened. The team of savvy construction finance specialists have all been recruited based on our shared passion; to deliver an outstanding client experience. They are qualified, experienced, awarded, respected and dedicated to providing clients with a supportive and satisfying lending experience. It’s this passion and commitment that has seen Loan Studio awarded ‘Best New Brokerage 2012’ and recognised as a finalist for 'Brokerage of the Year 2013' at the Australian Mortgage Awards.

29/05/2026

If you're drowning in debt, you're not alone.
Credit cards, buy now pay later, car loans, personal loans. They all add up. And with home loan interest rates climbing, people are struggling to keep up with multiple repayments. Here's the thing. Your home loan is usually your largest debt, and chances are you've got equity in your property. That equity can be your way out.

Debt consolidation means bringing all those smaller debts into your home loan. Instead of juggling five different repayments, you've got one. And in most cases, we can reduce your overall repayments significantly.
The first step is knowing whether you've got equity. We can organise a free valuation on your property so there's no cost to you. Once we know what you're working with, we can build a strategy that works.

If you're unsure whether consolidation is an option for you, reach out. We can show you exactly how much you could save.

Two things are probably costing you money right now, and most people only focus on one of them.The first is your interes...
28/05/2026

Two things are probably costing you money right now, and most people only focus on one of them.
The first is your interest rate. If rates have shifted and you haven't reviewed your loan recently, you might be overpaying.
The second is your loan structure. Fixed versus variable, offset accounts, redraw features, debt consolidation options. Getting the structure wrong can cost you more than a slightly higher rate.
Right now, we're seeing more debt consolidation scenarios than ever. Credit cards, buy now pay later, car loans, personal loans. If you've got equity in your property, we can consolidate those debts into your home loan and reduce your overall repayments.
The first step is knowing where you stand. We can organise a free valuation on your property to see if you've got equity. From there, we work out a strategy that fits your situation.
At Loan Studio, we don't just look at interest rates. We look at how your loan is structured and whether there's a better setup available.
If you haven't had your loan reviewed recently, now's the time. No cost, no pressure, just a clear view of your options.

26/05/2026

A good mortgage broker doesn't just chase the lowest rate. We focus on structure first, because structure is what makes your loan work for you long term.
Fixed versus variable. Offset accounts. Redraw features. Debt consolidation options. These things shape how your loan performs day to day, and getting the structure wrong can cost you more than a slightly higher interest rate.

Everyone's situation is different. What works for someone else might not work for you. That's why we don't use cookie cutter solutions. We take the time to understand your goals, your cash flow, and what you're trying to achieve, then we build a loan structure around that.
Yes, we have access to over 50 lenders with competitive rates, and we'll find you a better deal if one exists. But rate is only part of the equation. If your loan structure doesn't fit your situation, you're leaving money on the table.

If you haven't been walked through the structure side of things, or you're not confident you're on the right setup, reach out. We'll review your loan and show you exactly where you stand.

23/05/2026

Proof of funds? In a world where everything’s digital, some clients still believe cash in hand is the strongest flex. 😂💸

Are your financial structures still aligned with your goals?Waiting 6 to 12 months to review your lending strategy can q...
22/05/2026

Are your financial structures still aligned with your goals?

Waiting 6 to 12 months to review your lending strategy can quietly erode your financial flexibility. From missed equity opportunities to unnecessary interest expenses, a delayed review can have a compounded impact on your long-term wealth.

A comprehensive mortgage review is simply a diagnostic tool. It allows you to understand your options and secure strategic structuring advantages before your flexibility is reduced.

Let us ensure your finance structure is working efficiently for you. Reach out to arrange a strategic consultation.

Most people think borrowing power is all about how much you earn. It's not.Lenders look at what you owe just as closely....
20/05/2026

Most people think borrowing power is all about how much you earn. It's not.
Lenders look at what you owe just as closely. Credit card limits, buy now pay later accounts, car loans, HECS debt, and unused credit limits all reduce how much you can borrow.

Here's what surprises people. Increasing your income by $20,000 might only add $50,000 to your borrowing capacity. But closing a credit card with a $10,000 limit could add $40,000 to what you can borrow.
This is why structuring matters.

A good broker doesn't just submit your application, they review your liabilities, identify what's reducing your capacity, and help you clean things up before you apply.

Sometimes that means closing unused accounts or consolidating debts. Small changes can shift your borrowing power significantly.

At Loan Studio, we assess your full financial position before we talk to lenders. We show you what's limiting your capacity and work through what you can improve.

If you're planning to buy soon and want to know where you actually stand, DM us today!

When you work with the right team, the home loan process feels completely different.It's not about rushing through paper...
16/05/2026

When you work with the right team, the home loan process feels completely different.
It's not about rushing through paperwork or pushing a product. It's about taking the time to understand what you actually need, exploring different options, and making sure everything is set up properly from the start.
Alan's review reflects exactly how we approach every client. We match your specific requirements to the right lenders, handle the back and forth so you don't have to, and stay with you through every stage until it's done.
The persistence, the attention to detail, the follow through, that's just how we work. Every client deserves that level of care, and we're grateful when it gets noticed.
Thank you, Alan, for trusting us with your home loan. It means a lot.
If you're looking for a broker who'll genuinely work through your situation with you, we're here.

[Client review, home loan success, mortgage broker Melbourne, trusted mortgage advisors, professional lending support, client testimonial, Loan Studio review]

13/05/2026

A lot of first home buyers are waiting for a “big change” in the market… but realistically, affordability pressures may still remain.

Yes, there are new announcements and promises being made but supply vs demand is still one of the biggest challenges Australia faces.
Migration is still rising, housing supply is still tight, and competition may not disappear overnight.

That’s why having the right strategy matters more than ever.

If you’re unsure where you stand as a first home buyer, the team at Loan Studio is here to help you understand your options and plan smarter for the market ahead. Call or simply DM us for a chat.

13/05/2026

Everyone’s talking about what will change with negative gearing… but almost no one’s talking about what won’t!

New builds may not be impacted the way people think and there’s a lot of confusion around contracts, settlements, grandfathering and future property plans.

Before making any rushed decisions, make sure you understand the full picture.

Follow for Part 2 coming next on
What this could mean for first home buyers!

11/05/2026

Negative gearing is being scrapped!

There’s been a lot of panic around negative gearing changes but here’s what you need to know.

If you’ve already settled your property, you may not be impacted.
If you’ve already signed a contract and are yet to settle, you may not be impacted.

There’s also expected to be a transition/grace period from tomorrow’s announcement through to mid next year.

Every situation is different, so if you’re currently buying, building, investing, or waiting on settlement and want clarity around your position, feel free to reach out. In the meantime, keep following us to stay updated on what’s coming up next!

You wouldn’t let $15,000 go to waste… would you?Right now in Queensland, eligible first home buyers can access the $30,0...
17/02/2026

You wouldn’t let $15,000 go to waste… would you?

Right now in Queensland, eligible first home buyers can access the $30,000 First Home Owner Grant — but only until June 30.

From 1 July, the grant drops back down to $15,000.

That’s a $15,000 difference for buying or building the exact same home.

Here’s what that means 👇

If you’re eligible and secure your contract before June 30:
✅ You could receive $30,000 instead of $15,000
✅ That’s a stronger deposit position
✅ Less pressure on your savings
✅ Potentially lower loan-to-value ratio
✅ More flexibility with lender options

This grant applies to eligible buyers purchasing or building a brand-new home in QLD (subject to price caps and criteria). Timing is critical — it’s not just about finding a property, it’s about structuring your finance correctly so you actually qualify in time.

We’re already helping clients:
• Check eligibility
• Understand the property price limits
• Map out realistic borrowing capacity
• Make sure contracts align with the June 30 deadline

If buying your first home has been sitting in the “later this year” category… this could mean an extra $15,000 in your pocket.

Message us “QLD” or send us a DM and we’ll tell you exactly where you stand and what your next move should be.

Because $15,000 is a lot of money to leave on the table.

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Address

Melbourne, VIC

Opening Hours

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

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+611300978051

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