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Welcome to Cultivate Financial

Planting the Seeds of Your Financial Future

Personalised mortgage and finance solutions, rooted in trust and tailored to help you grow.

Services

How We Can Help You

The right financial guidance can make all the difference.

Cultivate Financial is here to support you every step of the way.

We provide personalised mortgage and finance solutions designed to grow with your goals. Each recommendation is made with care, clarity, and long-term outcomes in mind to help you build strong financial roots. ​

 

Whether you’re preparing to buy a new home, looking to refinance and consolidate, or purchase a business or new asset, support is delivered with transparency and a steady hand so you can grow with confidence.

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Home Loan Advice & Applications

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Refinancing

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Equity Release

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Bridging Loans

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Construction Loans

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Loan Health Checks

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Business Lending

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Self-Managed Super Fund Lending

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Investment Property Portfolio

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Debt Consolidation

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Commercial Lending

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First Home Buyer Support

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Expat & Foreign Income Lending

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Budgeting & Readiness Guidance

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Asset & Equipment Finance

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Government Grant & Incentive Guidance

Helpful Resources

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Buying a home or managing a loan doesn’t need to be overwhelming.

Whether you're buying your first home or managing a growing portfolio, this page is packed with practical tools and guides to help you feel confident and informed every step of the way.

 

From loan calculators to finance jargon breakdowns, everything here is designed to make the finance side of things feel a little less daunting and a lot more doable.

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Loan Calculators

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Frequently Asked Questions

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Glossary of Financial Terms

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First-Home Buyer Checklist

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Download Our Contact Card

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Step-by-Step Loan Process Overview

Enquiry Form

Contact

(+61) 433 413 237

 

info@cultivatefinancial.com.au

Office 3552,

470 St Kilda Road,

Melbourne, VIC 3004

Please note:

We conduct in-person consultations from a serviced business space. Attendance at this address is strictly by prior appointment only.

 

All business correspondence should continue to be directed to this location.

Submitting Your Enquiry

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Copyright © 2025 Cultivate Financial Pty Ltd.  ABN: 78 688 841 607. Credit Representative 570932 is authorised under Australian Credit Licence 389328

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

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