About us
We provide practical, individualised mortgage support and clear lender communication so you feel confident at every stage.

Here to help you find the right finance solutions
At Collective Financial Solutions, our team is passionate about helping individuals and businesses find the right finance for purchasing residential and commercial property, investing, development, business assets and more. Based in Williamstown, Victoria, we bring together lending and property experience to help clients make informed finance decisions with greater clarity.

Helping You Build a Stronger Financial Future
LISA & SAM
Mortgage Brokers
| Phone: Lisa: 0418 174 003 Sam: 0437 987 417 |
Email: Lisa: lisa@ Sam: sam@ |
Lisa and Sam share a genuine passion for helping people build the best financial future possible. With extensive experience across real estate sales, property management and business development, becoming mortgage brokers was a natural next step in their careers.
By combining their property experience with comprehensive lending knowledge, Lisa and Sam help clients navigate their finance options with clarity and confidence. Whether you are buying your first home, purchasing your next property, refinancing or investing, they take the time to understand your goals and identify lending solutions suited to your circumstances.
Their attention to detail, warm personalities and client-first approach help make the finance process feel straightforward and well managed. From the initial conversation through to settlement and beyond, Lisa and Sam remain focused on delivering a positive experience and achieving the best possible outcome for every client.
Outside of work, Lisa and Sam are proud parents to three beautiful boys and enjoy making the most of family time together. Lisa also has firsthand experience in property development, giving her valuable insight into the opportunities and challenges involved in property-related finance.
Applying for finance does not need to feel exhausting or overwhelming. With Lisa and Sam by your side, you can expect professional guidance, clear communication and support at every stage.
Ready to explore your finance options? Contact Lisa and Sam today to book a complimentary finance consultation and take the next step towards your property and financial goals.
What can we help you with?
We offer comprehensive support for all your home loan and finance needs across a range of services. No matter who you are, our experienced team is committed to finding the right options tailored to your unique situation.
Common questions and answers
In addition to offering competitive rates, we pride ourselves on being available to help with whatever questions you have throughout the life of your loan. We don’t discriminate against first-time buyers or experienced investors – no matter who you are, we’re committed to being there when you need.
What does a broker do?
A broker is a finance professional who will work with you one-on-one to discuss your borrowing goals and help you determine how much money you can qualify for. They typically provide a more personalised level of service than you would receive from a lender and also have access to loans from multiple lenders, so they can find the best loan terms for your unique situation.
Do you charge fees for home or investment loans?
There are no extra loan repayments or fees when you take out a loan through a broker. A broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.
Is it more expensive to use a broker?
Using a broker is free for you because the lender pays your broker. With access to hundreds of loan products from various lenders, brokers will find the ideal loan for you and your circumstances. In most instances, this is a combination of the lowest available rate at the time and product features that are most convenient for you.
Some brokers charge service fees, which must be disclosed before they provide their services.
How much can I borrow?
While our borrowing calculator can give you a decent idea of how much money you may be able to take out, for a more precise assessment, please get in touch with our team. We can then go through your options with you and chat about your circumstances in further detail.
Should I go for a fixed or variable rate?
Just as the name suggests, variable-rate home loans have interest rates that change over time. They are often more flexible than other types of loans, with features like redraw facility and extra payment options. However, they do not have fixed repayment amounts.
On the other hand, fixed-rate home loans come with predictable monthly repayments – you will know exactly how much you need to pay each month for the entire duration of the loan term. These kinds of loans might not be as flexible in terms of features but offer borrowers peace of mind when budgeting repayments.
In choosing which type of loan is right for you, it’s good to weigh up what’s most important to you – whether that’s flexibility or certainty around your monthly repayments.
Which lenders do you work with?
Because we are connected to a mortgage aggregator, we have the privilege of being able to source loan options from over 50 different lenders. This means that we can help you find multiple suitable options for you and your specific situation.
Mortgage broker services across Melbourne
Although we service clients Australia wide, we offer specialised support in areas across Melbourne with lender access, home loan help and finance options tailored to our local community.











