BUY YOUR DREAM HOME OR INVESTMENT PROPERTY

With over a decade of finance  and banking experience our
team delivers expert guidance and exceptional care at every step.
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How We Support
You Through Your
Home Loan Journey

Whether you're upgrading to your forever property, or building an investment portfolio, we're here to guide you through every stage. We take the time to understand your unique goals and financial position, then match you with the right loan structure and lender.

From initial consultation through to settlement and beyond, we handle the complexity while keeping you informed at every step. Our role is to simplify the process, save you time, and ensure you're getting the best possible outcome, without the stress of navigating it alone.
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Why Choose Fruition Financial?

Peace of Mind Process

Our service comes at no cost to you, we're paid by the lender you choose, not by you. Whether you proceed with a loan or decide it's not the right time, there's absolutely no fee or obligation. We're here to provide expert guidance and support, risk-free.
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Decade of Experience

With over ten years in the finance industry, our team has navigated countless market conditions and helped hundreds of clients achieve their property goals. This experience means we know how to structure applications, anticipate challenges, and secure outcomes efficiently.

Ongoing Management

Our relationship doesn't end at settlement, we stay with you for the long haul. We proactively monitor your loan, reach out when better rates become available, and fight on your behalf to ensure you're always getting the best possible deal.

We used Zack to buy our first home! He took all the stress away and supported us in every way possible. We couldn’t be more grateful and have found a broker we will use for life. Thanks Zack!

Larissa Humphreys

We cannot recommend Fruition Financial highly enough. We've been trying to get a suitable home loan for YEARS with many different brokers unsuccessfully. Fruition Financial just go above and beyond for you. We can finally say thanks to them we now have our approval that we've waited years for through their determination and work ethic 🤩

Leah Lewis

Zack was absolutely incredible to work with!He made the entire process smooth, stress-free and easy to understand from start to finish. He went above and beyond to get us the best possible outcome and communication with him was a breeze always keeping us in the loop and he was very on the ball. I couldn’t recommend Zack more highly!

Katie Thain

Zack is absolutely brilliant at what he does. Not only was he great at getting the right finance and interest rate for us, he is one of the loveliest guys you could meet. We felt like we had know Zack for ages and he is so easy to talk to, you can really tell he cares about his clients. We were never left chasing him. I wouldn’t use any one else for financing after finding Zack.

Kay Mac

I gave Zack & his team a tough task which included tight deadlines that was navigated to the highest level. His knowledge & experience in this industry was on display during this one! Well done Team, Well done!

James Coote

Zack (Mr wonderful) was such a big help not only successfully obtaining my new investment property but guiding me through all the property reports and choosing the right financial institution to meet my need’s. He was always there at odd hours late at night and weekends to help with the choices and many questions. Thank you Zack

Rachelle Barbara

We have worked with Mark and now Zack for close to 2 years.We have worked with others within this industry for many many years from a commercial and private position, and this team ‘clearly is far and above any others in financial services’ that I have dealt with. Almost everytime you get the result you want from accounting to lending/borrowing. In my opinion, if you are reading this you should do yourself a favour and make contact with them especially is you are a SME.

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Discover Sports Group

Where to begin! My partner and I have been on the hunt for a home for a little while and Zack has been nothing but helpful and patient through the whole process. As of last week we finally secured our first home and could not have done it without Zack! So extremely happy with all outcomes!

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Brittany Gocher

Zack has been an absolute lifesaver during our home loan journey. After our initial pre-approval, our situation unexpectedly changed, and we thought we’d face major delays. But Zack stepped in, reassessed everything, and got us a brand-new unconditional approval in less than 24 hours. His speed, expertise, and steady communication kept us calm and confident throughout. If you’re looking for someone who genuinely has your back and gets things done, Zack is the person you want by your side.

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Bovas Babu Joseph

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FAQs

Looking for an answer?

Can I turn my current home into an investment property when upsizing?
Yes, you can convert your current home into an investment property when purchasing your next home, provided you meet certain criteria:

- You have sufficient deposit saved for your new home purchase

- Your income and financial position support servicing both the existing loan and the new loan simultaneously

- You're comfortable managing the total monthly repayments across both properties

This strategy allows you to build wealth through property investment while upgrading to your next home. We'll assess your borrowing capacity and help structure your loans to make this transition as smooth as possible.
What is a bridging loan?
A bridging loan is a short-term financing solution (typically 6-12 months) that allows you to purchase your new home before selling your current one. The bridging loan covers the gap between buying and selling, giving you the funds to settle on your new property without the pressure of having to sell first. Once your existing home sells, the proceeds are used to pay off the bridging loan, leaving you with your final "end debt" on the new property. This option provides flexibility and can be particularly useful in competitive markets where you need to act quickly on the right property.
What are the costs of upsizing or buying a new home?
When purchasing your new home, budget for:

- Your deposit (typically 20% to avoid LMI)
- Stamp duty
- Legal and conveyancing fees
- Mortgage discharge fees on your current loan (if applicable)
- Moving and removalist costs
- Refurnishing, styling, and any immediate maintenance or renovation work

If you're selling your current home simultaneously, additional costs include:

- Pre-sale repairs, cleaning, or minor renovations
- Real estate agent commission (typically 2-3% of sale price)
- Property styling and marketing expenses
- Legal and conveyancing costs for the sale
- Bridging loan interest and fees (if applicable)

We'll help you understand the full financial picture so you can plan your upsizing journey with confidence.
Would it be better to renovate my current home instead of buying?
This depends on your personal goals, family needs, and financial situation. Renovating can be more cost-effective as you'll save on stamp duty, real estate agent commissions, and moving costs. However, if your current home's location, size, or layout no longer suits your lifestyle, upsizing may be the better long-term solution. If you do decide to renovate and need to borrow funds, keep in mind that structural renovations typically require a construction loan with progress payments rather than a traditional mortgage. We can help you weigh the financial pros and cons of both options based on your circumstances.
Should I get a pre-approval before looking for a property?
Pre-approval is essential whether you're upsizing, buying an investment property, or purchasing your first home. It gives you certainty around how much you can borrow, strengthens your negotiating position with sellers, and allows you to move quickly when you find the right property. Many buyers' agents and real estate agents will require pre-approval before formally starting their search. We'll arrange your pre-approval early in the process so you can shop with confidence.

Speak With Our Team

Secure a complimentary session with one of our MFAA-approved brokers today

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