About Us
Breakfree can assist you with all of your financial needs.
About Us
Breakfree Financial Solutions provide personal service to deliver a finance solution tailored to your needs.
Through partnership with Australia Finance Group (AFG), we have a panel of over 30 financial product providers to ensure you get the ‘best’ solution and competitive pricing.
Our collective decades of experience in the finance industry means that we can navigate jargon and complex fee structures. We also have exclusive broker access to credit assessors, providing rapid turnaround and consideration of each client’s unique needs.
Client needs are our passion. We hold to the highest professional standards, and all our staff are members of Finance Brokers Association of Australia (FBAA) – the peak body within the financial sector.
How We Work
Our key focus is to assess the right product and funding provider, tailored to your unique needs and objectives. Typically, this involves:
- An initial meeting to gain a clear picture of your needs and objectives
- We then find the right lending solution amongst the hundreds available
We can assemble a team of qualified experts for clients with complex needs, which may include:
- Expatriate tax structures,
- Superannuation and wealth advice,
- Insurance needs,
- Investment advice; and
- Estate planning
To assist with this aspect, a preliminary assessment which includes an initial workshop, research and a recommendation report, attracts a fixed-rate fee of $250 (ex-GST). This provides a rapid, low cost and initial access to tax, financial planning and investment specialists and loan options.
How Will You Benefit
Banks offer loan products which can be challenging, with financial jargon and tough credit policies that can penalise applicants with ‘non-standard’ situations and needs.
We know that most people don’t have the knowledge, desire or time to pick through complex financial options to find the ideal solutions among the hundreds available. That’s what we do best.
We keep close partnerships with specialist legal, financial and accounting experts to assist your lending, investment and wealth needs.
Services Overview
In an ever-changing financial and commercial landscape, and with a myriad of loan options available, our deep understanding of the industry means we can manage your needs in a proactive and strategic manner.
Read more about our individual services:
Resources
Helpful articles and links to assist you in navigating the finance industry.
Mortgage Lending
Buying a family home or a property to add to your investment portfolio takes a great deal of planning. By investing some time upfront with us, we can ensure you will enter the property market with confidence and certainty.
There are number of different mortgage loans in Australia, the four most common are:
- Owner Occupied Principal & Interest Loan
- Owner Occupied Interest Only Loan
- Investment Interest Only Loan
- Line of Credit Facility
The base interest rates for each of these loans can vary from lender to lender, be variable or fixed, and you can use a combination of the two loan types. Not sure where to start? There are many other features to consider, so contact us to discuss your needs.
Investment Loans
Property has been an enduringly popular investment in Australia. This isn’t surprising when considering:
- financial deregulation
- the increasing norm of double-income families
- generous tax advantages.
These factors and the willingness of households to shoulder significantly more debt over the past two decades have all combined to significantly increase house property prices.
Investors need to consider different issues to those of home buyers, including how they structure their property loan.
When you borrow money to invest, that investment can either be:
- Positively geared – where the cost of holding the investment (interest on the loan and other expenses) is less than the income you receive from it, or
- Negatively geared – where the cost of holding the investment is greater than the income you receive.
Importantly, the rule of borrowing for investment: always ignore the tax deduction promises and look carefully at the quality of the underlying investment when deciding whether it’s worthwhile.
Commercial Loans and Asset Finance Loans
For business owners, you may be looking for a loan to acquire or construct your office or factory, to access funds to further grow your business or to upgrade vehicles and equipment.
We can help you understand your options and work to secure the right loan for your business.
SMSF Loans
Using your super to buy property gives you access to some of the best tax incentives for investing in property. But it’s essential to get the right structure to meet the ATO’s strict borrowing rules and to allow your investment the scope to flourish.
We have access to over 12 SMSF lending providers. We evaluate your current and potential lending structure to provide you with options and recommendations.
We have close partnerships with specialist legal, financial, investment and accounting experts that we work with and can refer you to. It is paramount that we work together to ensure your SMSF, is set up correctly so this it is eligible for tax concessions, can receive contributions and is easy as possible to administer.
Articles
ASIC Money Smart credit-loans-and-debt
Healthcare Professional Package
The information in this website and the links provided are for general information only and should not be taken as constituting professional advice from the website owner –Breakfree Financial Solutions Pty Ltd. Breakfree Financial Solutions is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. Breakfree Financial Solutions is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.
Calculators
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