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The Advisory Financial Services

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Norwood, SA
The Advisory Financial Services

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Home Loans
Investment Loans

Wealth Creation through Property Investment

The Advisory offers innovative, flexible solutions to out clients to help them realise their financial potential. We provide a professional yet down-to-earth approach and pride ourselves on being easy to deal with. The Advisory team is highly respected in the industry with more than a combined 90 years experience. Our consultants and support staff have received numerous industry awards over the most recent years. Our vision is to become your first choice for all your finance needs by delivering a complete and integrated financial solution.

04/11/2026

Term of the Day: Credit Score

If you're planning to apply for a home loan, investment property loan, personal loan or other finance, you've probably heard the term credit score.

A credit score is a number that reflects information in your credit history, including how you've managed credit over time. While it's an important factor, it's not the only thing lenders look at. They may also consider your income, living expenses, existing debts, savings and overall financial position when assessing your application.

Credit information may form part of a lender's assessment, alongside factors such as income, expenses, existing debts and the lender's own criteria.

Understanding your financial position before applying can help you prepare with greater confidence.

Need help understanding your borrowing position? The Advisory Financial Services is here to help you explore your options.

📞 1300 716 100
📩 [email protected]
🔗 theadvisory.com.au

03/11/2026

𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐑𝐢𝐬𝐞𝐬 𝐭𝐨 𝟒.𝟖𝟓%!

The Reserve Bank of Australia (RBA) has increased the official cash rate by 25 basis points to 4.85%, as inflation remains elevated and cost pressures continue across the economy.

With rising fuel prices, slowing economic growth and a weaker housing market, the RBA expects inflation to remain above target for longer than previously forecast.

What it means:

• Borrowers on variable rates may face higher home loan repayments
• Rising fuel and commodity prices continue to drive inflation
• Housing prices have fallen, while household spending is expected to slow
• Inflation is expected to remain above 3% over the coming year
• Future rate decisions will depend on inflation and economic conditions

With interest rates continuing to rise, reviewing your current home loan may help you understand your repayments and available options.

👉 Want to know how the latest rate increase could affect your mortgage?

Get in touch with our team to review your home loan options.

📞 1300 716 100
📩 [email protected]
🔗 theadvisory.com.au

02/11/2026

Buying your first home is one of life's biggest milestones, but understanding the home loan process can feel overwhelming.

With property prices, interest rates and lending criteria continuing to evolve across Australia, being prepared before you start house hunting can help you better understand your borrowing position. Understanding your borrowing capacity, the upfront costs involved and the loan options available may help you make more informed decisions.

Whether you're just starting your property journey or you're ready to apply for a home loan, understanding the process and available lending options can help you prepare for the next steps.

At The Advisory Financial Services, we're here to help first home buyers explore lending options and navigate every step of the journey.

Contact us today to discuss your first home buying goals.

📞 1300 716 100
📩 [email protected]
🔗 theadvisory.com.au

30/10/2026

Thinking about a personal loan?

Whether you're planning a home renovation, covering unexpected expenses, consolidating debt or making a major purchase, a personal loan may provide a way to fund eligible expenses, depending on your circumstances and lender criteria.

Choosing a loan isn't just about the interest rate. It's also important to consider the loan amount, repayment terms, fees, features and the total cost of borrowing.

At The Advisory Financial Services, we'll help you explore your personal loan options and guide you through the application process from start to finish.

Get in touch today to see what options may be available to you, subject to lender approval.

28/10/2026

Paying off a personal loan early may sound like it automatically comes with extra costs, but that is not always the case.

Early repayment conditions vary between lenders and loan products. Some may allow additional repayments or early payout, while others may charge fees or apply restrictions.

Before making extra repayments, check the terms of your loan so you understand any costs that may apply.

The Advisory Financial Services can help you explore personal finance options and understand the features and costs involved.

26/10/2026

Thinking about buying your next home?

Moving from your current home to your next property can involve more than finding the right place. Your existing home loan, available equity, borrowing capacity and the timing of your purchase may all affect your options.

Before making an offer, it can help to understand your current financial position and the home loan options that may be available for your circumstances.

At The Advisory Financial Services, we can help you explore next home lending options and understand the steps involved in financing your next property purchase.

Planning your next move? Contact The Advisory Financial Services to discuss your home loan options.

📞 1300 716 100
📩 [email protected]
🔗 theadvisory.com.au

23/10/2026

Quick home loan quiz!

When applying for a home loan, lenders consider more than just your income.

Several financial factors can influence how much you may be eligible to borrow.

Do you know which of these factors lenders consider when assessing your borrowing capacity?

Take a look at the quiz and share your answer in the comments!

Understanding how lenders assess your finances can help you prepare before applying.

At The Advisory Financial Services, we help Australians explore their home loan options based on their circumstances and lender requirements.

22/10/2026

Planning to purchase equipment for your business?

Equipment finance may help eligible businesses purchase the machinery, technology or other business assets they need while spreading the cost over an agreed term.

Depending on the lender and the type of asset, finance may be available for new or used equipment. Loan terms, rates, fees and eligibility requirements can vary, so it is important to understand the available options before committing.

At The Advisory Financial Services, we can help you explore equipment finance options from a range of lenders and understand which solutions may be available for your circumstances.

Planning your next equipment purchase? Contact The Advisory Financial Services to discuss your finance options.

📞 1300 716 100
📩 [email protected]
🔗 theadvisory.com.au

21/10/2026

Buying your second investment property can be an exciting step towards growing your portfolio, but it also comes with new financial considerations.

Across Australia, lenders continue to assess borrowing capacity carefully, taking into account existing debts, living expenses, rental income and current lending policies. That's why reviewing your finances before making an offer can help you move forward with greater confidence.

Understanding your available equity, current borrowing capacity and existing loan structure can help you prepare for your next investment property purchase.

At The Advisory Financial Services, we help property investors explore lending options and structure finance that supports their long term investment plans.

20/10/2026

Refinancing can be an opportunity to review your home loan, but it is not always as straightforward as switching to a lower interest rate.

Lenders will generally look at your current financial situation, not the circumstances when you first took out your loan. That means changes to your income, expenses, existing debts, property value and lending policies can all influence the outcome.

Taking the time to understand these factors before applying may help you avoid surprises and make more informed decisions.

If you're wondering whether refinancing could work for your situation, our team can help you understand your options and guide you through the process.

Get in touch with The Advisory Financial Services to start the conversation.

📞 1300 716 100
📩 [email protected]
🔗 theadvisory.com.au

Address

19 The Parade
Norwood, SA
5067

Opening Hours

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

Telephone

+611300716100

Website

http://www.theadvisory.com.au/

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