23
October
New Temporary Stamp Duty Concession for Off-the-Plan Properties
The Victorian Government has introduced a significant opportunity for property buyers with its new...
ABOUT US
CREATING TOMORROW
At Tomorrow Financial Solutions, we redefine financial consultancy. With a team of industry experts, we merge innovative strategies with personalised guidance and cater to both individual and business clients, ensuring that their financial dreams aren't just visions but achievable realities
Our services
Mortgages
We specialize in providing tailored mortgage services designed to help you secure the best loan options for your unique financial needs. Whether you’re purchasing your first home, investing in property, or refinancing, our expert team is here to guide you through every step of the mortgage process.
Personal Loans
Secure the funds you need for personal expenses with our competitive personal loan options. We offer flexible terms and competitive interest rates to help you achieve your financial goals.
Vehicle Loans
Whether you're in the market for a new car or recreational vehicle, our vehicle loan options can help you finance your purchase with ease. With quick approval and competitive rates, we make it simple to get behind the wheel of your dream vehicle.
First Home Buyer Services
Buying your first home is an exciting milestone, and we're here to support you every step of the way. Our first home buyer services include personalized guidance on mortgage options, government incentives, and the home buying process to help you achieve your dream of homeownership.
Investment Property Services
Unlock the potential of property investment with our investment property services. Whether you're a seasoned investor or new to the property market, our expert advisors can help you navigate property investment strategies, financing options, and property management to maximize your returns
Commercial Loans
Grow your business with our tailored commercial loan solutions. Whether you're looking to expand your operations, purchase commercial real estate, or fund new equipment, our commercial loan experts can help you secure the financing you need to achieve your business goals.
Money Management
Take control of your finances with our money management services. Our advisors can help you develop a budget, track your expenses, and optimize your cash flow to achieve your financial objectives.
Investments
Grow your wealth with our expert investment advice. Whether you're interested in stocks, bonds, real estate, or alternative investments, our advisors can help you build a diversified investment portfolio aligned with your risk tolerance and financial goals.
Wealth Management
Preserve and grow your wealth with our comprehensive wealth management services. From investment management and estate planning to tax optimization and retirement income strategies, our advisors provide holistic wealth management solutions to help you achieve financial success.
Life & Income Protection Insurance
Protect your loved ones and your income with our life and income protection insurance solutions. Our range of insurance products includes life insurance, disability insurance, and income protection insurance to provide financial security and peace of mind for you and your family.
Financial Planning for Doctors
As a healthcare professional, your financial needs are unique. Our specialized financial planning services for doctors address the challenges and opportunities specific to your profession, including student loan repayment strategies, practice ownership, retirement planning, and wealth accumulation.
Self Managed Super Funds
Take control of your retirement savings with a self-managed super fund (SMSF). Our SMSF services provide personalized guidance on setting up and managing your SMSF, investment strategies, compliance requirements, and retirement planning to help you achieve your retirement goals.
Client Testimonials
Big thanks to Andrew for securing my investment property. Always goes above and beyond to get me the best deal possible to suit my needs. I have already recommended Andrew to family and friends and they have said only great things about his service. Have used Tomorrow Financial Solutions and Andrew twice now, with definite plans to reach out again for further property, cars & equipment finance. Extremely knowledgeable guy with exceptional communication. I Strongly suggest reaching out to him and the team for any information.
Mak Saab
Customer
Words can't capture how grateful we are for Pramu and the team. (Special thank goes to Pramu, Aaron, Rodney & Nerush).They truly made our dream a reality. With so many different opinions from brokers, they helped us see the bigger picture and guided us every step of the way.
We first met in Melbourne, and even after we made the move to Perth, their communication remained fantastic. Our settlement process went smoothly, despite being in different locations. Thanks to them, we got our home loan approved, and we’re thrilled to recommend their services to anyone looking to reach their next goal in their lives.
Wishing the entire team and the business all the best!
Lakmila Fernando
Customer
Big thanks to Andrew for securing my car finance. Always goes above and beyond to get the best deal possible to suit my needs. I recommended Andrew to all, made the whole experience so seamless and easy and ensured we were given the best deal for our needs. Will be reaching out to Andrew and Tomorrow Financial Solutions again in the future. Thank you Andrew!
Ayesha Jayasinghe
Customer
Thank you so much for arranging the loan for our property! You made it seem so easy..you guys are so professional.feels like a big load has been taken off our shoulders..will recommend your services for sure!! !!thanks a million Pramu & team.. also to add thank you heaps Rodney and Nerush for being prompt and assisting at all times...TFS you are a pleasure to deal with...Will come back to you guys for sure for all our borrowing needs in the future.
Prasad Nott
Customer
Thank you to Sonali, Thishakya and the whole team at Tomorrow Financial Solutions! As a small business owner they have been invaluable with helping us with the often challenging and stressful process of getting finance both for the business, and also for our own home purchase. They are a pleasure to work with and will guide you through every step of the process. Highly recommended.
Daniel Rigos
Customer
Once again… they’ve done it again! refinanced our home loan to get a much better rate and refinanced our investment property loan. They go above and beyond with their service & we are now customers for life. A special mention to Rodney and Nerush for all your hard work, it is truly much appreciated.
Cassandra McEwan
Customer
Pramu and team has been excellent from the start and has been absolutely clear on all my requirements to refinance as well as for the new loan. The whole team are very professional, responsive, friendly and goes the extra mile to ensure service is provided at the highest standard! Thanks again to the team at TFS for ensuring a smooth settlement with a tight deadline! I will definitely be engaging TFS for all my future financing needs.
L K
These guys are legends. After multiple brokers saying we cannot go ahead with a new purchase, Pramu, Sonali and team pulled it off in just three weeks. Only wish I had them across my previous transactions too.
M F
We got our first home loan approved through & we cannot recommend them enough. Sonali & Rodney worked extremely hard to get our loan approved within a few days, and this was no easy task as it was just prior to the Christmas break! The whole process was made so easy, and all we did was send the documents across. They followed up everything as if it was a personal matter, and made the whole process a breeze for us. Thank you Sonali, Rodney & the rest of team for everything and we will definitely be recommending you to everyone we know!!
Kaveesha Jayasinhe
Excellent work from TFS, thank you for being so helpful, being patient and answering all our queries,, thank you Pramu , Rodney ,Nerush and all for your help.
Nishee Peterson
Thank you Pramu and team for your outstanding assistance to help me with my refinance. Wish you all the very best.
Nichola Jacob
We help Australians
secure their best mortgage
We've helped thousands of people across Australia save on their mortgages and improve their financial positions.
Industry Recognitions
FAQ
The interest rates available to you will depend on various factors such as your credit score, loan amount, loan-to-value ratio, and the type of loan you choose. We work with a wide range of lenders to secure the most competitive rates for our clients. Typically, our rates are highly competitive in the market. Please contact us directly to get a personalised rate quote based on your specific circumstances.
The amount you need to contribute as a deposit varies based on the type of loan and the lender's requirements. Generally, for a standard home loan, you should aim to contribute at least 20% of the property's purchase price to avoid paying Lenders Mortgage Insurance (LMI). However, some lenders offer loans with a deposit as low as 5-10%, but these may come with additional costs or requirements.
First home buyers may be eligible for concessions or exemptions on stamp duty, depending on the state or territory in which they are purchasing. Each state has its own criteria and thresholds. We can help you navigate these regulations to determine your eligibility for stamp duty concessions or exemptions
Yes, first home buyers may be eligible for the First Home Owner Grant (FHOG), which is a one-off payment to assist in buying or building a first home. The eligibility criteria and grant amount vary by state and territory. We can help you determine your eligibility and assist with the application process.
The decision to buy an apartment or an established property depends on your personal preferences, lifestyle, and financial goals. Apartments often offer lower entry costs and maintenance, while established properties can provide more space and potential for capital growth. We can discuss the pros and cons of each option based on your specific needs and objectives.
The pre-approval process typically takes between 3 to 5 business days, provided we have all the necessary documentation from you. This timeframe can vary depending on the lender and the complexity of your application. Pre-approval gives you a clear understanding of your borrowing capacity and can enhance your negotiating position when buying a property.
our blog
Latest News
23
October
Why Refinancing is the Smart Move Right Now
With interest rates now at a market-low 5.39%, refinancing your existing mortgage can help you unlock tremendous financial benefits, including:...
08
April
Love, finance & budgeting
It is the month of love and some serious pillow talk and even though this may be your last idea of topics to talk about on your date night, a little financial planning can do a lot for your love life down the line. Hashing out monetary matters can make things a little awkward if..