SCM Finance Solutions

SCM Finance Solutions Purchase, refinance, construction of residential homes, Commercial or Development loans through to Asset Finance.

Whether you are PAYG, self-employed or looking for Lo-Doc options we can help you.

“How much can I borrow?”This is one of the most common questions we get.And the answer? It depends. Lenders look at much...
26/05/2026

“How much can I borrow?”
This is one of the most common questions we get.

And the answer? It depends.

Lenders look at much more than just your income. They will also assess things like:
💳 Credit card limits
🎓 HECS/HELP debt
🛒 Living expenses
🛡️ Personal insurance
👨‍👩‍👧 Dependants or school fees
🚗 Car loans and personal loans
🏡 Existing mortgages or investment debt

Two people earning the same income can have very different borrowing capacities depending on their overall financial position. That’s where we come in.

We’ll help you get your numbers right BEFORE you apply — so you can plan with confidence and avoid nasty surprises.

FirstHomeBuyer PropertyGoals

💖 Fall in Love with Your FinancesThis Valentine’s Day, give your finances the attention they deserve!✅ Create a budget t...
13/02/2026

💖 Fall in Love with Your Finances

This Valentine’s Day, give your finances the attention they deserve!

✅ Create a budget that works for you.
✅ Reduce debt.
✅ Save for your dream home.

Let us help you get financially ready for the future. 💌

👻💸If your money situation feels a little haunted right now…Missed payments.Low savings.No idea where to start. Take a br...
12/02/2026

👻💸If your money situation feels a little haunted right now…
Missed payments.
Low savings.
No idea where to start.

Take a breath. You’re not cursed. You’re human.

Most people don’t wake up with perfect finances, they build them over time (with the right plan and the right support).
That’s where a good broker comes in.
No judgement.
No horror stories.
Just real conversations and practical strategies.

So this Friday the 13th, don’t let fear stop you from taking the first step.
Slide into our DMs
Let’s turn “scary” into sorted. ✔️

🛠️ Small Biz Owners, Yes, You CAN Get a Home Loan!Self-employed and worried about getting a home loan? Don’t stress—we’v...
12/02/2026

🛠️ Small Biz Owners, Yes, You CAN Get a Home Loan!

Self-employed and worried about getting a home loan? Don’t stress—we’ve got this! With a little prep and the right guidance, homeownership is absolutely within reach. Here’s how to set yourself up for success:

✅ Organize Your Financials: Keep your BAS and tax returns consistent and up-to-date. Banks love clarity!
✅ Keep Business and Personal Separate: It makes everything smoother (and less stressful!) for everyone.
✅ Pay Yourself Regularly and Pay Tax: Yep, we said it—tax matters! Banks calculate your loan eligibility based on your taxable income, not your total revenue.

💡 Example:
If your annual sales are $200k, but expenses are $130k, leaving you with $70k taxable income, the bank looks at the $70k—not the $200k. That’s what determines how much you can borrow.
BUT WAIT! There’s good news: we can factor in things like one-off expenses or depreciation to improve the picture.

🔑 Pro Tip: Always chat with your accountant to ensure your financials align with your goals (we’re not tax advisors, but we know what banks want to see).

And if you don’t fit the typical bank mold (hey, so many don’t!), don’t worry—we’ve got options and solutions tailored just for you. Let’s make it happen! 🏡✨

BrokerSupport

As the year comes to a close, we want to sincerely thank you for your continued trust and support. Every conversation, r...
24/12/2025

As the year comes to a close, we want to sincerely thank you for your continued trust and support. Every conversation, referral and opportunity to guide you through important financial decisions is something we truly value. It’s a privilege to support you and your families.

From all of us at SCM Financial Group, we wish you a joyful festive season and a happy and safe New Year 🤍

⭐️⭐️⭐️⭐️⭐️Driven by exceptional client care and a commitment to the best possible outcomes. Grateful for another 5-star ...
27/11/2025

⭐️⭐️⭐️⭐️⭐️
Driven by exceptional client care and a commitment to the best possible outcomes. Grateful for another 5-star Google review!

Goodbye HECS hurdle (maybe)🎓🏡Some lenders are more flexible with HELP/HECS when assessing borrowing power—policy varies,...
20/11/2025

Goodbye HECS hurdle (maybe)🎓🏡

Some lenders are more flexible with HELP/HECS when assessing borrowing power—policy varies, so it pays to compare.

What we’ll check:
• Your borrowing power with/without HECS scenarios
• Repayment plan & timing (pay down vs keep)
• DTI/buffers and how each lender treats them

If you’re looking to buy and have a HECS debt, let’s chat. We’ll walk you through the options and match you with the right lender.

DM “HECS” and we’ll run the numbers.

🏡📈Equity is the value of ownership you have built up in your property over time, and understanding it is key to unlockin...
22/10/2025

🏡📈
Equity is the value of ownership you have built up in your property over time, and understanding it is key to unlocking financial opportunities. Has your property increased in value since you bought it? If so, you might have equity available to fund that renovation or upgrade. Let’s chat about how we can put that equity to work!

How much can you borrow? 🔍💰It depends….. on so much! Your monthly income and spending will determine how much the banks ...
20/10/2025

How much can you borrow? 🔍💰
It depends….. on so much! Your monthly income and spending will determine how much the banks will offer you. We’ll run the numbers so you know:

• Maximum borrowing power (based on income, debts, buffers)
• Deposit needed (5%–20%+ options)
• Monthly repayments (incl. rate rise buffer)

DM “POWER” for a complimentary borrowing power check. We’ll map out your next steps.

Don’t set & forget your mortgage. ⏰💸If it’s been 12+ months since your last review, you could be overpaying.Why check no...
01/10/2025

Don’t set & forget your mortgage. ⏰💸
If it’s been 12+ months since your last review, you could be overpaying.

Why check now?
• Rates & fees change 🎯
• Intro discounts expire ⏳
• Your equity may unlock better pricing 🔓
• Small % drop = big $$ saved over the year 💥

DM “REVIEW” and we’ll tell you if you’re still on a sharp rate—or tee up a better one. No pressure, just facts.

💬 Ready when you are. It could save you more than you think.

Address

Level 2, 917 Riversdale Road
Surrey Hills, VIC
3127

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+61390020075

Website

Alerts

Be the first to know and let us send you an email when SCM Finance Solutions posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to SCM Finance Solutions:

Shortcuts

Share

Category