WINNER · 2026
Melbourne finance brokers, established 2010
Get the structure right, not just the rate.
From a first home or refinance to $10m+ property portfolios, commercial facilities and development funding, Opulent Finance brings senior lending judgement across major banks and specialist lenders, with private-bank pathways for qualifying clients.
Short assessment. No documents, no credit check. You choose how and when we contact you.
2010Established
$1B+Lending settled
50+Lenders through our lender and aggregator network
PremiumBroker status with leading banks
97.5%Client retention
Settled with in the last twelve months
Commonwealth Bank, NAB, ANZ, Macquarie Bank, HSBC, Bankwest, Bank of Melbourne, NAB Commercial, La Trobe Financial, Firstmac, Plenti, People First Bank, Hume Bank, ASCF, AFG Home Loans
Lenders are accessed through the AFG lender and aggregator network. A broker is not accredited with every lender on the panel.
Industry recognition
Recognised across the years.
Brokerage and team recognition · 2020–2026.
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WINNER · 2025 · VIC/TAS
Best Finance Brokerage (Office)
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WINNER · 2025 · VIC/TAS
Best Loan Administrator
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FINALIST · 2026 · VIC/TAS
Mentor of the Year
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FINALIST · 2025 · VIC/TAS
Mentor of the Year
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FINALIST · 2025 · VIC
Top 50 Individual
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FINALIST · 2025 · VIC
Industry & Community Broker Group of the Year
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FINALIST · 2025 · VIC
Best Loan Administrator
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FINALIST · 2024
Top 50 Individual Broker
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FINALIST · 2023
Top 50 Individual Broker
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FINALIST · 2020
Top 20 Individual Broker
11 recognitions
Full recognition history
Start here
What are you trying to do?
Choose a pathway. The assessment is short and the questions change to suit it. A broker then contacts you at the time and by the method you select.
Enquiries above $10 million go to Ian Webbe, Mortgage Development Manager, from the first conversation.
The Opulent Portfolio Review
For portfolios above $10 million, a review before a recommendation.
Most portfolios have grown one loan at a time. The Portfolio Review looks at the whole position, every facility, every entity and every income source, and shows what a private-bank or specialist structure would change. Sometimes the answer is fewer lenders. Sometimes it is keeping facilities apart on purpose.
What you receive
- Facility mapEvery facility, lender, rate, security and term in one view, so the position is visible before it is changed.
- Serviceability, lender by lenderAssessed the way each lender type actually assesses it, including rental, company and trust income.
- Structural optionsSeparating owner-occupied and investment debt, aligning facilities to entities, releasing equity, and where consolidation helps and where it does not.
- Indicative pricing analysisWith fees and costs shown, and the trade-offs explained, before anything is lodged.
Enquiries above $10 million go to Ian Webbe, Mortgage Development Manager. The review is prepared under Dayan Kasturiratna and discussed with you before any application is lodged. All lending remains subject to lender assessment, valuation and documentation.
Illustrative scenario
Restructuring a substantial portfolio
- Properties
- 12
- Indicative portfolio value
- $18.4m
- Existing lending, 9 facilities, 3 lenders
- $8.9m
- Proposed total facility
- $11.9m
- Indicative post-transaction LVR
- ~65%
- 0.60 point reduction on the refinanced balance
- ~$53,000 a year
Illustrative scenario. Figures and circumstances have been changed and combined from internal finance briefs. This is not a client result, approval, quote or promise. Finance remains subject to lender assessment, valuation, documentation and applicable law. Saving shown before fees and other costs.
How the review works
Four steps, nothing lodged until you agree.
Step 1
Tell us what you are trying to do
A short assessment that changes with your pathway. No documents, no credit check, nothing to upload.
Step 2
We gather the position
With your agreement, we collect the facility and income detail we need, using your existing statements where we can.
Step 3
We assess across the panel
Lender by lender and entity by entity, the way each lender will see it, across our lender and aggregator network.
Step 4
We present, you decide
A written view with options, costs and trade-offs. You choose how we contact you, and if you choose email only, that is what you get.
Director-led
Start a finance review
Lending judgement that has seen the whole cycle.
Dayan Kasturiratna, Founder and Director. Australian Credit Representative 394747, under Australian Finance Group Ltd, ACL 389087.
Opulent Finance was established in 2010 and is led by its founder, a chartered tax adviser and finance specialist. The work is structuring: how debt is held across entities, how income from different sources is treated, and which lender will see a complex position the way it deserves to be seen.
That is why the practice moves comfortably from a first home in Burwood to a portfolio facility above ten million dollars.
Premium Broker statusWith leading banks
Established 2010Melbourne finance brokers
Burwood, Victoria22 Harker Street
Specialist lending
Where structure matters most.
Medical professionals
Lending pathways that recognise professional income, practice structures and the way lenders treat them.
Explore medical lendingStart an assessmentSMSF lending
Credit assistance for self-managed super fund property lending. We do not advise on whether to establish an SMSF or invest through super.
Explore SMSF lendingStart an assessmentSelf-employed and low doc
Low-documentation options may be available, subject to purpose, product and lender requirements.
Explore self-employed lendingStart an assessmentPrivate, caveat and second mortgage
Short-term and specialist facilities for time-critical transactions, assessed on purpose, security and exit.
Explore private lendingStart an assessmentDevelopment and GRV
Construction and gross realisation value funding for developers and builders, backed by trading businesses or pure commercial.
Explore development financeStart an assessment
Google reviews
5.0196 Google reviews
What clients say.
Dayan and the team were approachable and knowledgeable, and always willing to help.Bich Thuy Nguyen on Google
Both were warm and friendly and always available.Melanie Georgiou on Google
I highly recommend Dayan and Lihini for their honest, professional, and reliable service.Varuni Wickramasinghe on Google
Gearing your future
Tell us what you are trying to do.
Short assessment. No documents. Contact at the time and by the method you choose.
