Our Services / Finance
A group of people working on reports together using calculators and tablets

Many mortgagees and investors simply do not have the time to keep up to date with ever-changing loan markets. Interest rates and lending criteria are constantly changing across banks and other financial institutions. From refinancing to debt and mortgage reduction, VSMA has you covered on all fronts.

A hand stopping a row of dominoes from falling

At VSMA, we connect you with an expert to plan out simple and effective strategies to greatly improve your financial position and help you eliminate your debt once and for all. Our aim is to give you fundamental tools and knowledge to better manage your finances so that you stay out of debt forever and improve your wealth.

Australian notes and coins

Debt isn’t always a bad thing, especially when used strategically and intentionally to grow your wealth. This is known as good debt, and one of the key pillars to how we help our customers succeed in hitting their financial milestones.

A young lady looking stressed while looking at some bills

Strategic debt can be a vital asset in your financial toolbox, if used correctly. Unfortunately, debt gets the better end of most Australians, though it’s not always their fault. With the right team on your side, you can manage your debt by seeking the right education & team to help you do so.

A hand stacking coins in front of a model house

Obtaining a loan is a great way to fast track your life goals, but are you fully aware of how to best manage that debt? As it stands, 9 out of 10 Australians rate household debt as a problem for the nation.

Someone with a model house on their desk using a calculator

Most borrowers would like to have their loan paid off and become debt free as soon as possible, and for good reason. After all, mortgage repayments stand as the largest monthly household expense in an average Australian household.

What we offer

Credit Rating
Let’s get you back in control of your finances. Schedule a call with one of our friendly team members and we'll be in touch to discuss the right course of action for you.
Book a free consultation
We help you find the best deal and make it easy to transition to a new bank or financial institution. We help you get out of your banking rut in a seamless and streamlined fashion.
Selecting the right financial institution is important, but many disregard the structure of their loans. These influence a variety of things, from flexibility, tax effectiveness, account keeping and more. We will ensure your loan is structured correctly for your current situation but also with consideration for your future goals.
VSMA provides you with a specialist to get advice for a new loan, or for refinancing an existing loan. With our network of fully accredited lending professionals, we ensure credibility and reliability.
Book a free consultation
A calculator

Want to calculate your loan repayments?

Use our free calculator to find out how you can save money
Calculate LoaN Repayments
Calculate Loan Repayments


VSMA have been a lifesaver for myself and my husband Ben. A few years ago we connected with Sam and the team. They instantly made us feel so welcome and understood our financial situation. Sam is such a warm hearted human, with so much knowledge. He connected us with organisations that assisted us with our taxation, superannuation & brokers. Five years on, we now have our own home and two investment properties. We could never have done this without VSMA, Sam and his amazing team. Thank you so much 🌟
kim gardner
We have been with VSMA for around 5 years now and are extremely impressed with their professionalism, care and attention to detail. They continually ‘check in’ with us and ensure we have the best interest rates and are happy with everything. I cannot recommend them highly enough. But most importantly, they are really nice people.
Karen Brooks
We couldn't recommend VSMA enough. Sam and the team have been exceptional every step of the way during our investment journey.
Sven Edquist
VSMA gave really good advice and were able to back it up with data. I’d highly recommend the team to anyone trying to get somewhere in this crazy world.
Matthew S
VSMA have been absolutely brilliant. Great customer service and proactive communication which is exactly what you want from folks helping you with financials. The team is dedicated and always willing to help answer all questions.
Vajira Suriya Hena
Both my partner and I were new to the investment property market and VSMA assisted us greatly in purchasing our investment property. The attention to detail and friendly customer service made the whole process effortless and we felt extremely supported. We would highly recommend having a chat with the VSMA team.
Sarah Calafiore
The team at VSMA led by Sam were and continue to be amazing. Their network, market intelligence, financial advice made our experience of purchasing property stress free. My only regret is not meeting the team earlier, highly recommend.
Jani Suric
We are very happy we worked with VSMA to get our first investment property. The process was made easy through VSMA’s connections with all the essential people. Their guidance has given us confidence to continue expanding our property portfolio.
Emma Joyce
Can't recommend the team at VSMA enough. They advised and helped us buy a investment property to help pay off our mortage and we're 2/3s of the way there after 2 years. Thanks Sam.
John Kordic
VSMA are amazing. They have not only taken us step by step through the whole investment process. But they have helped us make the most of our money in all areas. We are so much better off because of them and we can't thank them enough.
Jasmine Bibby

We make finance easy to understand

Ready to get on top of your finances? Fill out the form and let’s build a brighter future for you and your family.

'Til Debt Do Us Part
1300 00 VSMA

9am-5pm (Monday to Friday)
Contact Form
We will contact you within 1 business day

Other Services

Tax Minimisation

At VSMA, we have a specialised network of referral partners, who are Registered Tax Agents, who can assist you in understanding all your tax benefits and help you know your numbers in order to claim all the benefits you’re actually entitled to.


Securing the best home loan for your needs allows you to pay off your debt faster and helps in establishing a solid foundation for your future.

Money Management

Are you frustrated about not being able to save or worn out by the stress of week-to-week living? Mortgage, rent, groceries, petrol, car payment, medical bills, credit cards, utilities, school fees…we’re sure you can think of more!

Investment Strategy

Keeping up to date with investments can be time consuming and overwhelming. Our team of property specialists and portfolio managers help you identify opportunities that build you wealth while you sleep.

Financial Planning

VSMA have access to a team of experienced financial professionals that are committed to providing everyday Australians with the level of attention and service required to effectively manage your finance process.

Retirement Planning

80% of Australians retire on less than $17,000 per year and still carry a debt throughout retirement. We give you the tools and knowledge to stack the odds in your favour and secure a brighter financial future for you and your family. VSMA retirement planning in Melbourne.

1300 00 VSMA
Call us - we're available now!

Book a callback