Balcombe Financial

Name: Balcombe Financial
Address: P. O. Box 9042 Brighton, Melbourne, VIC, 3186, AU
Telephone: +61429179060
Price range: Not Applicable

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Balcombe Financial

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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.

02/10/2026

Whether you’re building a new home, developing townhouses or planning a subdivision, getting finance organised early can help you move forward with greater confidence.

At Balcombe Financial, we help you explore lending options suited to your project, from the land purchase through to construction.

Have a site in mind or plans underway? Let’s talk about your next step.

📞 Call Michael on 0429 179 060 or send us a direct message.

31/08/2026

Congrats to our clients on securing this investment property on the Mornington Peninsula! 🏡

28/08/2026

Our client’s sold their Black Rock home last year prior to the market downturn. With prices softer than last year, we have secured them a pre-approval of $800,000 so they can move on their next purchase.

Thinking about buying again? Find out what you can borrow first. Call Michael on 0429 179 060.

04/08/2026

Commercial factory refinance | Highett, Melbourne

Refinanced a $560,000 facility on a commercial factory in Highett, with $240,000 cash out released for the client to reinvest in their business.

Total lending: $800,000
Property value: $1,000,000
LVR: 80%
Low doc

Deals like this come down to structuring — commercial low doc lending at 80% LVR isn’t something every lender will approve, but with the right positioning it gets done.

23/07/2026

Dual occupancy build by Metricon — finance arranged by Balcombe Financial.

If you’re considering a dual occ build and want to know what’s achievable, send me a message.

20/07/2026

We are delighted to be helping a self-employed client refinance their home loan and unlock equity for business growth.

$1.4m low doc refinance, $600k cash out, secured against the PPR in Canterbury (valued around $3m).

Self-employed, so income was assessed via a low doc pathway rather than full financials.

Just part of what we do!

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

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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