Tom Langford - My Finance Solutions

Tom Langford - My Finance Solutions Providing expert support in home loans and credit solutions, including first home buyers, property investment, refinancing, and commercial financing.

Also assisting with vehicle, equipment, and business loans to improve cash flow and support growth.

16/06/2026

Caught up with Jack from DECO at the trade show today.
Turns out most of his self-employed tradie customers are already coming through a finance broker first securing $5K–$10K packages before they ever place an order.
The logic is simple:
→ Get the finance sorted upfront
→ Order the materials with confidence
→ Pay it off when the customer pays
→ Cash flow stays healthy throughout
You don't need to drain your account every time a big job comes in.
If you're a tradie or business owner who wants to keep cash moving without the stress, let's have a conversation.
→ My Finance Solutions reach out today.

Present a calm, calculated breakdown of the rate. Outline concrete examples of what a fractional shift means for a $500k...
16/06/2026

Present a calm, calculated breakdown of the rate. Outline concrete examples of what a fractional shift means for a $500k vs $750k portfolio, plus practical budgeting tips.

We see this one all the time.A tradie decides they’re ready to buy. They go straight to their bank, sit through the meet...
14/06/2026

We see this one all the time.

A tradie decides they’re ready to buy. They go straight to their bank, sit through the meeting, and get knocked back — or offered a rate that makes absolutely no sense.

The mistake? Going to ONE lender without understanding your full options first.

Here’s what should happen instead:

1️⃣ Talk to a broker FIRST — we give you a clear picture of what you can borrow before anything’s on paper
2️⃣ We identify which lenders actually suit self-employed applicants
3️⃣ We put together one strong, well-prepared application — not five weak ones that hurt your credit score
4️⃣ You go in knowing the answer before you ask the question

Multiple bank applications = multiple credit hits. One broker = one smart move.

Don’t learn this the hard way. DM us before you do anything else. 🙏

If you’re a tradie and you’re wondering what lenders actually want to see — here’s the honest version:📁 Two years of per...
11/06/2026

If you’re a tradie and you’re wondering what lenders actually want to see — here’s the honest version:

📁 Two years of personal tax returns
📁 Two years of business tax returns (if you operate as a company or trust)
📁 Notice of Assessments from the ATO
📁 Business bank statements (usually 3–6 months)
📁 Your ABN registration (2+ years is the sweet spot)

Now — here’s the part most people don’t know:

Different lenders weigh these differently. Some will only look at your base income. Others will add back depreciation, vehicle expenses, and other deductions to get a more accurate picture of what you actually earn.

That’s where we come in. We match you to the lender that suits your situation — not just the one with the flashiest ad.

Questions about your specific situation? Drop them below or DM us. We genuinely love this stuff. 🤓

There’s something a bit ironic about a builder who’s helped hundreds of families into their dream homes… but hasn’t sort...
09/06/2026

There’s something a bit ironic about a builder who’s helped hundreds of families into their dream homes… but hasn’t sorted his own mortgage yet.

Sound familiar? No judgment. It’s busier being a tradie than most people realise.

But here’s the thing: every year you wait, you’re not just delaying ownership — you’re potentially missing out on equity growth, rental income, and the compounding benefits of property over time.

We’re not trying to pressure you. We’re just being straight with you — which is probably how you prefer it anyway.

If you’re finally ready to have the conversation, we’re ready to have it.

Free. No obligation. No fluff. Just a real chat about what’s possible for you.

Book via the link in bio, or just DM us. 🔨🏠

Myth: If you’re self-employed, you basically can’t get an investment loan.Fact: Some of our best investor clients are tr...
08/06/2026

Myth: If you’re self-employed, you basically can’t get an investment loan.

Fact: Some of our best investor clients are tradies. 🙌

The key is structure — and knowing which lenders actually want your business (hint: it’s not always the big four).

If you’re a tradie who’s been quietly thinking about buying an investment property, here’s what we look at:

📋 Your last two years of tax returns + business financials
🏦 Which of our 40+ lenders suits your income type
📊 How to structure the loan so it works for your strategy — not just your application
💡 Whether any grants or schemes apply to you

We do this every day. It’s genuinely less complicated than you think when you’ve got the right person in your corner.

Is property investment on your radar? Drop your questions in the comments — happy to answer them right here. 👇

06/06/2026

We caught up with Zach and Russell from CSR to take a look at their brand new internal cladding range.
At around $500 per panel, across 10–20 metres you're looking at a couple of thousand dollars — and that's before installation.
Renovation costs are real. But they don't have to be a roadblock.
If you're upgrading your home and need finance to make it happen, that's exactly what we're here for.
→ Reach out to My Finance Solutions today and let's talk through your options.

We know you’re not sitting at a desk from 9 to 5.That’s why we work around you.Phone call on lunch? Done.Quick DM after ...
04/06/2026

We know you’re not sitting at a desk from 9 to 5.

That’s why we work around you.

Phone call on lunch? Done.
Quick DM after the job’s wrapped up? No worries.
Evening appointment when the tools are down? Absolutely.

At My Finance Solutions, we don’t do the stiff, sit-down-in-a-bank-branch vibe. We talk like humans, we explain things clearly, and we sort out your finance without wasting your time.

Most tradies we work with are surprised by how straightforward it actually is once they’ve got the right broker.

The hard part? Deciding to make the call. We’ll handle everything after that.

Slide into our DMs or hit the link in bio. 📲 No forms, no fuss — just a real conversation.

🎭 Adelaide Cabaret Festival is here!From June 4–21, Adelaide comes alive with world-class performances, music, storytell...
03/06/2026

🎭 Adelaide Cabaret Festival is here!

From June 4–21, Adelaide comes alive with world-class performances, music, storytelling, and unforgettable entertainment. Whether you're a long-time cabaret enthusiast or looking for a unique night out, this iconic festival offers something for everyone.

At My Finance Solutions, we're proud to celebrate the events that bring our community together and showcase the vibrant culture of South Australia.

Have you booked your tickets yet?

If you’re a tradie and you’ve ever been knocked back by a bank for a home loan — this one’s for you.Here’s what actually...
03/06/2026

If you’re a tradie and you’ve ever been knocked back by a bank for a home loan — this one’s for you.

Here’s what actually happened: the bank looked at your tax return, saw a stack of deductions (the ones your accountant is very proud of), and decided your income “wasn’t stable enough.”

The income that keeps you booked out six weeks in advance. That income.

At My Finance Solutions, we work with tradies every single day. We know which lenders actually understand self-employed income. We know what add-backs apply. And we know how to put your application together so it tells the right story.

You built your business from the ground up. Getting a loan shouldn’t undo that.

DM us or book a free call — we’ll take a look at what’s possible. 💪

Address

Shepparton, VIC

Opening Hours

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

Telephone

+61407613147

Website

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