George Tofa - Liberty

George Tofa - Liberty Bridging the gap to home ownership
[email protected]
0432 725 244 I am a member of the FBAA as well as the CIO (Credit and Investments Ombudsman).

I have lived in Melbourne's west for over 20 years’ and i'm an active member of the local community. I love the diversity of the area, and I support the local Church and Polynesian businesses and groups. I have a passion for providing my customers with the personalized assistance they need to reach their financial goals. I offer home loans including investors, refinance and first home buyers as we

ll as car Loans and SMSF loans. I'm committed to excellent customer service and achieving the best results for my customers. I pride myself on building long term relationships and ensuring a smooth and seamless loan process. I also hold a Certificate IV in Finance and Mortgage Broking. In my spare time I enjoy getting outdoors with my wife and spending time with family and friends. God Bless

"Doubt is not a pleasant condition, but certainty is absurd." – VoltaireThis is exactly how most people feel when buying...
03/06/2026

"Doubt is not a pleasant condition, but certainty is absurd." – Voltaire

This is exactly how most people feel when buying an investment property.

One minute you're thinking, "This could be a great investment!"

Five minutes later you're on Google searching, "Will property prices crash?" 🤣

The truth is, if you're waiting for a giant flashing sign that says, "BUY THIS PROPERTY, NOTHING CAN GO WRONG," you're going to be waiting a very long time.

No investor has a crystal ball. If they did, they'd probably be living on a private island instead of scrolling social media.

The goal isn't to be 100% certain. The goal is to have a solid plan, good advice, and enough confidence to take the next step.

Because sometimes the biggest risk isn't buying an investment property...

It's spending the next 10 years saying, "I almost bought that place."

Thinking about investing? Let's chat before your cousin's friend's neighbour becomes your financial adviser. 😆

02/06/2026

Reposted Saving for your children’s future is more important than ever, but new research has revealed a huge number of parents aren’t setting money aside for their kids.

So where should you start and how does the federal budget impact your kids’ investments?

Nobody sees my 5am workouts.Nobody sees my meal prep for the week.Nobody sees any of this.Because I don’t do those thing...
02/06/2026

Nobody sees my 5am workouts.
Nobody sees my meal prep for the week.
Nobody sees any of this.
Because I don’t do those things.

Ever heard of rentvesting? 🏡It’s a strategy that’s becoming more popular with Australians who want to get into the prope...
02/06/2026

Ever heard of rentvesting? 🏡

It’s a strategy that’s becoming more popular with Australians who want to get into the property market without giving up the lifestyle they love.

Instead of buying where you want to live, you rent in your preferred area and buy an investment property in a location that fits your budget and goals.

Some of the potential benefits include:
✔️ More flexibility to live where you want
✔️ The chance to enter the property market sooner
✔️ Focusing on a property purchase based on investment potential, not emotion
✔️ Possible tax benefits depending on your situation

Of course, every property journey is different, and what works for one person may not work for another. The key is finding a strategy that suits your goals and lifestyle.

Have you considered rentvesting, or are you set on buying your own home first? Let me know below 👇

01/06/2026

Reposted Investment in Melbourne’s property market is threatening to turn into a house of cards after controversial changes to negative gearing. According to economists, one area is clearly bucking the trend.

Let's talk about Capital Gains Tax (CGT) — one of those property terms that sounds scary but is actually pretty simple. ...
01/06/2026

Let's talk about Capital Gains Tax (CGT) — one of those property terms that sounds scary but is actually pretty simple. 🏡

Imagine you buy an investment property for $500,000.

A few years later, you sell it for $700,000.

That extra money you made? That's called a capital gain.

The Australian Taxation Office (ATO) may tax part of that profit, which is known as Capital Gains Tax.

The important thing to know is that CGT isn't a separate tax bill that arrives with dramatic music playing in the background. 😄

Instead, the capital gain is added to your taxable income and forms part of your normal income tax calculation.

Every property journey is different, so understanding the tax side of investing can help you make smarter decisions along the way.

Got questions about property investing? Feel free to reach out. I'm always happy to help make the complicated stuff a little easier to understand.

When it comes to buying your first home, everyone seems to have an opinion."Wait for prices to drop.""You need a 20% dep...
31/05/2026

When it comes to buying your first home, everyone seems to have an opinion.

"Wait for prices to drop."

"You need a 20% deposit."

"Now is a bad time to buy."

But opinions don't help you buy a home. Facts do.

Before making one of the biggest financial decisions of your life, take the time to understand your options, your borrowing power, and what is actually possible for you.

You might be surprised to learn you're closer to owning a home than you think.

Don't let other people's opinions decide your future. Get the information, do the thinking, and make the choice that's right for you. 🏡

Ready to explore your home ownership options? Send me a message today.

31/05/2026

Reposted Where stone meets softness ✨
Warm textures, sculpted curves, and a little glow to elevate the everyday ritual

Thinking about buying a home? 🏡Most people save for a deposit, but many forget about one of the biggest upfront costs......
30/05/2026

Thinking about buying a home? 🏡

Most people save for a deposit, but many forget about one of the biggest upfront costs... stamp duty!

Depending on where you buy and the type of property, stamp duty could cost you a few thousand dollars or even tens of thousands. In some cases, a $750,000 home could come with a stamp duty bill of more than $28,000.

The good news? First home buyers may be eligible for concessions or exemptions depending on their state or territory.

Before you start house hunting, make sure you know ALL the costs involved. A little planning now can save you from a big surprise later.

Want to know how much stamp duty you could pay and what grants you may qualify for? 📨DM me
📞0432 725 244
📩[email protected] ⠀
💻https://linktr.ee/georgethebroker

Reposted Everyone wants more homes built. But what’s actually stopping it? 🏗️From key supply barriers to a new $40 mill...
30/05/2026

Reposted Everyone wants more homes built. But what’s actually stopping it? 🏗️

From key supply barriers to a new $40 million investment in modern methods of construction, we break down what’s needed to actually get homes built faster.

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