Balcombe Financial

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Balcombe Financial

A mortgage broking advisory business providing tailored financing solutions for residential and commercial properties. Welcome to Balcombe. We work for you.

Balcombe is led and managed by Michael Flinos, an ex-banker who has over 18 years' experience in credit risk management, loan origination, relationship management and property finance. Our core focus is set on delivering considered, value-adding solutions, tailored to our clients' individual needs.

14/07/2026

Delighted to be working with a private developer on the construction of a double storey home in Alphington.

Loan Amount: $1.6m
End Value: $2.6m
Lender: Non-Bank

Just part of what we do!

23/06/2026

Balcombe Financial is a family-owned mortgage broking business with over 20 years’ experience in banking and finance.

We help clients with:

🔹 Refinancing — if the cost of living is squeezing you, switching lenders could be one of the quickest ways to free up cash each month

🔹 Buying a home — whether you need finance arranged on a property you’ve already found, or a pre-approval before you start looking

🔹 Investment property — first addition to your portfolio or fifth, we can help structure the finance

🔹 Development & construction finance — from small residential projects through to larger developments, we work with lenders who understand the space

🔹 Commercial finance — purchasing or refinancing commercial property, or funding business needs secured against real estate

Meetings in person, by phone, or online — whatever suits you.

📞 0429 179 060

Welcome to Balcombe!
commercialfinance realestate realestatemelbourne property finance baysidemelbourne melbourne

04/06/2026

Commercial SMSF Purchase 🏭

Excited to be arranging the finance for a warehouse/showroom purchase in Mentone, Victoria — 800+ sqm on a 1,150 sqm block with 14 car spaces.

Loan Amount: $1,800,000
LVR: 80%
Term: 30 Years (5 Years Interest Only)

If you’re buying property through your SMSF — residential or commercial, give Michael a call on 0429 179 060.

27/05/2026

A massive thank you to the team for assisting my family with the sale of our home! In a very tricky market, they helped guide us, educate us and above all, showed us respect and honesty. Such a great team of people and agents! .marshallwhite .marshallwhite

23/05/2026

Congratulations to our clients on selling their house today! Onwards and upwards!

15/05/2026

Great day out visiting one of our development sites in Mount Waverley! Construction is progressing nicely on this six-townhouse development — a project we were proud to get across the line with a $4,935,000 facility, no presales required. 🏗️

13/05/2026

A big thank you to our amazing First Home Buyer client for the fantastic review! We truly appreciate your trust and support throughout the process.

As always, it’s great to play a small part in someone’s property journey!

11/05/2026

Another great result for one of our existing clients ✅

We’ve just secured a new pre-approval of $850,000, giving them the confidence and flexibility to act quickly when the right opportunity presents itself. 🏡

With property prices easing in some parts of the market and buyer competition not as intense as previous years, there can be genuine opportunities for buyers who are prepared and finance-ready. Having a pre-approval in place means you can move with confidence and negotiate from a stronger position when the right property hits the market.

Whether you’re a first home buyer, upgrading, investing, or looking to refinance, the right lending strategy can make a significant difference.

At Balcombe Financial, we work closely with our clients to structure finance solutions that align with their long-term goals — across residential, commercial, and construction lending.

📩 If you’re thinking about buying or want to understand your borrowing capacity in the current market, get in touch with us today.

26/04/2026

Congratulations to our clients on upsizing from Oakleigh to Mount Waverley — thrilled to be arranging the finance for this one!

Looking to buy your next home? We’d love to help. 👇

07/04/2026

Currently arranging finance for a self-employed client in Perth — leveraging an unencumbered property valued at $1.5M to structure a $750K low-doc investment loan.

Traditional banks don’t always have a box for self-employed borrowers. We do.

If you’re sitting on equity and need finance tailored to your income structure, get in touch.

📲 Link in bio or DM to book a call.

investmentproperty BalcomeFinancial

Address

P. O. Box 9042 Brighton
Melbourne, VIC
3186

Telephone

+61429179060

Website

http://www.balcombefinancial.com.au/, http://www.calendly.com/balcombefinancial, http://linkedin.com/in/michaelflinos, h

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