Lydian Financial Services

Lydian Financial Services A New Breed of Mortgage &
Lending Professionals. Winner of SFG National Awards 2024
Best Independent Office Award

Nothing beats great feedback! ๐Ÿฆ Thanks to A. M. for the kind words, and a massive shoutout to Steven Spanton and our Ope...
07/09/2026

Nothing beats great feedback! ๐Ÿฆ Thanks to A. M. for the kind words, and a massive shoutout to Steven Spanton and our Operations Team for continuing to go above and beyond! ๐Ÿ™Œ

Get in touch with Steven: [email protected]/" rel="ugc" target="_blank">https://outlook.office.com/book/[email protected]/

Hear the lionโ€™s wisdom straight ๐…๐ซ๐จ๐ฆ ๐“๐ก๐ž ๐‹๐ข๐จ๐ง'๐ฌ ๐ƒ๐ž๐ง! ๐Ÿฆ Welcome to our weekly series, where the Lydian team shares practi...
03/09/2026

Hear the lionโ€™s wisdom straight ๐…๐ซ๐จ๐ฆ ๐“๐ก๐ž ๐‹๐ข๐จ๐ง'๐ฌ ๐ƒ๐ž๐ง! ๐Ÿฆ Welcome to our weekly series, where the Lydian team shares practical tips, guides and insights to help tackle the challenges faced by clients and financial planners alike.

This week's topic: ๐‹๐š๐ญ๐ž๐ซ ๐‹๐ข๐Ÿ๐ž ๐‹๐ž๐ง๐๐ข๐ง๐ - ๐˜๐จ๐ฎ๐ซ ๐‡๐จ๐ฆ๐ž ๐‚๐š๐ง ๐‡๐ž๐ฅ๐ฉ ๐…๐ฎ๐ง๐ ๐˜๐จ๐ฎ๐ซ ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ

Click the link below to view the free PDF ๐Ÿ‘‡

https://lydianfinancialservices-my.sharepoint.com/:b:/g/personal/terence_laguardia_lydian_com_au/IQCJQ04peOh1TruwFhf-be2aAVbrTYwWCSA2uBz2D3o_9kU?e=Z0BqiL

Retired doesnโ€™t mean you canโ€™t borrow.

Many Australians reach retirement in an unusual position:

๐Ÿ  A valuable home
๐Ÿ’ฐ Significant equity
๐Ÿ“‰ But limited access to traditional credit.

You can be asset rich but cash-flow constrained.

Later Life Lending and Reverse Mortgages can provide another option โ€” allowing eligible retirees to access a portion of the wealth theyโ€™ve built in their home without necessarily selling it or making regular monthly repayments.

There are plenty of reasons retirees may need access to capital:

โ€ข Refinance an existing mortgage
โ€ข Renovate the home to age in place
โ€ข Fund medical, dental or aged-care costs
โ€ข Replace a car
โ€ข Supplement retirement income
โ€ข Create an emergency reserve
โ€ข Help children or grandchildren
โ€ข Travel and enjoy retirement

We traditionally think about retirement being funded from three places:

Superannuation + Investments + Pension/Income

But homeowners potentially have a fourth:

Home Equity.
The question shouldnโ€™t simply be โ€œWhy would I take on debt in retirement?โ€

Perhaps the better question is:

โ€œHow can I use all the wealth Iโ€™ve accumulated โ€” including my home โ€” to fund the retirement I want?โ€

Thatโ€™s where a Mortgage Broker working alongside a Financial Planner can create a very different retirement conversation.

Make sure to view and download the free PDF from the link above. If you wish to learn more or have a chat with the Lydian pride, please visit lydian.com.au.

We'd like to give a well-deserved spotlight to our very own Vaughan Clark, who has been named a finalist for VIC/SA/TAS ...
02/09/2026

We'd like to give a well-deserved spotlight to our very own Vaughan Clark, who has been named a finalist for VIC/SA/TAS Broker of the Year for the sixth year in a row! ๐Ÿฆ

Itโ€™s people like Vaughan, with their talent and expertise, who continue to set the standard for what clients can expect from Lydian.

Congratulations Vaughan, and best of luck! ๐Ÿ™Œ

Cheers to Adrian Taylor from Bank of Queensland for giving a great presso in this week's session of Broker Coffee Club! ...
02/09/2026

Cheers to Adrian Taylor from Bank of Queensland for giving a great presso in this week's session of Broker Coffee Club! โ˜•Thank you, and we'll see you around! ๐Ÿ™Œ

WE'RE FINALISTS ONCE MORE! ๐ŸฅณLydian is proud and honored to be a finalist in six categories at this year's SFG 2026 Natio...
01/09/2026

WE'RE FINALISTS ONCE MORE! ๐Ÿฅณ

Lydian is proud and honored to be a finalist in six categories at this year's SFG 2026 National Masterclass & Expo in Melbourne! ๐Ÿฆ

Congratulations to everyone who has helped Lydian earn this recognition in one way or another, and a special shoutout to our very own lead lion Chris Booth for being named a finalist in the Mentor of the Year category and to Vaughan Clark for his sixth time being a finalist in the VIC/SA/TAS Broker of the Year category! ๐Ÿป

Wrap up the end of the month with the latest episode of Boothy Bites with Chris Booth and Jackie Bowker! ๐ŸฆThings are fee...
31/08/2026

Wrap up the end of the month with the latest episode of Boothy Bites with Chris Booth and Jackie Bowker! ๐Ÿฆ

Things are feeling a little rocky across lending and property markets, with inflation, fuel prices and global uncertainty keeping everyone guessing about what could happen next with interest rates. Chris shares his take on the RBA, the latest competitive rates, and some interesting niche lending products that are creating new options for borrowers.

They also dive into the shifting property market, why it may currently favour buyers, and how changing investment rules could reshape the way Australians build wealth through property. Plus, Chris shares whatโ€™s happening around Lydian HQ, including the growth of Lydian Private Office, Practice Finance, Property Advisory, the new China Desk and more.

Learn about all these and more by tuning in to the episode right now! ๐Ÿ‘€

๐–๐š๐ญ๐œ๐ก ๐จ๐ง ๐˜๐จ๐ฎ๐“๐ฎ๐›๐ž
https://youtu.be/u4542VEJcAg

๐‹๐ข๐ฌ๐ญ๐ž๐ง ๐จ๐ง ๐’๐ฉ๐จ๐ญ๐ข๐Ÿ๐ฒ
https://open.spotify.com/show/3uybP2alWGMdacUtV0nkwS

๐…๐จ๐ฅ๐ฅ๐จ๐ฐ ๐ฎ๐ฌ
Website: https://www.lydian.com.au
Instagram: https://www.instagram.com/lydianfinancialservices/
LinkedIn: https://www.linkedin.com/company/lydian-financial-services

๐๐จ๐จ๐ค ๐€ ๐‚๐š๐ฅ๐ฅ ๐–๐ข๐ญ๐ก ๐Ž๐ฎ๐ซ ๐๐ซ๐จ๐ค๐ž๐ซ๐ฌ
https://calendly.com/lydian-1/chris-booth

Hear the lionโ€™s wisdom straight ๐…๐ซ๐จ๐ฆ ๐“๐ก๐ž ๐‹๐ข๐จ๐ง'๐ฌ ๐ƒ๐ž๐ง! ๐Ÿฆ We have a special topic this week in addition to yesterday's arti...
28/08/2026

Hear the lionโ€™s wisdom straight ๐…๐ซ๐จ๐ฆ ๐“๐ก๐ž ๐‹๐ข๐จ๐ง'๐ฌ ๐ƒ๐ž๐ง! ๐Ÿฆ We have a special topic this week in addition to yesterday's article. If you haven't read it already, be sure to check it out!

For those who have already caught up, take a look at our special topic below: ๐“๐ž๐ง ๐˜๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐ˆ๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐Ž๐ง๐ฅ๐ฒ: ๐–๐ก๐ž๐ง ๐ญ๐ก๐ž ๐‘๐ข๐ ๐ก๐ญ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐’๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ž ๐‚๐š๐ง ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ ๐š ๐๐ž๐ญ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐๐ฅ๐š๐ง

Click the link below to view the free PDF ๐Ÿ‘‡

https://lydianfinancialservices-my.sharepoint.com/:b:/g/personal/terence_laguardia_lydian_com_au/IQCE1mm49FjlTaH9X84bxtsoAR8E6d1F9ahVNIh1LEHlnPo?e=6QbLfZ

What if paying off your home loan as fast as possible isn't always the best financial strategy?

For clients in their 50s approaching retirement, cashflow can be incredibly valuable.

AMP Bank's 10-year interest-only home loan raises an interesting planning opportunity: could reducing compulsory principal repayments allow clients to redirect cashflow towards superannuation, investments, liquidity and other retirement priorities?

It highlights why mortgage brokers and financial planners should be working together before clients retire โ€” not after.

At Lydian, we believe debt shouldn't sit outside the financial plan. It should be structured to support it. We've unpacked the strategy, benefits and risks in our latest article.

Make sure to view and download the free PDF from the link above. If you wish to learn more or have a chat with the Lydian pride, please visit lydian.com.au.

Hear the lionโ€™s wisdom straight ๐…๐ซ๐จ๐ฆ ๐“๐ก๐ž ๐‹๐ข๐จ๐ง'๐ฌ ๐ƒ๐ž๐ง! ๐Ÿฆ Welcome to our weekly series, where the Lydian team shares practi...
27/08/2026

Hear the lionโ€™s wisdom straight ๐…๐ซ๐จ๐ฆ ๐“๐ก๐ž ๐‹๐ข๐จ๐ง'๐ฌ ๐ƒ๐ž๐ง! ๐Ÿฆ Welcome to our weekly series, where the Lydian team shares practical tips, guides and insights to help tackle the challenges faced by clients and financial planners alike.

This week's topic: ๐ƒ๐ž๐›๐ญ ๐‘๐ž๐œ๐ฒ๐œ๐ฅ๐ข๐ง๐ : ๐“๐ฎ๐ซ๐ง๐ข๐ง๐  ๐˜๐จ๐ฎ๐ซ ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง ๐ข๐ง๐ญ๐จ ๐š ๐‹๐จ๐ง๐ -๐“๐ž๐ซ๐ฆ ๐–๐ž๐š๐ฅ๐ญ๐ก ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ

Click the link below to view the free PDF ๐Ÿ‘‡

https://lydianfinancialservices-my.sharepoint.com/:b:/g/personal/terence_laguardia_lydian_com_au/IQDTyXRbSDMdS6UgeSg3W6hIAdPpE1CeRAkgShT4WLutjx4?e=ZOYnCC

Could your home loan actually help you build wealth?

For many Australians, the traditional approach is simple: pay off the mortgage first, then start investing. But that can mean losing valuable years of investment compounding.

In our latest Lydian Financial Planning Partners article, we explore debt recycling โ€” a strategy that can progressively convert non-deductible home debt into investment debt while building a long-term investment portfolio.

We take a look at:
-How debt recycling works
-An updated Australian case study
-The potential benefit of investing earlier
-Why getting the loan structure right matters
-The risks that need to be considered
-How financial planners, mortgage brokers and accountants can work together

For the right client, itโ€™s not necessarily about having more debt โ€” itโ€™s about making debt work more efficiently.

Make sure to view and download the free PDF from the link above. If you wish to learn more or have a chat with the Lydian pride, please visit lydian.com.au.

Welcome to this month's episode of Just Jackie with Jackie Bowker! This month, Jackie takes a look at whatโ€™s happening a...
26/08/2026

Welcome to this month's episode of Just Jackie with Jackie Bowker! This month, Jackie takes a look at whatโ€™s happening across the property and lending markets, from the latest interest rate outlook and lender updates to some of the niche lending products making waves.

With property prices softening across Sydney, Melbourne, Brisbane and Adelaide, Jackie also explores what could be ahead as we move into spring. Plus, a quick look at how Lydian can help beyond home loans, including property advisory, business and corporate finance, equipment lending, later life lending, the China Desk and life insurance.

If youโ€™re thinking about buying, refinancing, investing or simply want to understand whatโ€™s happening in the market, this monthโ€™s update is worth a watch.

Learn about all these and more by tuning in to the latest episode of Just Jackie! Make sure to click on the links below!๐Ÿ‘‡

๐–๐š๐ญ๐œ๐ก ๐จ๐ง ๐˜๐จ๐ฎ๐“๐ฎ๐›๐ž
https://youtu.be/08ivnTJ_gUk

๐๐จ๐จ๐ค ๐€ ๐‚๐š๐ฅ๐ฅ ๐–๐ข๐ญ๐ก ๐Ž๐ฎ๐ซ ๐๐ซ๐จ๐ค๐ž๐ซ๐ฌ:
https://calendly.com/lydian-1/chris-booth

๐‰๐จ๐ข๐ง ๐ญ๐ก๐ž ๐‰๐ฎ๐ฌ๐ญ ๐‰๐š๐œ๐ค๐ข๐ž ๐‚๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ฒ:
https://www.facebook.com/groups/529719491972005

Visit lydian.com.au to learn more about our financial services

Another great Broker Coffee Club in the books! โ˜• A big shoutout to Matthew Lawrence from Bluestone Home Loans for sharin...
26/08/2026

Another great Broker Coffee Club in the books! โ˜• A big shoutout to Matthew Lawrence from Bluestone Home Loans for sharing his knowledge and expertise with us this week. Thanks for the time and effort to be able to come to the session, Matt! ๐Ÿ™Œ See you again soon! ๐Ÿ˜Ž

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