361 Lending Solutions

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361 Lending Solutions We believe in open and honest discussions and our end goal is to connect you with the right product and make your borrowing process as hassle free as possible.

With 15+ years in the banking and finance and almost a decade of experience in mortgage broking, we have amassed a wealth of knowledge and built relationships which will help you with a solution that best suits your needs. We are a boutique mortgage broking business with a team of experienced and qualified mortgage brokers who strive to provide the clients with financial solutions that best suit their needs and objectives.

💳 The BNPL trap: how it could impact your home loan application 💳⁣⁣Buy Now Pay Later (BNPL) may be quick and convenient,...
14/10/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
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Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
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That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
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Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
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Talk to us to know how BNPL could impact your loan application. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🏡 Property listings climb higher, FOMO dials down 🏡⁣⁣Things are looking up for homebuyers, reports Domain. 📈⁣⁣Not so lon...
12/10/2026

🏡 Property listings climb higher, FOMO dials down 🏡⁣
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Things are looking up for homebuyers, reports Domain. 📈⁣
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Not so long ago FOMO (fear of missing out) was a driving force in the housing market. 😬⁣
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Today, new listings are up - while property prices in many parts of the country have plateaued (or even dipped).⁣
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That means buyers could have more negotiating power, and seller discounts are on the rise. ⁣
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It’s a trifecta that could see the stars align for your homebuying plans. ⭐⁣
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Contact us to see how you could benefit. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

📉 Lenders cut rates as competition heats up 📉⁣⁣There’s a “rate war brewing”, according to Canstar. ⁣⁣A rising tide of le...
07/10/2026

📉 Lenders cut rates as competition heats up 📉⁣
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There’s a “rate war brewing”, according to Canstar. ⁣
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A rising tide of lenders have cut their variable loan and short term fixed rates recently. ⁣
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The catch? ⚠️⁣
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Lower rates are usually reserved for new customers. 💡⁣
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The solution? 🤝⁣
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Refinancing could see you become a new customer, and benefit from a more competitive loan rate. ⁣
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Contact us to find out how. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣⁣The average tax-agent prepared tax refund is $3,550, acco...
05/10/2026

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣
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The average tax-agent prepared tax refund is $3,550, according to H&R Block. ⁣
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Those extra funds could potentially help you pay off your mortgage sooner.⁣
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That’s because 100% of additional lump sum payments reduce your home loan principal. 📉⁣
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In turn, that lowers the total amount of interest you're charged each month thereafter.⁣
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So more of each of your following monthly repayments work harder to pay down the loan balance. 📊⁣
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Call us to know how to put your tax refund to work lowering your home loan. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣⁣A survey by Agile Market Intelligence shows 65% of home...
30/09/2026

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣
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A survey by Agile Market Intelligence shows 65% of home loan borrowers are currently focusing on paying down their mortgage sooner. 🙌⁣
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Even small extra repayments can make a considerable difference over the long run when it comes to paying less interest and reducing your home loan term. ⁣
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Talk to us for strategies that could potentially help you clear the home loan slate sooner. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🩺 What happens in a home loan health check? 🩺⁣⁣First, we check the pulse of your loan: does it still meet your needs? 💡⁣...
28/09/2026

🩺 What happens in a home loan health check? 🩺⁣
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First, we check the pulse of your loan: does it still meet your needs? 💡⁣
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Next, we look at vitals like the interest rate and loan features. 📊⁣
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Then we scope the market to see if you could secure a lower interest rate or save money on fees. 💰⁣
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It’s all about having the home loan that helps keep you in great financial shape. 🏡⁣
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Call today to arrange a home loan health check. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🏡 What's the ideal age to move out and buy your own home? 🏡⁣⁣Research by Finder shows most Australians believe that by a...
23/09/2026

🏡 What's the ideal age to move out and buy your own home? 🏡⁣
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Research by Finder shows most Australians believe that by age 31 it’s well and truly time to fly the nest.⁣
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That’s not far off age 33 - the average age for first homebuyers (CommBank data). 🙌⁣
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Living with mum and dad throughout your 20s can have its advantages though, such as saving up more for a first home deposit.⁣
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And there are even federal government schemes, such as the First Home Super Saver Scheme, that can help boost those savings.⁣
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Contact us about pathways to buying your first home. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣⁣Under new tax reforms, investors can still negatively g...
21/09/2026

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣
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Under new tax reforms, investors can still negatively gear a property, and claim a 50% CGT discount. 💰⁣
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But only if you buy a newly built place that adds to housing supply. 🏡⁣
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That includes off-the-plan apartments, residential construction on previously vacant land, or a duplex built through a knock-down rebuild replacing a single freestanding house. 🏗️⁣
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Talk to us to find out more. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🌳 Why regional homes are gaining in popularity 🌳⁣⁣Relaxed living, better value and enticing affordability. 🌿⁣⁣It’s all d...
16/09/2026

🌳 Why regional homes are gaining in popularity 🌳⁣
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Relaxed living, better value and enticing affordability. 🌿⁣
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It’s all driving a trend towards regional living - either out bush or by the sea. 🏡⁣
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The regional median home value of $771,365 is much more affordable than the $1,030,973 median across our cities, according to Cotality research. 📊⁣
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Could a move to the regions help you become a home owner? 💡⁣
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Contact us to find out. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

🙌 The strategy that's struck a chord with 300,000+ first home buyers 🙌⁣⁣The 5% Deposit Scheme has made home ownership po...
14/09/2026

🙌 The strategy that's struck a chord with 300,000+ first home buyers 🙌⁣
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The 5% Deposit Scheme has made home ownership possible for over 300,000 Australians.⁣
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The federal government guarantees your loan.⁣
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That means no lenders mortgage insurance is needed - a big saving. 👍⁣
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Contact us to find out if you’re eligible. 👇⁣
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To find out more, DM us or contact Rachna on:

☎️ – 0433 000 034
💻 – [email protected]

Address

113/22-30 Wallace Avenue
Point Cook, VIC
3030

Opening Hours

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

Telephone

+61433000034

Website

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