Our Services
Finally, a finance experience tailor-made for first-home buyers.
TFC was founded to solve a problem far too common in the finance world: first-home buyers left feeling overwhelmed, confused, and completely in the dark.
Too often, they walk away with a set of keys, but no real understanding of the process they just went through. TFC exists to change that.
I’m A First-Home Buyer Looking To…
FOR FIRST-HOME BUYERS WANTING TO...Buy An Established Home
First Home Buyer Finance is our jam, and we want to make it your bread and butter too.
Buying your first home should feel exciting, not confusing. This service is designed specifically for first time buyers who want a clear plan, expert guidance, and someone in their corner from start to finish.
We’ll walk through your current financial position, your goals, and your options. We’ll explain everything in plain English (no jargon!), help you access available grants and schemes, and structure your home loan to set you up for success.
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- An in-depth strategy session
- Step-by-step guidance through the entire home loan process
- Grant, low deposit and Scheme eligibility assessment
- Budget and borrowing capacity review
- Ongoing support through pre-approval, offer, settlement, and beyond
- Finance that meets you where you are, and takes you where you want to be!
FOR FIRST-HOME BUYERS WANTING TO...Build A New Home
Building instead of buying? We’ll handle the finance from start to finish. From budgeting and pre-approval, to structuring your construction loan the right way!
Construction finance has its own set of rules; progress payments, loan stages, drawdowns, and it can get confusing fast. As your broker, we’re here to simplify it. From assessing your borrowing power to helping you access Scheme eligibility & the First Home Owner Grant, we make sure the finance side is clear and structured from the start.
We’ll handle your pre-approval, coordinate with your lender as well as your builder through each stage of the build, and tailor your loan structure to suit your cash flow. You focus on the build, we’ll focus on making the finance work, from slab down to settlement.
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- An in-depth strategy session - Step-by-step guidance through pre-approval, land settlement, and build stage drawdowns
- Grant, Scheme, and low deposit eligibility assessment
- A budget and borrowing power review tailored to your land and build plans
- Ongoing support across land purchase, build contract signing, and each progress payment stage
- Finance that meets you where you are, and takes you where you want to be!
FOR FIRST-HOME BUYERS WANTING TO...Buy An Investment Property
Whether you’re buying your first investment property or expanding your portfolio, having the right loan structure is key.
We work with you alongside your financial planner & accountant to understand your long term goals and help you build a strategy that supports both your cash flow and future growth.
From interest-only options to equity release and effective loan structures, we can take the complexity out of investment loans. You’ll get tailored advice, access to a wide range of lenders, and support from a team who ensures you make informed decisions.
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- An in-depth strategy session focused on your long-term financial goals and property investment plans
- Step-by-step guidance through the loan process, from pre-approval to settlement and beyond
- Lending structure guidance (split loans, interest only, etc)
- Rental yield, cash flow, and borrowing capacity review
- Support with lender policy navigation, including cross-collateralisation, multiple properties, and future borrowing potential
- Finance that meets you where you are, and takes you where you want to be!
Our Process
Buying your first home comes with enough unknowns, your finance journey shouldn’t be one of them. At TFC, our process is designed to keep things simple, supportive, and structured so you always know what’s happening next.
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1. Let's Chat
This is where we review your current financial situation, we will create a savings plan if you aren't deposit ready, or if you are ready to rock and roll we will progress to obtaining documents.
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2. Let's Collect
This is the only part of the process where some of the heavily lifting is on you. The Client Centre will be sent to you where you can securely complete your information & uploaded your documents. I'll then take it from there.
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3. Let's Meet
We will review your scenario and complete all of the background work so you can kick back and relax. During out meeting we will cross the t's and dot the I's so you feel comfortable in the pathway forward.
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4. Let's Lodge
We will prepare, lodge & manage your application from Pre-Approval right through to Formal Approval, and be right by side to take you from A to B.
Meet Tayla
Founder. First-home buyer turned first-home advocate.
Tayla Phillips knows what it’s like to feel out of depth when buying a first home. She purchased her first property at just 20 and quickly realised how little guidance was offered to buyers like her.
With a background spanning over 8 years across real estate, property development, finance, and management, Tayla brings real-world experience and a refreshingly human approach to an industry that often forgets who it’s supposed to serve.
TFC was born from her drive to make first-home finance not only easier to navigate, but actually empowering for the people going through it. Her commitment to education, clarity, and care sits at the core of everything TFC delivers.
NEED HELP WITH SOMETHING ELSE?We’re on a mission to make finance feel clear, approachable, and empowering from day one.
Through education, structure, and ongoing support, TFC helps first-home buyers feel informed and in control every step of the way.
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Looking to purchase a new vehicle, business equipment, or other high value assets?
Asset finance solutions are available to help you secure the tools you need without tying up your cash flow. Whether for personal or business use, we can point you in the right direction and ensure you're connected with the right options to suit your situation.
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Just like your personal situation, the property market and our economic landscape is ever evolving, which is why it's imperative to review your loan on a regular basis.
We can review your current interest rate, loan structure & loan product in comparison to alternative loan offerings in the marketplace. During this process we will reassess your situation and goals to ensure we proceed with a loan that suits your current situation.
Choosing to refinance your loan can also allow you to consolidate pesky debt or to gain access to your equity to use towards another property purchase, a new car or to fund your next renovation to rival the winning room on The Block.
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Commercial finance can open the door to new investment opportunities, whether you're buying a warehouse, completing a fit-out, acquiring a new office space, retail premises, or developing a site. With different lending criteria, structures, and risks compared to residential loans, it’s important to approach commercial finance with the right guidance.
We can connect you with lending options and help you understand the key considerations around commercial finance, so you can make informed decisions that align with your long term business or investment goals.