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Our Top 10 Tips for buying an Investment Property

Buying an investment property continues to be one of Australia’s favourite ways to invest. An investment property should be about increasing your wealth and securing your financial future. There is however, a common misconception that property investing always delivers positive returns, while this is true most of the time it certainly isn’t an instant road to riches. You need to kee...


Credit Score - a change for the better

Comprehensive Credit Reporting, or 'Positive Reporting' is here. And while the banks may not be happy about sharing their customers' information with other banks, borrowers like you stand to benefit a lot more.



Helpful hints to paying your home loan off sooner

Most mortgages are spread out over 25 to 30 years, but it doesn't have to be that way. With a few simple strategies you can take years and thousands...


Introducing Jude Miranda Senior Finance Broker Eastern Suburbs

It gives me great pleasure to welcome our newest member to our team Jude Miranda With over 30 years of experience working in corporate business finance and being in the mortgage broking for the past 11 years, Jude Is senior finance broker. Earning his qualifications as a chartered accountant. as well as receiving a Diploma in Financial Services, Jude's years of experience is unparalleled. H...


Seasons Greetings

The team at Chapter Financial Group, wish you, your friends and family, a healthy, happy and prosperous New Year! au

P:1800 800 600


RBA - Interest rates still on hold at record low of 1.5pc as economy looks set to slow -

Key points:

  • RBA keeps interest rates at record low for 25th consecutive month
  • Not concerned by rising home loan rates as they are "lower than a year ago"
  • Despite GDP likely to slow, RBA says growth has been "above trend"


Business Finance Loans Business loans are commonly used to buy commercial real estate, or to buy an existing business or franchise.

If you’re familiar with home loans, you’ll understand the principles of how a business loan works. Generally speaking, this type of loan can be used for two purposes – business or property.

Business purposes includes buying a trading business or franchise, a new business start-up or the expansion of an existing business.

The types of commercial real es...


Interest only loans…. are you prepared? Act now! Mortgage Broker Mornington Penisula -Tom Tangas

Many property investors take advantage of interest only loans to maximise potential tax benefits and, over recent times, interest only loans have also grown popular with owner occupiers. As such, interest only borrowers most likely have smaller monthly repayments but usually pay a higher interest rate. In recent months, much has been reported in regard to the challenges some investors may be fa...


Chapter Financial Group North Eastern Suburbs welcomes new Senior Finance Broker Susie Lightfoot to the team.

Chapter Financial Group welcomes new Senior Finance Broker Susie Lightfoot to our team.  Susie has 10 years’ experience working within the finance industry, assisting many client refinance to a better home loan deal as well as guiding many clients through the Investment Loan maze.

Customer service is at the forefront of Susie’s work...


David R. From Geelong Vic 3220

Wayne is an expert in his field who is clearly driven to provide the best possible level of customer service and satisfaction to his clients. He made the experience of financing our home totally stress-free with exceptional communication and product knowledge. I would recommend Wayne without hesitation to anyone looking to finance or refinance their loan.



Is now the time to switch your home loan?

One of the easiest ways to improve your monthly budget is to reduce your home loan interest rate by refinancing, and moving your loan to another lender. Now more than ever it’s important to ensure you are getting the best possible deal available to you, ensuring you’ve got the right loan at the right interest rate tailored to you. Refinancing your current loan can be quite complex i...


Tom Tangas - 0417 588 115

Tom has a Diploma of Mortgage Broking Management and Certificate IV in Financial Planning, with over 25 years of mortgage finance and property expertise, he has built a renowned reputation in the industry.

Tom enjoys living and working in Melbourne’s prestigious seaside playground on the Mornington Peninsula.

Tom specialises in assisting clients matching the right loan...


First home buyer

First home-buyer

Amanda G. from Mitcham 3132
I had been planning to buy my first home for a while but wasn’t sure on who or how to go about it. Fortunately, I came across Chapter Financial Group. Chapter Financial Group made buying my first home stress-free, they took the lead and walked me through the entire process. The broker was up to date with all of the requirements...


Russell Johnson - Car Finance - 0438 899 951

Are you looking to change your Motor vehicle soon?

 Why not give our Car finance Specialist Russell Johnson a call on M: 0438 899 951


¨ Russell has over 25 years      experience in car finance

¨ Access to multiple lenders

¨ Fast and Friendly service

 Russell’s s...


Wayne Stiles - 0417 571 715

Brett H. From Geelong Vic. 3220

Wayne Stiles was excellent in his knowledge and service when we decided to switch banks and refinance our home loan. He offered prompt service as he came to our house out of hours within a day. He was always updating us on the progress of our loan when there was a problem with what the previous bank did for us in the past he quickly solved it. I would...


April RBA decision: Cash rate held for record 18th consecutive meeting

April RBA decision: Cash rate held for record 18th consecutive meeting

By Dominic Beattie April 3, 2018

The Reserve Bank of Australia (RBA) has left the cash rate on hold again at 1.50% amid strong employment growth and slowing housing markets in Sydney and Melbourne.



Milinda Kankanange - 0405 608 305

Milinda Kankanange has over 6 years of experience in the Finance industry.

He is committed to helping his clients find the best deal in the market to suit their needs.

If you’re looking for the most appropriate finance solution and need to chat with a friendly industry expert call Milinda on 0405608305


Expensive money: Why the RBA may not raise rates any time soon

There's fresh reason to think that the Reserve Bank of Australia, as Treasurer Scott Morrison anticipates, may not be raising interest rates anytime soon.
Short-term borrowing costs in Australia's financial system have been surging, and will tighten financial conditions if it lasts, even without action by the central bank's policy makers.

The jump in a key benchmark...


Investor loan rate rises linked to APRA benchmarks: ACCC

  • Investor loan rate rises linked to APRA benchmarks: ACCC

By Sasha Karen

Posted on Thursday, 15 March 2018

The Australian Competition & Consumer Commission has released an interim report into the “opaque pricing” of Australia’s five...


Haven - money+lifestyle+home


Welcome to our first edition of Haven for 2018.

While Christmas may be behind us for another year, for many the credit card debt that the silly season creates will be starting to hit home. We give you some practical tips on how to get your credit card debt under control.

Two million Australians run their own small business. And while it's the dream for m...


Tom Tangas - 0417 588 115

Sam Crowder

Tom was fantastic in dealing with our loan. Always available. Onto all the paperwork and knew ahead of time what would be required. So much so, that when the paperwork was submitted it was just a formality. He got us the best deal possible for our requirements. Will definitely recommend Tom to all our friends and family


Construction loans….. Handy Hints and Tips

You're about to start a very exciting Chapter in your lives…… building your own dream home.   Building your own house can be a wonderful and fun experience – but it can also be a long and expensive process. However, most people cannot afford to pay for the cost of home construction up front, and getting a mortgage can be tricky.

Here are some handy tips to...


Russell Johnson - 0438 899 951

Nick H. from Newington, NSW

Russell Johnson Senior Finance Broker for Chapter Financial Group, who services the North/Western suburbs of Melbourne has helped me over the last 15 years, Russell has set me up with three home loans and one car loan. He is extremely knowledgeable, efficient and trustworthy which is why I have continued to use his services over the years.




Whilst none of us has a crystal ball that can accurately forecast the future, (well, none that we’ve come across anyway!), We have noticed that there are occasional surveys that provide some insights into the future through identifying what people PLAN to do. So, it was interesting to see some of the results of a new survey by ME Bank which looked at the intentions of Australian home owne...


Now Hiring

Chapter Financial Group are looking for fresh new talent. We are currently looking for energetic self-motivated experienced Finance Brokers, if you are looking for a new chapter in your career please email your CV to


Chapter Financial Group Geelong welcomes new Senior Finance Broker Wayne Stiles to the team.

Chapter Financial Group Geelong welcomes new Senior Finance Broker Wayne Stiles to our team. Wayne Stiles has enjoyed over 20 years experience working within the finance industry and has a strong reputation for customer service. Living locally in Geelong he is well versed in the local property market and has supported many clients source a great home loan deal. Whether you're a first h...