BUILDING YOUR FUTURE, TODAY

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At Matina Finance, we believe finance doesn’t need to be complicated. Whether you’re buying your first home, investing in property, or refinancing to save money, we’re here to make the process clear, simple, and stress-free. With years of property investing experience and a passion for helping clients achieve their goals, we combine real-world knowledge with personalised mortgage solutions. 

OUR SERVICES

01

Buying your first home or upgrading? We’ll guide you from pre-approval to settlement, making sure you secure the right loan for your needs.

Home Loans

02

Looking to grow your property portfolio? We’ll help you structure your loans smartly, maximise tax efficiency, and unlock future opportunities.

Investment Loans

03

Planning to build your dream home or investment property? We’ll connect you with the right lender and structure to support your project from start to finish.

Construction Loans

04

Looking to invest in property through your super? We’ll guide you through the complexities of SMSF lending to ensure the right strategy and compliance.

SMSF Loans

05

Need a new car, work vehicle, or equipment? We’ll source competitive finance options to help you get what you need sooner.

Vehicle & Asset Finance

06

Already have a loan? We’ll review your current mortgage to see if you can save money, lower repayments, or consolidate debt into a simpler solution.

Refinancing & Debt Consolidation

ABOUT MATINA FINANCE

Hi, I’m Frank Matina, the founder of Matina Finance.

My journey into property began at 21 years old when I purchased my first investment property while working multiple jobs to save the deposit. Through discipline, strategic thinking, and a long-term mindset, I’ve since built a property portfolio valued at over $5.5 million and secured my family’s dream home.

That journey is what shapes how I approach mortgage broking today.

I’m not just a broker — I’m also an active property investor navigating the same lending landscape as my clients. I understand firsthand how complex the process can be and how important it is to structure lending correctly from the beginning.

My role is to simplify those complex decisions, help you understand your options, and structure your loan in a way that supports both your immediate goals and your long-term financial future.

Because the right loan isn’t just about getting approved — it’s about building the foundation for financial security and freedom.

LEARN MORE

  • Step 1 - Discovery

    Let’s understand your vision. This begins with a conversation, not paperwork. We take the time to talk in person, over the phone, or via Zoom about your goals, whether that’s buying your first home, building an investment portfolio, or securing your dream home. We also look at your current financial position, your timeline, and your lifestyle plans, including family, business, and future growth. It’s about gaining a clear understanding of where you are today and where you want to be.

  • Step 2 - Strategy

    Build the plan before the property. This stage is about creating a clear financial strategy before you start searching. We calculate your true borrowing capacity, review the best structure for both the short and long term, and discuss deposit options and available grants if you’re eligible. From there, we map out a strategy that supports your goals. For investors, this means structuring for future growth and expansion. For first home buyers, the focus is on stability and building strong foundations. This is where clarity and confidence begin.

  • Step 3 - Lender Selection

    The right lender. The right structure. At this stage, we compare competitive rates and lending options, focusing on long-term flexibility to match you with the lender that best supports your goals, not just today but for your next move as well. Once the right option is selected, we secure a strong pre-approval so you can move forward with confidence.

  • Step 4 - Formal Approval to Settlement

    From “offer accepted” to keys in hand. Once your offer is accepted, we lodge your full application, manage the lender, valuation and documentation, and liaise with your conveyancer or solicitor on your behalf. Throughout the process, we keep you updated at every step, ensuring everything moves forward smoothly. No chasing banks, no confusion, just clear communication from start to finish.

  • Step 5 - After Settlement & Ongoing Strategy

    This is where most brokers disappear. I don’t. After settlement, we continue working together by reviewing your structure annually, monitoring interest rates, reassessing equity opportunities, and planning your next move, whether that’s upgrading, investing, or refinancing. Because one property isn’t the end goal, it’s just the beginning.

BOOK A CALL

  • "Exceptional service from start to finish. Clear communication, fast turnaround times, and genuinely had our best interests at heart. Made the whole process seamless and stress-free. Highly recommend to anyone looking for a knowledgeable and reliable mortgage broker!"

    - Kristin Minus
    ⭐️⭐️⭐️⭐️⭐️
    Google Review

  • "We honestly couldn’t have asked for a better broker. From our very first conversation, Frank made us feel completely at ease, taking the time to truly understand our goals, answer every question (big or small), and guide us through each step with patience and clarity. This was a massive comparison to prior brokers we had spoken to and worked with. What really stood out was how genuine and supportive Frank was throughout the entire process. Nothing ever felt rushed or transactional. Frank explained everything in simple terms, kept us updated consistently, and was always available when we needed reassurance or advice. His knowledge, professionalism, and calm confidence made what could have been a stressful experience feel smooth and manageable. We felt completely looked after and confident that we were in the best hands. Ultimately leading the purchase of our second property to feel so easy! If you’re looking for someone who is not only incredibly skilled but also warm, trustworthy, and genuinely invested in your success, we can’t recommend Frank highly enough."

    - Alex Palazzolo
    ⭐️⭐️⭐️⭐️⭐️
    Google Review

  • "Frank is an absolute gentleman, where other brokers couldn’t help he fought long and hard to get it over the line. His always contactable and very easy to talk to."

    Evan Tzoras
    ⭐️⭐️⭐️⭐️⭐️
    Google Review

  • "Had a great experience with Frank. He was extremely helpful, friendly, and always available whenever we needed him. He made the whole process easy and stress-free. Highly recommend his services!"

    - Anthony Failla
    ⭐️⭐️⭐️⭐️⭐️
    Google Review

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So our SMSF wealth play has started! 🚀 #SMSF #PropertyInvestment #Superannuation #WealthStrategy #RetirementPlanning MelbourneProperty FinancialFreedom MatinaFinance
The Aussie dream looks a little different today — but it’s still alive. 🏡 Every generation has felt that buying a home was out of reach. The reality is, home ownership has never been easy… it’s always taken planning, patie