We use our heads so you don’t have to

Buying a home is one of the biggest financial decisions you’ll ever make. We take that responsibility seriously. If you’re a first time homebuyer, be guided through the entire process from budget setting for your deposit to the keys being handed over.


Maybe you’re looking at an investment property and want to chat about a loan? We have mates in all the right places and can sort you and your home loan out minus the stress and time it’d take to do it yourself. Home buying can be a ruthless process and you’ll know we’re in your corner, supporting you the whole way, providing advice… or beers… whenever you need.

Our Services

  • First home buying

  • Home loan finance

  • Mortgage refinancing

  • Investment property loans

  • Construction loans

  • Development finance

  • Self-employed home loans

  • Bad credit home loans

Toby and the team at Wealth Effect Group / WE Mortgage Solutions gave me tremendous service and support to get finance for our new family home in Williamstown, and package in some other tricky interest-only loans as part of the re-financing. With the banks being difficult and the rules changing seemingly daily, Toby calmly and expertly took us through what we needed to do to get the green light, and we couldnt be more pleased. Highly recommended, call these guys and they'll sort you out!

Mark Ritchie - Director Work Place Wizards

Contact Me

102/103 175b Stephen Street, Yarraville, VIC 3013

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The Financial Collective

Wealth Effect Group is an Authorised Representative of Boston  Reed Ltd ABN 89 091 004 885, AFSL 225738

“Andre Dirckze (AR 395157) and Beth Lavelle (AR 1238693) and Deborah French (AR 1271304) and Wealth Effect Group (CAR 424768) are authorized representatives of Boston Reed AFSL 225738 ABN 89 091 004 885”

As part of our continuing commitment to client service, the maintenance of client confidentiality and as required by law, Boston Reed  Limited complies with the Privacy Act 1988.


Wealth Effect Pty Ltd ATF Wealth Effect Unit Trust. ABN: 78 766 858 328  trading as WE Mortgage Solutions as an Authorised Credit Representative of BLSSA Pty Ltd Australian Credit Licence Number 391237,  Authorised Credit Representative :480612.

Privacy Statement

Any advice in this website is of a general nature only and all case studies are for illustrative purposes only. Please seek advice tailored to your own personal circumstances before acting on this information.

connect@thefinancialcollective.com.au  |   Level 1, 102/103 175b Stephen Street, Yarraville, VIC 3013

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