TM Finance Group

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Australia
Traralgon, VIC
TM Finance Group

3 Locations. Melbourne, Trafalgar & Traralgon. Specialising in Commercial and Business Lending, the Business also offers a a full suite of finance needs.

HQ Gippsland:
30 Church Street, Traralgon 3844

Trafalgar:
67 Princes Highway, Trafalgar 3827

Melbourne: Carnegie, Murummbeena, Bentleigh East & Huntingdale

At TM Finance Group, we are serious about finance, and just as serious about people. TMFG is an award winning, boutique firm of specialist credit representatives delivering a full suite of finance needs – from advice, through to lending a

nd debt structuring. Our expert brokers begin with personalised lending advice, and will see you right through to settlement, in your corner at every turn, supporting and driving your venture – whatever it may be. Knowledge across multiple finance options and established, long-term relationships with industry's most competitive lenders make TMFG your obvious choice. But, it is our contemporary outlook on financial service, our hands on approach and keen interest in your future, that will ensure you feel confident in that choice, everyday. At TMFG, we provide more than just business solutions, taking pride in our multi-platform, community-focused financial solutions. Embracing both our online and natural environments, we invest time and funds into both the contemporary (Social Media) and the old school (you and your community) societies equally.

25/06/2026

Building a home is an exciting milestone—but navigating construction finance? That can feel like a massive project of its own! 🏗️💬

Construction finance works quite differently than a standard home loan. Knowing the ropes before you sign with a builder can save you serious time, money, and stress. 📑✨

Here is what you need to know before you lock in your plans:

🔹 1. Progressive Drawdowns: You don’t get the loan amount all at once. Lenders release funds in stages (like slab, frame, and lock-up) so you only pay interest on what’s actually been built so far. 🛠️

🔹 2. Fixed-Price Contracts: Lenders generally require an industry-standard, fixed-price contract from a registered builder. This protects your budget from unexpected material and cost spikes. 📝

🔹 3. Interest-Only Repayments: During construction, you usually only pay the interest on the money drawn down. This keeps your monthly expenses lower and your cash flow manageable—especially if you're renting while building! 💰📉

Before you start digging, make sure you know exactly what lenders look for, from council approvals to contract terms.

We’ve simplified the entire process in our latest blog! 💻 Navigate to the link on our website to read the full guide, or slide into our DMs to chat about your upcoming build. 📲👇

23/06/2026

Think you’re locked out of the property market?

Think again! 🏡✨

Meet Sharon. After 19 years of renting and facing countless setbacks, she officially proved that the dream of homeownership is still alive and well.

Take a look at that brand-new house slab! Framing has officially commenced, and Sharon is officially on her way to moving into her very first home. 🔨🏗️

They say it takes a village, and Sharon's journey is proof that when you want something bad enough—and you have the right team backing you up—you will find a way.

Here is what Sharon had to say about her rockstar broker, Belinda:

"What a journey I've had getting here, so many setbacks on my end. But Belinda... holy crap, that lady is a legend! Belinda has gone above and beyond helping me. So many after-hours phone calls and emails, I cannot recommend her enough. If you need a broker, call Belinda. OMG, I’m building a house!" 🙌😭

A massive congratulations to Sharon on this incredible milestone! We are so proud to be part of your journey.

👉 Ready to stop renting and start building? Don't let the setbacks stop you. Let's find your way forward. Message us today to connect with a broker who will go above and beyond for you!

21/06/2026

We were thrilled to help Marcie & Warren and Jeremy embark on their investment property journey!

Referred by Macie’s sister, we’re honoured to be a part of their special experience. 💕

It’s what we love most about our roles! 🏡✨

Thank you Macie, for the wonderful testimonial!

propertysettlement

18/06/2026

🏡 Upgrading your home without the stress? It’s possible!

Is your dream home hitting the market, but you haven’t sold your current one yet? It’s a common dilemma that often feels like a hurdle too high to jump.

We recently helped a family navigate this exact situation. Their goal: Purchase their new family home before selling their existing property.

While the concept of bridging finance can sound complex and intimidating, the truth is that with the right strategy and guidance, it can be a seamless bridge between your old chapter and your new one.

Why bridging finance is a game-changer:

👩‍💼No pressure selling: You don’t have to rush to accept a low offer on your current home just to meet a settlement deadline.

🏡 Secure your dream: You can move into your new home on your timeline while your existing property is prepped and sold for its true value.

🔢 Clear structure: We break down the numbers so you know exactly how the process works from start to finish.

Don't let timing dictate your next move. If you’ve found the "one" but are worried about the logistics, let’s chat.

We’re here to turn "complex" into "conquered." 😍

📩 Send us a DM or comment below if you’d like to learn more about how bridging finance could work for your next upgrade.

16/06/2026

81.0% OF AUSTRALIANS CHOOSE BROKERS! 🤯🇦🇺

The numbers are officially in, and the message from Aussie homebuyers is crystal clear: mortgage brokers are the go-to choice for property finance.👏🏼👏🏼

According to the latest MFAA Quarterly Market Share Report, mortgage brokers have achieved a record-breaking 81.0% share of Australia’s residential home lending market.

This is the highest market share ever recorded in history! 📊✨

Why is everyone making the switch?
In an increasingly complex lending environment, Australians are looking for choice, guidance, and someone to do the heavy lifting.

Over the past 8 years, broker market share has surged from 55.3% in 2018 to a staggering 81.0% today.

Here is a quick look at the record-shattering March 2026 quarter:
💰 $124.88 Billion in new home loans settled by leading aggregators.
📈 An increase of $25.51 Billion compared to the same period last year.
🚀 A 4.2 percentage point jump from March 2025.

Whether you're buying your first home, upgrading, or refinancing, you don't have to navigate the banks alone. ……..

Join the 81% of Australians trusting a broker to find the right loan for their future. 🏡💼

👉 Ready to see what a broker can do for you? Let’s chat today! Link in bio.

14/06/2026

Who says academies are just for newbies? 😉✨

Jodie and Emily just wrapped up at the Annual New Broker Academy! Spoiler alert: They aren’t new to the game, they just love to level up (and have a good time while doing it)! 🚀

They walked away with a massive notebook full of fresh tips and tricks, including:
🔹 The Broker Blueprint with Nick Reilly from Inovayt
🔹 Relationship building gold from Bernard Desmond’s session on turning partners & REAs into total champions 🏆
🔹 Next-level marketing inspo from the brilliant Deena Shoobridge 📣
..And of course, the perfect way to cap off a day of learning? The after-party! 🍸 The spicy margaritas and espresso martinis definitely got a 10/10 from us. 🌶️☕️

Always learning, always growing, and always down for a cocktail. Cheers to fine-tuning the business to serve you guys even better! 🥂

11/06/2026

⏰ Tick-tock… the End of Financial Year (EOFY) is fast approaching!

If you want to maximise your tax position, the time to act is before June 30.

We asked our resident expert, Accountant Trent Hourigan from McMillan Partners, for his top 5 EOFY focus areas for both businesses and individuals.

Read his ultimate checklist! ⬇️

💼 FOR BUSINESS OWNERS:

1️⃣ Book a Check-In: Lock in a tax planning, forecasting, and budgeting session with your accountant ASAP.
2️⃣ Clean Your Books: Review your receivables, liabilities, and write off any genuine bad debts.
3️⃣ Equipment Paperwork: Gather tax invoices, finance contracts, and amortization schedules for any new equipment bought this year.
4️⃣ Asset Log: Compile a clear list of assets purchased and sold (including exact dates and prices).
5️⃣ Super Strategy: Consider personal super contributions.

⭐️Pro tip: Make sure your 'Notice of Intent to Claim' is lodged with your fund (this can be done before you lodge your return, not necessarily before June 30!).

👤 FOR INDIVIDUALS:

1️⃣ Gather Extra Income Info: Prep details for dividends, sole trader income, or investment sales.
2️⃣ Rental Property Prep: Collect EOFY statements, bank interest, land tax, rates, repairs, and depreciation schedules.
3️⃣ Hunt Down Receipts: Put together all your work-related deductions now so you don't forget them.
4️⃣ Boost Your Super: Look into making personal super contributions before June 30 to lower your taxable income.
5️⃣ Check Offsets: Ask your accountant if you qualify for any specific tax offsets this year.

Don’t leave money on the table by waiting until July.

Reach out to Trent and the team today to get your strategy sorted! 📊✨

09/06/2026

In the Hot Seat 18

Case Study: Stacey and Darren
Broker: Jodie

At just 22 years old, these clients are already building serious wealth through property.

When they first met with Jodie, Stacey and Darren were in the process of subdividing a large block with small existing home they were receiving rental income from.

They already had a smart strategy, rather than chasing their dream home, they purchased a modest house on a large block with strong development potential.

Their goal was to build a second a second investment property on the block & they wanted to know their borrowing capacity!

The plan? Buy strategically, unlock value, and create additional income streams;

✅ Purchased a house on a large block
✅ Successfully subdivided the land
✅ Build an additional dwelling
✅ Create multiple income-producing assets
✅ Grow their portfolio to 2 investment properties by age 22!

BLOODY AMAZING RIGHT!!

Jodie assisted in finding a finance solution to meet their needs whilst allowing for contingencies and getting the build completed to finalise the subdivision.

This is a great example of how thinking beyond a standard buy-and-hold approach can accelerate your property journey.

By focusing on value-add opportunities and making informed decisions, they have positioned themselves for long-term growth much earlier than most.

Age isn't the advantage—having a strategy is.

Congratulations to these young investors on taking action and building a strong foundation for their future. 🚀

⭐️🏡💙💪🏻

07/06/2026

Our goal at TM Finance Group is always to take the weight off our clients' shoulders.

We just love that Ryan is kicking goals, building wealth and paving his way in Real Estate!🏡

And we know he will be back - he’s already talking about the next property!!

Are you thinking 🤔 about buying your first investment property?

⬇️ let us know below or send us a DM ⬆️

04/06/2026

🕵️‍♀️ TOP SECRET MISSION 🕵️‍♀️

We can’t tell you who she is or where she is, but one of our leaders is currently overseas representing TMFG at a Commercial Conference! ✈️🏢

(Check the background for clues!)

All we know is:
* she’s not missing us 😔
* we completely wish we were there,
* we hope she has the absolute best time! ❤️✨

Address

30 Church Street
Traralgon, VIC
3844

Telephone

+61448275630

Website

http://www.tmfinancegroup.com.au/, https://calendly.com/bgibson-tmfg

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