ABOUT US
Our Team is Ready to Help you!
Yonder Finance Pty Ltd is committed to empowering homeowners, investors, and business owners through tailored and intelligent financial solutions. The company’s name, Yonder, reflects its forward-thinking philosophy guiding clients beyond conventional barriers and helping them realise their financial goals. Yonder Finance strives to make the lending process seamless by eliminating stress and frustration, providing a streamlined loan application experience unlike what you might encounter with traditional lenders.
A central focus of Yonder Finance is to offer trusted advice, expert guidance, and to build enduring partnerships with clients. By doing so, the company ensures that clients can confidently grow and protect their wealth, secure in the knowledge that they have a reliable partner at every step.
Our Values: The Four Pillars of Yonder Finance
At Yonder Finance, our approach is founded on four essential values that define our relationships and drive our service delivery:
• Honesty – We value transparency and truthfulness in all our interactions, ensuring that our clients are always fully informed and can trust the advice they receive.
• Integrity – We are unwavering in our commitment to ethical practices, maintaining high standards and doing what’s right even when it’s not the easiest path.
• Responsiveness – By actively listening to our clients and understanding their needs, we respond promptly, helping them seize opportunities and overcome challenges without unnecessary delay.
• Speed – In the fast-paced financial world, timing can be everything. We pride ourselves on delivering swift results, ensuring that clients can act when it matters most.
Our mission at Yonder Finance is to encourage sustainable, ethical growth while empowering our clients with strategic guidance that is personalised to their unique ambitions. We are dedicated to forging genuine, long term partnerships with business allies who share our values, working together to achieve mutual success. This win-win attitude is the cornerstone of every relationship we cultivate.
Through our dedication to sustainability, insightful advice, collaboration, and a commitment to shared achievements, Yonder Finance provides solutions that are compelling, reliable, and truly beneficial. We equip our clients and partners to flourish in a constantly changing world charting a path to excellence that is guided by our core values and our vision for the future.
Meet our Team
Michael Balshaw
Principal Broker
Phone: 0481 298 446
Email: michael.balshaw@outlook.com
Your Trusted Financial Specialist
With many years of experience in the finance industry, I have built an extensive career across Australia’s leading financial institutions and Non-Banks, including Commonwealth Bank, NAB, Westpac, Suncorp, Pepper Money, and most recently, Bridgit. This diverse background has equipped me with a deep understanding of the everchanging financial landscape and the needs of a wide range of clients.
Throughout my career, I’ve developed a reputation as a subject matter expert in self-employed finance, expertly guiding clients through the complexities of both residential and commercial lending. Whether assisting entrepreneurs, business owners, or investors, my approach always centres on tailored solutions that foster growth, security, and longterm success.
I am highly skilled in structuring home loans and commercial finance, ensuring each solution is uniquely matched to my clients' goals. In addition, I am recognised for my
expertise in bridging finance, helping clients transition smoothly between properties with confidence and peace of mind.
My commitment goes beyond simply securing finance, I aim to eliminate stress and confusion, providing clear, trustworthy guidance every step of the way. With a passion for empowering clients to achieve their financial ambitions, I pride myself on building lasting partnerships based on integrity, transparency, and shared success.
If you’re seeking a broker who brings knowledge, experience, and a genuine dedication to your financial wellbeing, I invite you to connect and discover how I can help you realise your next opportunity.
Services
Supporting First Home Buyers
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant
Investment Loans
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Commercial Loans
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Standard Variable & Fixed Rate Loans
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
Honeymoon Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Asset Finance
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
WHY CHOOSE US
We'll find the loan that's right for you
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.
Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
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We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
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We are here to serve you and ensure you will be 100% satisfied with our service.
We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.You can feel confident that you are in safe hands and we will find the loan that’s right for you.
Testimonials
Thanks for your help, Michael. The process was straightforward and efficient, and I felt confident every step of the way. It’s exactly the kind of experience I’m comfortable recommending to my clients and anyone looking for a mortgage broker who genuinely cares and knows the industry inside out.
Name
I’ve been working with Michael for over two years and can confidently recommend him. He’s an energetic and proactive professional who approaches every challenge with a solutions mindset. Michael is always available, easy to work with, and consistently gets results. I look forward to continuing our strong working relationship well into the future.
Name
Working with Michael was such a smooth and stress-free experience. His years of experience in the mortgage industry really showed—he explained everything clearly, guided us through every step, and made sure we felt confident with our decisions. What stood out most was how much he genuinely cared about finding the right solution for us, not just the quickest one. Thanks to his expertise and support, we secured a great loan and feel set up for the future. We couldn’t recommend him highly enough!
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Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on the interest and fees, or potentially help you maximise your tax benefits.
Not sure what kind of loan you need for your current financial circumstances? That's our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you the peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
CALCULATOR
Use our mortgage calculators to estimate how much you can borrow.
We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Yonder Finance before placing your deposit or purchasing any property.
CONTACT US
Get in touch today
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
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