What We Do



We deliver quality advice that adds value to our clients lives and enables them to make better decisions. The purchase of a property is usually the beginning of long term wealth creation for most Australians. We help them pay off their home loan debt faster and we link them with professionals who can provide strategies to build wealth and  protect their assets. We take the time to understand our clients and their goals and we build plans to help achieve them.


Yes we have access to a large range of lenders like most Brokerages however we provide structural help that only comes with experience and education. We consult with Accountants and Solicitors to ensure our clients have appropriate lending facilities that are flexible, tax effective and which provide adequate asset protection. We also guide them through the huge range of options with a detailed recommendation statement and then we manage the process (and all parties) from application through to settlement and beyond.

Karl Bower is an authorized Credit Representative no. 431579 of Vow Financial Pty Ltd (ACN 138 789 161), Australian Credit Licence no. 390261

Our Office —
Level 5, 171 Collins Street
Melbourne VIC 3000
1300 001 801