About Us

Trusted. Personal. Bilingual.

Meet the broker behind B3 Finance and learn how we work with you from first conversation to settled loan.

Trang - B3 Finance Mortgage Broker
About B3 Finance

Trusted. Personal.
Bilingual.

B3 Finance was built on one belief: getting the right loan shouldn't be stressful or confusing. After seeing too many people navigate lending alone, I decided to do things differently.

As an ACL Representative (552133) under the Finsure network, I combine personal service with access to 30+ lenders across residential, commercial, and specialised products.

I work with first home buyers, investors, families, self-employed professionals, and businesses across Melbourne. Fluent in English and Vietnamese, I'm proud to serve both the broader Melbourne community and the Vietnamese-Australian community.

I've built strong lender relationships across the panel — and that translates to better rates, faster approvals, and a smoother experience for my clients.

✓ Integrity ✓ Expertise ✓ Efficiency ✓ Bilingual ✓ Community
Our Process

How We Work

From first chat to settled loan — here's exactly what to expect when you work with B3 Finance.

1

Free Consultation

We start with a no-obligation call to understand your goals, income, deposit, and timeline. We'll identify your borrowing power and flag anything that could affect your application early.

2

Document Gathering

We give you a personalised checklist of exactly what's needed — payslips, tax returns, bank statements — and guide you through it step by step. No chasing, no confusion.

3

Loan Strategy & Pre-Approval

We compare your scenario across 30+ lenders, selecting the best fit for your rate, policy, and structure. You get a clear recommendation and we obtain your pre-approval.

4

Application Submission

We prepare and lodge your full application, handling all lender communication and paperwork on your behalf. You stay informed — without getting buried in admin.

5

Approval & Settlement

Once approved, we coordinate with your solicitor, real estate agent, and lender to ensure a smooth settlement. We track every condition and keep everything on schedule.

6

Ongoing Support

We don't disappear after settlement. We review your rate annually, reassess as your life changes, and are always available when questions come up — years down the track.

Why B3 Finance

Why Choose Us?

We're not tied to one bank's credit policy — and that matters more than most people realise.

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Multi-Lender Access

Different lenders assess income, expenses, and risk differently. We position your application where it's most likely to succeed — not just where it's easiest to submit.

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Strategic Structuring

Loan structure affects your tax, cash flow, and future borrowing power. We look beyond approval — at offsets, splits, and how this loan fits your bigger financial picture.

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Ongoing Support

We check in post-settlement, review your rate, and reassess as your life changes. Most people stay in the same loan too long — we make sure you don't have to.

The Difference

B3 Finance vs Going Direct to a Bank

What you getB3 FinanceBank Direct
Access to multiple lenders & products✓✗
Helps with complex income (self-employed, SMSF)✓✗
Negotiates on your behalf✓✗
Pre-approval without hard credit check✓✗
Free service (paid by lender)✓✓
Bilingual service (English & Vietnamese)✓✗
Post-settlement rate reviews✓✗

Ready to Get Started?

Book a free 15-minute call and let's find the right loan for your situation.

Book a Free Call →
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