Strategic Property Finance That Works for You
How we can help.
Buy your first home with confidence
Grow and manage your property portfolio
Refinance to save money and boost returns
Upgrade your lifestyle with a new home
Navigate complex borrowing scenarios with expert support
Tim’s story
Tim began his career as a Chartered Accountant in New Zealand, providing corporate and strategic consulting services across diverse industries in multiple countries.
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.
We discover, we apply, we execute.
Step 1
We understand your situation
The Tri-State team understands your current situation and goals, and will develop a tailored plan to help you secure the financing you need.
Step 2
We lodge your applications
We’ll identify the most suitable loan and products from our panel of dozens of lenders and handle the pre-approval application on your behalf.
Step 3
We implement your solution
We support you all the way through to your loan settlement—and beyond. As your long-term property partner, we’ll review your portfolio every 90 days to keep you on track.
Our Focus
01
First home buyers
02
Property Portfolio Growth
03
Refinancing
04
Home Upgrades
05
Complex Financial Cases
06
Our 3-Step Process
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.
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.
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.
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.
Get in touch with us if you need the help of a property expert.
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