What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

Victor Bidjossian - Mortgage Broker - Peak Wealth Finance

Home
Australia
South Yarra, VIC
Victor Bidjossian - Mortgage Broker - Peak Wealth Finance

Call Directions Website

Director - Mortgage & Finance Broker at Peak Wealth Finance. Need a loan? Get in touch with Victor Bidjossian - Mortgage Broker St Kilda. Rates subject to change.

Providing and facilitating holistic Finance and Lending solutions across:

Home, Investment & Developments | Business & Commercial | Personal & Vehicle | SMSF Servicing Melbourne, St Kilda, Toorak & surrounding suburbs. With access to a large number of different lenders, I enjoy helping customers find a tailored solution for their individual circumstances and aim to provide holistic solutions to meet my client's needs. This includes helping others with financial services such as: Home loans, business loans, commercial loans, investment loans, refinancing, personal loans, debt consolidation, motor finance and SMSF loans. To book a discussion please contact via information below:

+61 438 810 288
[email protected]

Terms, conditions, fees and charges may apply. Normal lending criteria apply. Approved applicants only.

23/09/2026

RUN. RAVE. REPEAT. 🏃‍♂️🎶⚡️

Presented by Peak Wealth Finance, Run & Rave is taking over St Kilda this Friday!

Join us for a social 5K from Jerry’s Milk Bar to St Kilda Pier and back then stick around as we turn up the music with a live DJ, BBQ, giveaways and plenty of post-run good vibes.

All abilities are welcome:

⚡️ 5:00 min/km pace
🏃 6:00 min/km pace
🎉 Party pace

Plus, one lucky runner will win their next race entry, valued at up to $265, thanks to Peak Wealth Finance! T&Cs apply.

📍 Jerry’s Milk Bar, St Kilda
📅 Friday 25 September
⏰ 2:00–5:00pm
🎟️ FREE—but tickets are limited and filling fast!

Register now, bring your crew and meet us at the start line.

CommunityRun

23/09/2026

💰 Refinance Smarter. Get Rewarded.

When was the last time you reviewed your home loan?

With interest rates and lender offers constantly changing, your current loan may no longer be working in your favour. A simple refinance could help you:

✅ Secure a more competitive rate
✅ Potentially lower your monthly repayments
✅ Access additional loan features
✅ Consolidate debt
✅ Access to equity if suitable
✅ Potentially receive up to $750 cashback* when you purchase or refinance an eligible loan.

At Peak Wealth Finance, we compare a wide range of lenders to find a solution tailored to your needs—not the banks’.

💬 Ready to see how much you could save? Book your NO OBLIGATION home loan review today and find out whether your mortgage is still the right fit.
👉DM, Call or click link in bio.

*T&Cs Apply. Cashback offer of up to $750 is valid for residential and commercial property loans including first home, next home, investment, commercial, smsf and property refinance; and will be paid on the 30th day in the following month of loan settlement. Cashback value is dependent on loan amount: $250 cash back up to $500k loan, $500 cash back $500k to $1m loan, $750 cash back on $1m+. Offer applies to one per application and not per person. The information outlined here is general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

Peak Wealth Pty Ltd trading as Peak Wealth Finance (ACN 653 345 745) is a Credit Representitive (CR No. 534778) authorise under Connective Credit Services Pty Ltd (Australian Credit License 389328)

08/07/2026

📌 Fact or Fiction - “Refinancing is expensive and not worth the hassle”:
❌ Fiction

Here’s how refinancing can benefit you:

1️⃣ Refinancing often saves thousands:
Even a 0.25–0.50% rate reduction can save huge amounts over a 30-year loan.

2️⃣ Many lenders offer cashback incentives:
Common cashback offers run between $2,000–$4,000 — often more than covering the refinancing costs.

3️⃣ You may be on an outdated rate:
Banks rarely reward loyalty.
New customers often get lower rates than existing ones.

4️⃣ Refinancing is not just about the interest rate, It can also:
Reduce loan term
Lower monthly repayments
Give access to equity
Improve cashflow
Move you to a loan with better features (offset/redraw)

How to Use This to Your Advantage:
✔ Review your rate every 24 months
✔ Use cashback to cover refinancing costs
✔ Shorten your loan to pay off your home faster
✔ Unlock equity for renovation or investment
✔ Improve cash flow by restructuring your loan
✔ Take advantage of better lender features (offset, redraw)

At Peak Wealth Finance we help clients determine scheme qualification, as well as deposit strategies and lender policy matching, helping you enter the market with less upfront stress.

🏠 Need help deciding on a loan that is right for you? Drop me a DM or click the link in bio to schedule a NO-OBLIGATION consultation! Let’s get you on the path to homeownership! 🙌

HomeBuyers MortgageQuestions HomeOwnershipJourney refinance

04/12/2025

🤔 Offset VS Redraw:

Understanding the difference between an offset account and a redraw facility is essential for Aussie homeowners who want to get the most out of their mortgage.

🏦 An offset account works like your everyday transaction account, but every dollar you keep in it reduces the interest you pay on your home loan — giving you full flexibility and instant access to your money.

🔁 A redraw facility lets you access extra repayments you’ve made directly into your loan, helping you pay off your mortgage faster while still having the option to pull funds out when needed.

While both features help lower interest, they differ in accessibility, lender rules, potential fees, and even tax implications for investors. Choosing the right structure can make a huge difference to your cash flow, loan term and long-term wealth strategy.

🏠 Looking for a tailored Loan review? At Peak Wealth Finance we help clients determine the best strategy for your situation, as well as borrowing-capacity assessment, government scheme matching and lender policy reviews, helping you enter the market with less upfront stress. We offer lending solutions across Home Loans, Investment Loans, SMSF, Commercial Property and more.

💬 Need help deciding on a loan that is right for you? Drop me a DM or click the link in bio 👉 to schedule a NO-OBLIGATION consultation! Let’s get you on the path to homeownership!

⚖ Disclaimer: This information is general in nature and does not consider your personal objectives, financial situation, or needs. Seek professional advice before making decisions.

17/11/2025

Word 3 – Fixed Rate Loan

Word of the Week: Fixed Rate Loan
A fixed rate loan is a type of home loan where your interest rate is locked in for a set period, usually 1–5 years.

This provides certainty over repayments during the fixed period, which can help with budgeting. However, it may come with less flexibility compared to variable loans.

At Peak Wealth Finance, we explain the pros and cons of loan types so clients can make informed choices.

📘 Interested in learning more? Reach out anytime for a no-obligation chat.

⚖️ Disclaimer: The above is general information only and does not consider your personal situation. Always seek professional advice before making decisions.

11/11/2025

🌟 5-Star Review Alert! 🌟

We are happy to congratulate Robert and Chao on securing a competitive rate on their refinance! 🏡

✨ Thank you for trusting us. Your kind words and feedback mean the world to us!

Here’s what they had to say about their experience:

“Property is one of the biggest assets you’ll ever have, and it deserves to be looked after by the right people!

Victor at Peak Wealth Finance made the entire process smooth, stress free and was always quick to communicate and kept me updated every step of the way. Victor genuinely cares and is very knowledgeable. Victor asked the right questions, and went above and beyond to get the best outcome.

I’ll be recommending Victor to friends and family, highly recommend! Thanks again Victor!”

At Peak Wealth Finance, we specialize in making the mortgage process seamless and stress-free. Whether you’re a first-time homebuyer, refinancing, or looking for other lending solutions, we’re here to help you secure a loan to suit your unique needs.

Ready to make your homeownership dreams come true? DM us today or click the link in our bio to learn how we can assist you on your mortgage journey! 🏡💰

29/10/2025

Buying your first home? Good news: there are grants and stamp duty savings that might apply to you — but eligibility depends on your purchase price, deposit, and whether you’ve owned property before.

We at Peak Wealth Finance stay up-to-date with government incentives so we can help first home buyers make the most of available help.

Want to check if you qualify? Visit peakwealthfinance.com.au, click link in bio 👉 to send me a message or call for a complimentary assessment — no cost, no obligation.

Peak Wealth Finance – helping first home buyers, investors & businesses get the right mortgage solution.

&

28/10/2025

🏠 Home to Live vs Investment Property — What’s Best for You?
Buying your own home or an investment property? Here’s a quick, clear breakdown to help consider your options.

📌 1. Purpose
Home: Bought for lifestyle, stability and “this is my place”.
Investment: Bought for income, growth and as part of a wealth-building strategy.

📌 2. Tax & Deductions
Home: Your primary residence earns you the CGT main-residence exemption — so when you sell, typically no Capital Gains Tax.
Investment: You’ll have tax-deductible interest & expenses, but CGT does apply when you sell.

📌 3. Incentives
Home: First Home Owner Grant, stamp duty concessions, low deposit schemes — available for buyers who plan to live in the property.
Investment: These incentives don’t apply; you’ll pay full stamp duty and may face land-tax depending on your state/ownership.

📌 4. Financing

Home: Lower interest rates, higher loan-to-value ratios (LVRs) possible, especially for first-home buyers.
Investment: Deposit usually larger, interest rates higher, lenders treat it as higher risk.

📌 5. Costs, Returns & Lifestyle
Home: You cover all the costs (maintenance, etc) but you also gain lifestyle value and CGT-free growth.
Investment: You aim for rental income and capital growth — but you’ll also manage property-manager fees, vacancy risk, maintenance, and market dips.

🔍 Looking for help?
If you’re in Melbourne or Victoria and want a tailored loan check, borrowing-capacity assessment, or guidance on what strategy suits you, get in touch with Victor at Peak Wealth Finance. We specialise in home loans, investment loans, SMSF, commercial & business finance.

📩 Send a DM or click the link in bio 👉
📞 Call +61 438 810 288
📍 Suite 2, Level 1, 54 Davis Avenue, South Yarra VIC 3141

✨ Ready to make the right property move? Let’s start the conversation today — no obligation, personalised to you.

21/10/2025

Word of the Week: LVR (Loan to Value Ratio)

LVR is the percentage of a property’s value that you’re borrowing. For example, if you buy a property worth $500,000 and borrow $400,000, your LVR is 80%.

Lenders use LVR to assess risk and may require Lenders Mortgage Insurance (LMI) if your LVR is above the standard 80% threshold.

Understanding LVR can help you plan your deposit and know what lenders may look for.

At Peak Wealth Finance, we help clients understand the different lending terms and how they play a role in their lending journey.

📘 Have questions about how LVR impacts borrowing? Send us a DM for a no-obligation call.

⚖️ Disclaimer: This information is general in nature only. Consider your own circumstances and seek tailored advice before making decisions.

Address

Suite 2, Level 1, 54 Davis Avenue
South Yarra, VIC
3141

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+61438810288

Website

http://www.peakwealthfinance.com.au/, https://linktr.ee/yourbroker_victor

Alerts

Be the first to know and let us send you an email when Victor Bidjossian - Mortgage Broker - Peak Wealth Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.