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When you hear the term “sophisticated investor,” you might wonder, “What does that actually mean?” In Australia, it’s a status that allows access to special investment opportunities, but it also comes with some responsibilities and risks.
At Q Financial, we understand that this process can feel overwhelming, and we’re here to help. If you’ve been curious about what it takes to become a sophisticated investor or how it could benefit you, let’s break it down together.
In Australia, a sophisticated investor is someone who meets specific financial criteria set out under the Corporations Act 2001. To qualify, you need a certificate from a qualified accountant confirming the following:
This certification isn’t just a badge of honour; it’s a gateway. It allows you to invest in financial products or opportunities without needing the standard regulated disclosure documents, such as prospectuses or product disclosure statements (PDS). Essentially, it assumes that you have the financial experience and resources to evaluate these opportunities independently.
Here’s how the law categorises this:
Think you qualify as a sophisticated investor? Let us help you take the next step. Contact our team for expert advice. Read More
If you meet the requirements to be a sophisticated investor, you can access special investment opportunities that most people can’t. Here’s how this status can benefit you:
As a sophisticated investor, you can invest in opportunities like start-ups with big potential, private property funds focusing on undervalued real estate, and private equity funds offering high returns. These options may involve risks, but they’re designed for investors who are prepared to manage them.
You won’t need to deal with long and complicated disclosure documents. This means quicker decisions and faster access to opportunities. You can rely on your own experience to assess investments without waiting for excessive approvals.
Sophisticated investors often get better deals compared to retail investors. This might mean lower fees, higher returns, or access to exclusive funds. Financial institutions value your status, which can lead to more favourable agreements.
You may get the chance to help shape the terms of investments, like private lending agreements or property syndicates. This means you’re involved in making decisions, not just sitting back as an investor.
Sophisticated investors often hear about the best opportunities first. Whether it’s an off-market real estate deal or shares in a company before it goes public, getting in early can give you a strong advantage.
Many exclusive investments come with invites to events and forums where you can learn from others, share insights, and build relationships with other seasoned investors. These aren’t just sales events; they’re about growing your knowledge and connections.
The investments open to sophisticated investors are designed to deliver bigger results. A well-chosen investment could grow your wealth significantly, whether it’s a start-up that succeeds or a property that appreciates in value.
Excited about these benefits? Talk to our mortgage experts to learn how we can connect you with exclusive investment opportunities.
With great opportunity comes great responsibility. Sophisticated investors enjoy unique benefits but must also face higher risks and reduced protections. Here’s what you need to understand to make informed decisions.
Unlike retail investors, who are protected by layers of regulations and disclosure requirements, sophisticated investors are expected to know the ropes. This means you’ll need to rely on your knowledge (and your trusted advisers) to handle the complexities of certain investments. It’s empowering but also a little challenging.
Higher returns often mean higher risks. Start-ups can fail. Property developments can stall. Private funds can underperform. Being prepared to lose some or all of your investment in certain cases is part of the deal, and that is why diversification is so crucial.
Some investments, like private equity or unlisted property trusts, require you to lock in your money for several years. If you’re someone who values liquidity, this can be challenging. Plan carefully to ensure you have enough accessible cash for other needs or opportunities.
Wholesale financial products aren’t always straightforward. Whether it’s understanding the mechanics of mezzanine debt or the fine print of a hedge fund, these investments often require a deeper dive. If you’re not willing to ask questions or seek advice, the learning curve can be steep and expensive.
Unlike retail investments that come with detailed disclosures, sophisticated products may provide less upfront information. You’ll need to conduct your own due diligence and assess the risks independently. It’s not just about reading reports; it’s about asking the right questions and trusting your instincts.
Investing at this level can be exhilarating, but it’s not without its stresses. Seeing a significant portion of your wealth tied up in volatile markets or speculative ventures isn’t for the faint-hearted. Having a clear strategy and staying calm during downturns is crucial to long-term success.
It’s easy to chase big returns, but the smartest investors know how to balance their portfolios. Mixing high-risk opportunities with more stable investments ensures that you’re not overexposed if something goes wrong. It’s about playing the long game, not just winning the next round.
Property remains a proven way to build wealth, and as a sophisticated investor, you have access to more options than ever. Here are some ways to make property investments work for you:
Build-to-rent (BTR) developments focus on long-term rental properties instead of sales. They offer steady income because tenants often stay longer and come with possible tax benefits like depreciation. With more Australians choosing to rent due to affordability issues, BTR is becoming a promising investment choice.
You can co-invest with developers to help fund property projects like apartment buildings or spaces that combine homes, shops, and offices. In return, you share the profits when the project is sold or leased. Developers value fast access to capital, making your partnership both strategic and profitable.
Green real estate has become a popular niche as environmental sustainability increasingly influences market dynamics. Properties with features like solar panels, energy-efficient insulation, and rainwater harvesting systems are highly attractive to both tenants and buyers.
For investors, these properties offer dual benefits: a potential rental premium as tenants seek cost-effective and sustainable spaces, and long-term value appreciation as green-certified properties gain market recognition. For example, an investor might back a commercial building in Melbourne with Green Star certification, leveraging its eco-friendly design to command higher rents and attract environmentally conscious tenants.
Providing short-term loans, like bridging or mezzanine financing, to developers or buyers can yield high-interest returns over a shorter timeframe. These loans are often secured by the property itself, reducing risks for the lender.
For example, you could finance pre-construction costs for a developer at a 12% annual interest rate over 12 months, earning attractive returns with limited long-term exposure. This is a great option for those seeking higher yields without committing funds for extended periods.
Spotting and investing in suburbs before they experience major development can deliver significant growth. By using research and market trends, you can identify areas near upcoming infrastructure projects, employment hubs, or gentrifying neighbourhoods.
For example, early investment in Western Sydney before the Aerotropolis project brought about strong capital appreciation. Such foresight is key to long-term success in property investments.
Crowdfunding platforms let you co-fund high-value projects by pooling resources with other investors. This reduces risk while allowing you to share in the returns.
For example, investing $100,000 in a luxury apartment project alongside other investors gives you exposure to premium real estate without full ownership responsibilities. It’s a practical way to diversify your property portfolio.
Tourism-focused real estate, like resorts, boutique hotels, or serviced apartments, is another lucrative avenue. As international travel continues to recover, these properties can generate high returns.
For instance, investing in a vineyard estate in the Hunter Valley could provide income through both guest accommodations and winery sales. With thoughtful selection, these properties can combine financial and lifestyle benefits.
Buying and redeveloping distressed properties can bring great returns. These properties, often undervalued due to financial or physical challenges, offer strong appreciation potential when upgraded.
For example, transforming an old commercial space in Brisbane into a modern co-working office could attract tenants like start-ups and small businesses, delivering steady rental income while improving the community.
Investing in properties for niche markets, such as medical centres, logistics hubs, or co-working spaces, provides reliable, long-term rental income.
For example, converting a Melbourne warehouse into a logistics hub for an e-commerce company offers stable returns in a sector driven by the growing online shopping market. These properties are less affected by market swings, making them a steady investment option.
Becoming a sophisticated investor is just the first step. The real challenge lies in developing smart financial strategies to grow, manage, and protect your wealth. Here are some expert approaches to consider.
Setting up family trusts or private investment companies is a powerful strategy for sophisticated investors to manage and grow their wealth. These structures can help you save on taxes by spreading income among family members who are in lower tax brackets, which reduces the total tax you need to pay.
Additionally, they offer robust asset protection, shielding investments from creditors or legal disputes. Family investment vehicles also simplify generational wealth transfer, ensuring that assets are preserved and passed down efficiently.
For instance, a family trust holding a diversified property portfolio could distribute rental income to younger family members while retaining overall control with the trust’s primary benefactor.
Sophisticated investors often use derivatives like options, futures, and swaps to manage market risk and protect their portfolios. These tools act as insurance, offsetting potential losses in other investments.
For example, if an investor holds a significant position in mining stocks, they might purchase commodity futures to hedge against falling resource prices. While derivatives require a deep understanding of market mechanics, they offer invaluable protection during periods of high volatility, helping investors stabilise their returns.
Venture debt offers an exciting alternative to venture capital, allowing investors to lend money to start-ups with high growth potential while avoiding the risks of equity ownership. These loans are often backed by company assets, making them less risky than traditional equity investments.
For instance, lending $250,000 to a growing fintech company could yield annual returns of 12–15%, providing stable income while still supporting innovation. This strategy is particularly appealing to sophisticated investors seeking exposure to the start-up ecosystem without diluting their portfolio’s balance.
The secondary market allows sophisticated investors to acquire stakes in private equity funds, real estate investments, or other wholesale products from existing investors who need liquidity. This often results in purchasing assets at discounted prices, as sellers are motivated to offload their positions.
For example, buying a 10% stake in a high-performing private real estate fund at a reduced value due to the original investor’s liquidity needs can significantly enhance long-term returns. Secondary market transactions also offer the advantage of shorter holding periods compared to primary investments.
Blockchain technology is revolutionising property investment through tokenisation, which divides real estate into digital shares. Sophisticated investors can purchase fractional ownership of premium properties, such as luxury apartments or commercial buildings, enabling them to diversify their holdings without significant capital outlay.
For example, owning 1% of a Sydney CBD office tower through tokenised investments allows investors to enjoy rental income and capital appreciation while maintaining liquidity by trading tokens on digital platforms. Tokenisation represents a cutting-edge approach to making high-value real estate accessible and flexible.
Sophisticated investors looking for uncorrelated returns might consider catastrophe bonds (cat bonds) or insurance-linked securities (ILS). These investments pay based on specific events, such as natural disasters, rather than traditional market conditions.
For instance, an investor might back a cat bond tied to cyclone insurance claims in Queensland, earning a high fixed yield if no claims are made during the bond’s term. Although these products carry unique risks, they provide an excellent diversification strategy, as their performance is independent of equity or property markets.
Environmental, Social, and Governance (ESG) investments are increasingly attractive to sophisticated investors who prioritise both ethical and financial returns. Backing renewable energy projects, sustainable real estate developments, or socially responsible companies aligns with evolving market trends and consumer preferences.
For example, investing in a wind farm project not only supports clean energy initiatives but also generates steady income through power purchase agreements. ESG investments also tend to attract premium buyers or tenants, further enhancing long-term returns.
Sophisticated investors often access wholesale fixed-income products like private bonds or infrastructure debt that offer higher yields than retail options. These investments also provide tax efficiency when structured appropriately.
For instance, investing in infrastructure bonds tied to large government-backed projects not only delivers stable interest income but also benefits from favourable tax treatments due to their public utility nature.
Sophisticated investors can reduce risk and tap into high-growth markets by diversifying across international investments. For instance, purchasing shares in offshore private equity funds or acquiring overseas property provides exposure to markets like the U.S. or Europe, which might perform differently from Australian markets.
Additionally, global diversification offers a hedge against currency fluctuations, ensuring a well-rounded portfolio that thrives in varying economic conditions.
Peer-to-peer lending platforms offer sophisticated investors opportunities to fund loans directly to individuals or small businesses, bypassing traditional financial institutions. These platforms usually offer higher interest rates than banks, with risk levels that can be managed through careful loan selection.
For example, lending $50,000 to a small business on a peer-to-peer platform with a 10% interest rate provides predictable income while supporting the local economy.
Smart strategies lead to smarter investments. Schedule a consultation with us to explore the financial options available to you.
Becoming a sophisticated investor isn’t just about meeting financial criteria; it’s about preparation, planning, and making informed decisions. Here’s a step-by-step guide to help you get there.
The first step toward becoming a sophisticated investor is evaluating whether you meet the financial thresholds set under Australian law. To qualify, your net assets must be at least $2.5 million, or your gross annual income must exceed $250,000 for each of the past two financial years.
These criteria are non-negotiable and ensure that you have the financial capacity to participate in opportunities designed for experienced investors. It’s worth taking a detailed look at your balance sheet, including real estate, investments, and other significant assets, to determine whether you meet the eligibility requirements.
Once you’ve confirmed your financial position, you’ll need to engage a qualified accountant to issue a certificate verifying your eligibility. This document is crucial as it officially classifies you as a sophisticated investor and is typically valid for two years.
Be prepared to provide detailed evidence of your assets or income, such as tax returns, property valuations, or investment statements, as part of the process. The certificate acts as your entry ticket to wholesale investment opportunities, so keeping it updated is essential.
Before pursuing sophisticated investor status, it’s important to ask yourself why you want to qualify. Are you seeking access to exclusive property syndicates? Planning to diversify into private equity or hedge funds? Perhaps you’re interested in investing in start-ups or alternative asset classes.
By identifying your goals upfront, you can focus on the opportunities that align with your risk tolerance and financial aspirations. Understanding your “why” not only helps you stay focused but also ensures that you make the most of your status.
Sophisticated investors enjoy access to unique opportunities but also face reduced regulatory protections compared to retail investors. It’s vital to recognise that many wholesale products come with higher risks, limited transparency, and fewer safeguards.
Make sure you’re comfortable with the level of due diligence required and the potential for losses. Talking to a financial adviser or broker is a smart way to make sure you clearly understand the responsibilities and risks of this status.
Understanding the sophisticated investor process can be complex, but partnering with trusted professionals makes it easier. A mortgage or finance broker can help you identify investment opportunities that match your financial goals while also ensuring compliance with regulatory requirements.
These professionals can act as guides, connecting you to lenders, developers, or fund managers and helping you structure your investments to maximise returns. Their expertise ensures you avoid common mistakes and choose wisely.
The accountant’s certificate required for sophisticated investor status isn’t permanent, as it expires every two years. To maintain your classification without interruptions, plan ahead and renew it before it lapses. Staying on top of your certification is especially important if you’re actively participating in wholesale markets, as many opportunities will require proof of your status at the time of investment.
While not a formal requirement, maintaining a record of your investment history can be invaluable. Documenting past deals, returns, and lessons learned demonstrates your expertise and builds credibility with potential partners, lenders, or fund managers.
For example, if you’re entering into a co-investment deal with a developer, having a track record of previous successes can reassure them of your capability and reliability.
Becoming a sophisticated investor isn’t just about meeting financial criteria; it’s also about staying informed. Attend industry seminars, read market reports, and subscribe to updates from trusted sources to keep your knowledge current.
Property, private equity, and wholesale markets can change quickly, and staying ahead of these shifts will position you to make smarter investment decisions. Continuous learning ensures you remain confident and capable of evaluating the opportunities available to you.
Becoming a sophisticated investor is about more than just meeting the financial criteria; it’s about accessing a world of exclusive opportunities and making informed decisions to grow and protect your wealth.
At Q Financial, we help clients explore these opportunities with confidence. Whether you want to qualify as a sophisticated investor or make the most of your current status, our team is here to support you every step of the way.
Reach out to us today for a personalised consultation, and let’s discuss how we can help you achieve your financial goals. Your journey to smarter, more strategic investing starts here. Read Less
As a sophisticated investor, your needs go beyond conventional lending. A mortgage broker, like those at Q Financial, can connect you with wholesale lending products, help structure loans for property syndicates, and negotiate terms that align with your financial strategy. We can also advise on leveraging equity in your existing properties to fund exclusive investment opportunities.
Absolutely. Property syndicates and build-to-rent projects often require significant capital or specific financing arrangements. At Q Financial, we work with lenders who specialise in funding these types of investments, ensuring you have the financial backing needed to participate.
Managing risk is crucial when you’re navigating high-value investments. As finance experts, we at Q Financial can help you assess the risks of various lending or investment strategies, ensuring your portfolio remains balanced. We also help structure loans to protect liquidity and reduce financial exposure.
While the qualification process involves an accountant’s certificate, a mortgage broker can guide you in preparing your financial profile. By analysing your net assets or income, we can provide insights to help you understand whether you meet the criteria and how to make your application seamless.
At Q Financial, we have access to a range of wholesale financial products, including private debt opportunities, mezzanine loans, and low-fee wholesale mortgage options. These options are not usually available to everyday investors, giving you an advantage as you work toward your financial goals.
Supporting eligible home buyers to buy a home sooner and avoid paying LMI.
Supporting eligible regional home buyers to buy a home sooner, in a regional area.
Supporting eligible single parents with at least one dependent to buy a home sooner.
Hi! If you’re a property investor seeking financial guidance you’ve come to the right place! My name is Quinto, and I will be your trusted and friendly local broker who will guide you every step of the way.
Feel free to reach out to me and my team today to get connected to the home mortgage lenders who will look upon your application most favourably. We promise that you will get an absolutely FREE, no-obligation consultation!
At Q Financial, we are dedicated to assisting individuals from all walks of life in achieving their financial goals. With our team of experts, including our trusted mortgage broker, Quinto White, we have the expertise to effectively navigate the lending landscape and secure favorable outcomes for our clients.
Whether you’re a First Home Buyer, Home Upgrader, looking to Refinance, make Investments, or embark on a New Home Purchase, our Award-Winning Home Loan Specialists, led by Quinto White, are here to provide advice-driven solutions tailored to your specific financial and lifestyle goals—both now and in the future.
At Q Financial, we are not only committed to our clients but also to the well-being of our planet. We embrace ethical lending practices, actively offset our carbon emissions, and strive to make a positive impact. With your support, we can continue to accomplish even greater things!
Contact Q Financial today and let Quinto White, our dedicated mortgage broker, guide you through the process of achieving your financial dreams.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them
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It is our job to carry out all the legwork on your behalf from start to end, and represent you in a way that will get you the most favourable outcome. We will assess your borrowing capacity, organise your paperwork, and make sure you get approved for a home loan in the most cost-effective and transparent way possible.
We have access to a wide array of lending options, so there should be something out there to fit every individual financial plan. We keep an eye across a large section of the property market, and we compare rates from our wide panel of lenders. We can help you explore those options and make sure you get the right one for you!
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Excellent service and ongoing advice when buying our first home. Absolutely recommended!
Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.
Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩
We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.
Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.
I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!
We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.
Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.
I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702
The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!
Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!
Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend
Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.
Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.
Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)
Q goes the extra mile. Great work.
Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers
Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!
Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.
Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.
Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.
Q financial were super helpful and walked us through everything Highly recommend using them
Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!
Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.
Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend
Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼
Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!
Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.
As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them
Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.
Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!
We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!
Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !
Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!
As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!
Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.
Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!
Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!
Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!
Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!
Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!
Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!
What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️
Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!
We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..
Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!
Great guy and great at what he does
