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Thomas Magdalene Finance Group

Blog
Meet the Team
What We Do
Contact
August 17, 2025
Belinda Gibson
What Value do Finance Brokers provide?

Don’t see the value in a Mortgage Broker?  

What Value do Finance Brokers provide?
February 25, 2025
Belinda Gibson
DECODING the ABCs (and Beyond!) of Mortgage ...

Navigating the world of mortgages can feel like learning a new language. There are so many terms and processes involved! To help simplify things, let's break down the ABCDs (and beyond!) of mortgage broking, giving you a clearer picture of what to expect.

DECODING the ABCs (and Beyond!) of Mortgage Broking....
December 12, 2024
Belinda Gibson
Google Reviews, the ultimate gift...

Recently, a client went out of their way in their own time and uploaded an exceptionally well thought out and complimentary review of her experience with TM Finance Group. It totally blew us away. …

October 31, 2024
Belinda Gibson
TMFG's Budget Tips for new homeowners...

Your budget should be based off your take home income, from your base pay–if you receive overtime or allowances try not to include this.

 

Being a homeowner, you'll now have new bills to pay that you’ve never had before. So, in your homeowner budget be sure to consider; internet, gas, electricity, council rates, body corporate fees, building insurance, transport costs (tolls, petrol, car service, rego) and the big one in these hard times…. FOOD!!

February 23, 2024
Belinda Gibson
Businesses have less than six months to claim ...

The clock is ticking for businesses that want to take advantage of the instant asset write‑off and Small Business Energy Incentive, which expire on 30 June.

Belinda Gibson
November 3, 2021

New lending rules are being introduced (again), what could that mean for you?

Belinda Gibson
November 3, 2021

In this new home loan environment, it's never been more important to get help from an expert broker who's fully across the new rules. In this post we unpack the latest in regulatory rules for lenders…

Belinda Gibson
October 26, 2021

Statistics show brokers are currently more attractive to borrowers than banks, here’s why.  

Belinda Gibson
October 26, 2021
Statistics show brokers are currently more attractive to borrowers than banks, here’s why.   

Now that brokers are legally required to act in their best interests–something banks aren’t required to do –we’ve seen a large shift in the numbers of borrowers that choose to use a broker over a bank….here’s why…

Belinda Gibson
October 20, 2021

598,000 residential properties were sold in August, 2021…

Belinda Gibson
October 20, 2021
598,000 residential properties were sold in August, 2021…

Are you sitting on your hands, waiting for the bubble to burst before you dive into home ownership, or slide into an investment property?

Market behaviour is suggesting you get off it, and get in now, because it’s STILL not looking like slowing down any time soon.

Belinda Gibson
October 19, 2021

Belinda Gibson
October 19, 2021
Belinda Gibson
October 13, 2021

Fixed vs Variable Rates...to split, or not to split...these are the questions.

Belinda Gibson
October 13, 2021
Fixed vs Variable Rates...to split, or not to split...these are the questions.

The Reserve Bank of Australia data for August shows owner-occupiers on three-year fixed loans were paying, on average, 1.26 percentage points less than those on the discounted variable rate.

However, these things move in cycles.

And so, of course, choosing one over the other is not really a one size-fits-all solution…

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TM Finance Group, 30 Church Street, Traralgon, VIC, 3844, Australia0448275630admin@tmfinancegroup.com.au

Belinda Gibson is a Credit Representative (Credit Representative Number 463005)

of Connective Credit Services Pty Ltd A.C.N. 143 651 496  (Australian Credit Licence No. 389328)

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A little bit about TM Finance Group! 💙

Let me break it down for you!

5 Brokers - Kylie, Emily, Jodie, Kim & Belinda

3 Locations - Melbourne, Traralgon & Trafalgar

68 Combined  Years of experience in Finance, Accounting & Banking! It&
Congratulations ! 👏🏻

We’ve seen a few SOLD Stickers lately! But this is our first with a cat; Meet Toby!!

Toby and his parents have just purchased this fabulous property to call home!  It has lots of sunny spots for Toby to laze around and
Thank you Tams for this amazing 🤩 Review!!

You can read the full review here:

“Kylie was such a joy to meet and work with - her vast knowledge and bubbly energy was so so appreciated, especially for a first home buyer when everything feels s
The dream home is officially secured! 🏡 

A massive thank you to Macquarie Bank for their lightning-fast service.

Timeline: 
Monday: Home loan submitted & approved.
Tuesday: Documents signed.
Wednesday: Settled and cash in the client's account.