Property = Prosperity
reliable, and dedicated mortgage brokers.
Here’s how we can help.
Build your property portfolio
Build your property portfolio. We help you plan and grow a portfolio that is uniquely yours. From developing an intelligent finance strategy to carefully selecting the right properties, we’ll be your partners on a journey to build your wealth sustainably and consistently.
Buy your first home
Buying your first home isn’t just a goal – it’s a life milestone. We’ll help you cut through the noise, navigate all the complexities, take all the weight off your shoulders, and find your dream first home.
Save money by refinancing
Interest rates are through the roof right now, but better deals are out there – you just have to know where to look. We’ll help you consolidate your debt, find you a better service, and help you invest in your future with confidence.
Upgrade your property
Your living needs are changing. Whether you’re growing your family, seeking a more relaxing environment, or just ready for a change, we can help you upgrade your home to suit your life perfectly (and affordably).
About Tri-State
Tim’s story
Tim began his career as a Chartered Accountant (NZ), working in corporate and strategy consulting life and in a wide range of industries in several countries around the world.
In 2003, Tim’s life changed forever when he suffered from intestinal volvulus (when the intestines twist around themselves). He was rushed to the hospital in critical condition and required 90% of his intestines to be removed.
Tim remained in and out of hospital for 12 years, as he also then suffered kidney failure, living a life on intravenous nutrition and kidney dialysis. As he continued to lose condition and feeding line access was running out, he was put on a transplant recipient list.
It wasn’t until 2015 when Tim’s luck changed. He became the first ever Australian to receive a small intestine and kidney transplant, which ultimately saved his life.
After recovering he saw establishing a mortgage broking business as a great way to build on his skills of finance, investments, property, and what he enjoyed most: Helping people.
Tri-State’s mission
Tim saw his miraculous recovery as a sign to give back.
In 2016, Tim set up two mortgage broking businesses, Tri-State Finance (formerly Finalytics Financial), and Finance4Nurses.
During this time in hospital, he was deeply moved by all the work and life saving work of nurses in Australia. He also developed expertise in getting great finance outcomes for Nurses all across the country.
Tri-State reflects his and the team’s financial knowledge of a wide range of client industries and their ability to handle complex client situations.
Why choose Tri-State?
We think strategically
We understand that clients just “do not want a loan”. Property is such an important asset, it is a long term investment for you and we work with you to think long-term, rather than just going for the “cheapest mortgage”.
We think outside the box
We take a diversified approach to obtaining finance and have developed a 3-step system (explained below) to help you get what you need.
We just ‘get’ it
We understand how difficult and complex property investing is and know exactly what’s required to help you.
Our Focus
Tim and his team have nearly four decades of combined experience in finance and property and apply that knowledge to mortgage broking.
01
First home buyers
We help people become homeowners for the first time in their lives. Buying a home isn’t just about buying your first property – it’s about opening a new chapter in your life and allowing yourself to discover a tremendous amount of opportunities.
02
Complex cases
We love helping professionals and investors navigate complex borrowing cases.
We discover, we apply, we execute.
Tri-State uses a tailored 3-step system of finance broking to help you buy the right property.
Step 1
We understand your situation
The Tri-State team will understand your current position and objectives and develop a plan for you to obtain the finance you’re looking for.
Step 2
We lodge applications on your behalf
We’ll find the right loan and products available to you on our panel of dozens of lenders and apply for pre-approval on your behalf.
Step 3
We implement your solution
We help you all the way through to the settlement of your loan. After that, we’ll be your long-term property partner by conducting reviews of your portfolio every 90 days.
Case studies
Sydney law firm partner
Situation: Sydney-based law firm partner with a law firm in the UK. He needed finance to buy Australian property using British pounds, but needed a preapproval of $2.5 million with a small deposit.
Solution: We negotiated a competitive interest rate with a “Big 4” lender, 0.32% less than originally quoted. LMI was waived up to 90% LVR, with only a 10% deposit. Loan was approved in two business days, and no overseas employment verification was required.
This is a great financing result, thanks a lot guys, don’t know how you did it.
I never thought we could make such a strong offer and so quickly. We blew the other offers away as the vendor needed a quick, simple sale.
Vice President, Private Equity Co, Sydney
Situation: Vice President of a US-based private equity firm. Bonuses made up over 50% of the firm’s earnings, and the firm needed to service a loan with a complex structure.
Solution: We helped our client use their entire bonus income for servicing for the recent year, and waived the requirement to show savings in Australian accounts for loan approval. The client was able to put in a successful unconditional loan on a home within three business days.
Doctor, Regional NSW
Situation: A doctor with complex multiple family/property trusts and company structures required refinancing and tidying up his real estate property assets, which he accumulated over 20 years.
Solution: We helped our client boost his liquidity with the help of $350,000 in cash out. We also helped him negatively gear his trust debt by restructuring his mortgages. We also obtained competitive rates for trust lending, and set up one single institution for all his financial affairs.
Great result guys. It has saved my thousands and at last I understand my structure, despite my accountant trying to explain it for years.
We didn’t think we could achieve this and were preparing to sell at least one of our existing properties.
Medical Professionals, Melbourne
Situation: Our clients had a $6 million property portfolio accumulated at low interest rates and had maxed out their borrowing capacity. They wanted to purchase their “dream investment property” for a long-term lifestyle in Coastal Victoria. Their key problem was that they had to downsize some of their existing portfolio due to liquidity and borrowing capacity issues.
Solution: We helped these clients buy their long-term dream home while preserving their existing portfolio. We extracted equity from their existing properties to benefit from negative gearing and kept all their savings intact to tolerate and stress-test higher interest rates.
Get in touch with us if you need the help of a property expert.
We’ll be in touch in under 24 hours.
