Welcome to Finance Lab

At Finance Lab, we take time to understand your finance requirements and make the task of finding you the right loan simple and easy, saving you time and money.

Understanding your future objectives ensures we develop the right strategy and provide you with the suitable options to make confident decisions.

We have direct access to credit managers and can also access rates many banks don’t advertise.

Why choose Finance Lab

With bank staff and branches often changing or closing, at Finance Lab we strive to build long lasting relationships with our clients.

We make the task of finding you the right loan simple and easy, saving you time and money.

Whether it’s your first home purchase or a refinance, a relocation loan, investment loan, development loan, commercial loan or even an equipment (car) loan, we’re here to help guide you through the entire process.

When dealing with Finance Lab you will also have direct access to a range of other professionals to assist in making your journey simple and successful.

Our services extend further than just being a Finance Broker.  Our team also has extensive experience in a range of other areas including property development, property investment, small and medium businesses and commercial property investment.

With our experience and knowledge of the banks’ credit policies, we take pride in achieving a very high success rate for loan approvals.

The Process

The process we follow:

  • Understand you and your finance requirements
  • Research finance options and possible structures
  • Negotiate the best rate and package for you
    (Did you know all major banks rarely advertise their best rates!)
  • Present you with a list of options
  • Guide you in making a correct and informed decision that meets your needs



We’ll initially gather some basic information and do a quick analysis of your ability to obtain finance.

We will also collect other information which may include bank statements, payslips or financials, and other income statements.  Our consultants will provide you with a detailed list of what is required.

First Home Buyers

Purchasing your first home is an exciting time and we’re here to answer ALL your questions.  Whether it’s wanting to know the deposit you require or how much you can borrow/afford, we’re here to help and will provide you with all the tools you need to make the right decision.

We can also assist by providing property and suburb reports in your local area to helping you negotiate the best deal.  Knowing what to put on the contract you sign is essential and we’ll guide you through the process.

Let’s talk Finance ….


Making a decision to move homes is a stressful time which can be made easier by speaking to us first.  We’ll assist in calculating the figures and the options you have available.  Knowing your figures before you sell your house is crucial and we’re here to help.

How you negotiate the purchase of your next house is also important.  Making the offer subject to the sale of your existing house could increase what you pay.  Depending on your situation, you may be able to make your offer stronger which could save you thousands.

Let’s talk Finance ….


If you’ve had your loan for more than 2 years, there’s a very high chance you are paying too much interest, especially on investment loans.  Banks often change their offerings and the savings could be significant.

We have access to tools to make this process as easy and simple as possible. We understand your time is valuable.

Let’s talk Finance ….


Being a property investor is like any other business.  You need to get your costs down as low as possible and increase your return.  The biggest cost in owning an investment property is the interest component.  We’ll provide you with the options available.

If you have equity in your current house, you may be in a position to purchase your first investment property.  Call us today to run through the figures.

If you’re a seasoned investor and have several investment properties, structure is very important. We work closely with your accountant to ensure we develop the right strategy to suit your future objectives.

Let’s talk Finance ….


Whether you’re building one house or an apartment block of 30 units, we’re here to help you along the process.  We specialise in running commercial tenders, ensuring you not only achieve a competitive rate, but you also have the right structure.  We often guide our clients through the whole process from Quantity Surveyors, Building Tenders, Building Contracts, Sales Contracts and Valuations.

Having the right team around you for development projects is crucial.  In the last 3 years we are proud to have financed development projects for over 130 dwellings.

Let’s talk Finance ….


To find out more, please call.

John Kefalianos
Finance Broker & Director

M: 0413 537 527
T: 08 8121 3076
E: johnk@financelab.com.au

(CRN: 366541 authorised under Australian Credit Licence No. 389328)

Emil Mavilio
Credit Specialist and Broker Support

T: 08 8121 3076
E: emil@financelab.com.au

Rania Votino
Credit Specialist and Broker Support

T: 08 8121 3076
E: rania@financelab.com.au

Brooke Bowden
Client Support Manager

T: 08 8121 3076
E: brookeb@financelab.com.au

Jaya Garcia
Broker Support and Administration

T: 08 8121 3076
E: jaya@financelab.com.au

Kelvin Sambrano
Broker Support

T: 08 8121 3076
E: kelvin@financelab.com.au