Strategic finance, built around your full picture.
Considered home, refinance, and investment lending advice — from a Melbourne broker with an accounting background.
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40+Lender panel via AFG
MFAAIndustry accredited
CAAccounting background
5.0Google rated
A selection from our 40+ lender panel
CBA
ANZ
Westpac
NAB
Macquarie
ING
Suncorp
AMP
Athena
+ 30 more
Why Radius Finance
Most brokers find you a loan. We help you build a position.
Radius Finance was founded by an accountant and MFAA-accredited mortgage broker. That's a deliberately uncommon combination — and it changes the conversation.
Where most brokers focus on rate and approval, we structure your lending around your tax position, your entities, and your longer financial horizon. The right loan, structured the right way, in the right name.
i.
Strategy before product
We understand your goals, your structure, and your wider financial picture before opening a single lender policy.
ii.
Tax-aware lending
Loan structure, ownership, and offset positioning that work alongside your tax position — not against it.
iii.
Long-term partnership
Lending decisions made today should serve the property and portfolio you're building toward. We plan accordingly.
How we work together
From first call to settlement.
A clear, considered process — no surprises, no chasing, no guesswork.
i. Discover
A short conversation
A 20-minute call to understand your situation, your timing, and what you're actually trying to achieve.
ii. Structure
A considered strategy
We compare 40+ lenders, model the structure, and bring you a recommendation grounded in your full financial picture.
iii. Settle
End-to-end execution
From application through to settlement, we handle the process. You stay informed at every step through the client portal.
What we do
Specialist lending advice at every stage.
First Property
First home buyers
Navigate grants, deposit structures, and lender criteria with a broker who understands the full picture — not just the application.
Learn more →
Investment
Investment lending
Structure your borrowing around your tax position, entities, and long-term portfolio — not just the lowest available rate.
Learn more →
Next Purchase
Upgrading or moving
Moving up, sideways, or building? We model the full transaction — timing, bridging, and your next loan structure.
Learn more →
Refinance
Strategic refinancing
Refinancing is about more than rate. It's about getting your lending working harder for the position you're building.
Learn more →
In our clients' words
Trusted by Melbourne home buyers and investors.
★★★★★
"Rachel understood what we were actually trying to achieve, not just what loan we needed. The process was clear, quick, and completely stress-free."
James & Sophie T. — First home, Hawthorn
★★★★★
"As an investor I needed someone who understood tax structuring. Radius was the only broker who approached it that way. Already planning property two."
Michael L. — Investment loan, Richmond
★★★★★
"Rachel restructured our lending and it made a significant difference to our monthly cashflow. The strategy behind it was exactly what we needed."
Anna K. — Refinance, Balwyn
Frequently asked
Questions, answered.
A mortgage broker compares loans across multiple lenders on your behalf, helps you understand which structures suit your financial position, and manages the loan application process from enquiry through to settlement. At Radius Finance, we go further by considering your tax position, entity structure, and longer-term financial goals before recommending a loan.
Radius Finance is founded by an accountant who is also an MFAA-accredited mortgage broker. This dual background means lending advice is structured around your tax position, business or investment entities, and long-term wealth strategy — not just the lowest available rate. Most brokers cannot have those conversations. We can.
No. Mortgage brokers are paid by the lender once a loan settles. There is no fee charged to you for our advice or for the loan application itself. We will always disclose our commissions transparently before you commit to anything.
Borrowing capacity depends on your income, expenses, existing commitments, deposit size, and the individual lender's policy. Our online calculator gives you a quick estimate, or you can book a free consultation for a tailored assessment that accounts for your full financial position.
Radius Finance is based in Melbourne and works primarily with clients across Victoria. We can support clients elsewhere in Australia depending on circumstances — please reach out and we'll discuss whether we're the right fit.
Ready to think about your finance differently?
Book a complimentary consultation. We'll talk through your situation and map out what's possible — no pressure, no obligation.
Radius Finance | ACL [Placeholder] | Credit Representative of AFG Ltd ACL 389087 | General information only — read our Credit Guide and Privacy Policy.
Our Services
Finance for every stage of your journey
First Property
Your first home, done right.
Entering the market for the first time involves more than just finding a loan. We help you understand your borrowing position, government entitlements, and how to structure your purchase so it sets you up for the long term.
✓ FHOG & stamp duty concession eligibility ✓ Genuine savings & deposit strategy ✓ Pre-approval within 48 hours ✓ Full settlement support
Investment
Borrow smarter, not just more.
Investment lending is as much about structure as it is about approval. As a broker with an accounting background, we look at how your loan interacts with your tax position, cash flow, and portfolio goals before we pick a lender.
Buying your next home while managing an existing property is complex. We model both sides of the transaction — timing, equity access, bridging finance if needed, and how your new loan should be structured going forward.
✓ Buy vs sell timing strategy ✓ Bridging finance assessment ✓ Equity release analysis ✓ Coordinated settlement support
Refinance
Make your lending work harder.
Refinancing isn't just about switching lenders. It's an opportunity to reset your loan structure, access equity, simplify your finances, or better align your debt with your current goals. We look at the whole picture first.
✓ Full loan health review ✓ Equity & structure assessment ✓ 40+ lenders compared ✓ Smooth transition managed end-to-end
Not sure which applies to you?
Book a free 20-minute call and we'll work it out together.
Finance Tools
Know your numbers before you start
Borrowing power calculator
Works for PAYG employees and self-employed applicants. Includes liabilities and living expenses for a realistic estimate.
For self-employed applicants, most lenders use your average net profit over the last 2 years (from tax returns). Enter your figures below.
Lenders typically use the lower of your two years or a 2-year average depending on trend. This calculator uses the 2-year average plus add-backs.
0
Existing liabilities
$0
$0 / month
$0 / month
$0 / month
Living expenses
$3,000 / month
Estimated borrowing power
—
Est. monthly repayment
—
Indicative only, based on ~6.0% p.a. over 30 years. Lender criteria vary significantly. Book a call for a precise assessment.
Repayment calculator
Understand what your monthly repayments will look like.
$600,000
6.0%
30 years
Monthly repayment
$3,597
Principal & interest. Indicative only.
About Radius Finance
Finance advice from someone who understands the full picture.
Rachel · Founder, Radius Finance
The founder
Hi, I'm Rachel.
I'm an accountant and MFAA-accredited mortgage broker, based in Melbourne. I started Radius Finance because I kept seeing the same problem: clients receiving loan advice that ignored the tax consequences, or tax advice that ignored their borrowing capacity.
I bring both disciplines together. Whether you're buying your first home, building an investment portfolio, or restructuring your lending — I look at your full financial picture, not just your application.
I work with a panel of 40+ lenders through AFG (one of Australia's largest aggregators), and I'm accredited through the MFAA — Australia's leading industry body for mortgage and finance professionals. My accounting background changes the quality of advice I can give — especially for clients with business income, trusts, companies, or investment portfolios. I look at how your lending interacts with your tax position and entity setup before recommending anything. Most brokers can't have that conversation. I can.
"I don't just find you a loan. I find you the right loan, structured the right way, in the right name."
MFAA Accredited
AFG Aggregator
Accounting Background
Melbourne-based
Why Radius Finance
Three things we do differently.
Accounting + lending
Very few brokers can talk tax fluently. We can — and it fundamentally changes the quality and depth of advice you receive.
Strategy first
We understand your goals before we open a single lender policy. The right structure matters more than the lowest rate.
Clear and responsive
You'll always know where things stand. No chasing, no vague answers — just clear communication at every step.
Client Portal
Track your loan, anytime
Log in with your client number and password to view your loan status.
Radius Finance
Client Login
Incorrect client number or password.
Forgotten your details? Contact your Radius Finance broker
Need to send documents? Please send them directly to your Radius Finance contact.
Radius Finance
Welcome
Your loan status
Enquiry
Pre-approval
Assessment
Formal approval
Settlement
Current status
Assessment in progress
Your application is being assessed by the lender. Your broker will be in touch within 1–2 business days.
Loan amount
$680,000
Indicative rate
5.84% p.a.
Est. settlement
15 May 2026
Need to send documents?
Please send any documents directly to your Radius Finance contact. They'll confirm receipt promptly.
Request a Call
Let's talk — no pressure
Tell me a bit about your situation and a preferred time. I'll confirm within 24 hours and we'll take it from there.
ℹ️ I personally review every request before confirming. If you have a complex income structure, business, trust, or investment portfolio — mention it in the notes so I can come prepared. You'll hear back within one business day.
Your details
About your enquiry
Preferred call time
You'll receive an email confirmation once I've reviewed and accepted your request.
✓
Request received
I'll review your request and be in touch within one business day to confirm. If your preferred time doesn't work, I'll suggest an alternative.
What happens next
I'll review your request and send you a confirmation email. If you selected Teams, I'll include a meeting link. If phone, I'll call you at the time we agree.
Learn
Finance made clear
Practical guides and insights — written for buyers, investors, and anyone navigating the property market.
Guide
First home buyers
The complete first home buyer checklist for Melbourne 2026
Rachel Cheng · 8 min read
Market
Market update
Interest rate outlook: what Melbourne buyers should watch in 2026
Rachel Cheng · 5 min read
Strategy
Investment
Interest-only loans: when do they actually make sense?
Rachel Cheng · 6 min read
Strategy
Refinancing
5 reasons to refinance that have nothing to do with your rate
Rachel Cheng · 4 min read
Tax
Strategy
How loan structure affects your tax — what most brokers miss
Rachel Cheng · 7 min read
LMI
First home buyers
Lenders mortgage insurance explained — and how to avoid it
Rachel Cheng · 5 min read
← Back to Learn
Legal & Compliance
Transparent, licensed, accountable
Australian Credit Licence
Radius Finance operates as a Credit Representative of Australian Finance Group Ltd (AFG). ACL: [Placeholder]. All credit activities comply with the National Consumer Credit Protection Act 2009 (Cth).
Credit Guide
Our Credit Guide sets out who we are, what services we provide, how we are remunerated, and your rights as a consumer. Required by law before providing credit assistance. [Download PDF]
Privacy Policy
Radius Finance complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We collect and use your information only to assist with your credit application and to communicate with you.
Remuneration Disclosure
We receive upfront and trail commissions from lenders upon settlement — paid by the lender, not you. For certain complex or advisory engagements a service fee may apply, which will always be disclosed upfront. Full details in our Credit Guide.
General disclaimer: The information on this website is general in nature and does not constitute financial, legal, or tax advice. Radius Finance does not take into account your personal financial situation, needs or objectives. Seek independent professional advice before making any financial decision. Radius Finance Pty Ltd | ACN [Placeholder] | Credit Representative [Placeholder] of Australian Finance Group Ltd ABN 11 066 385 822 | ACL 389087 | Melbourne, Victoria, Australia.
