How many lenders does Tesoro compare?

Finance is structured across a panel of more than forty lenders, covering offset, equity release and portfolio lending. A single-lender view can only tell you the best product that lender has; a panel tells you whether it is competitive.

What does the finance process involve?

Three steps. Discovery, where a broker gathers everything required end to end. Qualification, where you are qualified with multiple institutions to find the best available rates, terms and structures. Settlement, where every step and all correspondence is managed so the process stays off your plate.

Can I work out repayments before applying for anything?

Yes. The amortisation calculator shows how each repayment splits between interest and principal across the term and what the loan costs in total, and the rent-versus-buy calculator shows the year owning overtakes renting. Both are illustrative projections, not a credit quote.

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Service 03 · Finance

Finance Solutions

Tailor-made finance and mortgage solutions, structured around you.

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Important Information

Tesoro Property Group Pty Ltd has operated from Melbourne since 2018. Calculator outputs on this page are illustrative projections, not financial advice or a credit quote.

The Process

We look after the financials so you don't have to

Our panel of highly experienced mortgage brokers manages the entire process, so our clients never have to face the worry or the stress.

Discovery: Our panel of experienced brokers meets with you to gather all of the required information, end to end.
Qualification: We qualify you with multiple financial institutions to find the best possible rates, terms and structures available to you.
Settlement: We manage every step, including all correspondence, so the entire process stays off your plate.

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Mortgage Amortisation

Watch your loan shift from interest to equity

In a mortgage's early years, most of each repayment is interest. Enter your loan to see how the split moves toward principal over the term, and what the loan costs in total.

Loan amount ($)

Interest rate (%)

Loan term (years)

Principal paid
Interest paid
Balance remaining

Total interest paid: $695,029; Interest paid over the full term
Total cost of loan: $1,295,029; Principal borrowed + total interest
Monthly repayment: $3,597; Repayment each month

How this works

We calculate a fixed monthly repayment, then split each payment into interest (charged on the balance still owing) and principal. Early on most goes to interest; as the balance falls, more goes to principal. Assumes a fixed rate for the full term and a principal-and-interest loan — it excludes fees, offset accounts and any rate changes.

Illustrative only — not financial advice.

Rent vs. Buy

When does owning overtake renting?

Renting costs less upfront, but owning builds equity. Enter your figures to see the cumulative cost of each path and the year buying pulls ahead.

Purchase price ($)

Deposit ($)

Interest rate (%)

Weekly rent ($)

Time horizon (years)

Cost of renting
Cost of buying

Total rent paid: $531,929; Cumulative rent over the horizon
Total ownership cost: $81,954; Net ownership cost over the horizon
Break-even year: Year 3; When buying becomes the cheaper path

How this works

We compare the cumulative cost of renting against the net cost of owning — upfront purchase costs, loan interest and holding costs, less the property's appreciation. Your deposit and principal repayments are deliberately not counted as costs: that money becomes home equity you recover when you sell, so including it would overstate the cost of buying. Rent is assumed to grow each year.

Illustrative only — not financial advice. Assumes 3% p.a. rent growth, 4% p.a. property growth, 1.2% p.a. holding costs, 5.5% upfront purchase costs and a 30-year loan term.

Common Questions

The things people ask first

How many lenders does Tesoro compare?: Finance is structured across a panel of more than forty lenders, covering offset, equity release and portfolio lending. A single-lender view can only tell you the best product that lender has; a panel tells you whether it is competitive.
What does the finance process involve?: Three steps. Discovery, where a broker gathers everything required end to end. Qualification, where you are qualified with multiple institutions to find the best available rates, terms and structures. Settlement, where every step and all correspondence is managed so the process stays off your plate.
Can I work out repayments before applying for anything?: Yes. The amortisation calculator shows how each repayment splits between interest and principal across the term and what the loan costs in total, and the rent-versus-buy calculator shows the year owning overtakes renting. Both are illustrative projections, not a credit quote.

Selected Projects

Carefully selected, thoroughly researched

We hand-pick properties after exhaustive research, ensuring our clients receive the maximum benefit from every investment.

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Images marked “Artist’s impression” are computer-generated renders. Finishes, fixtures, landscaping and surrounding properties are indicative only and may differ from the completed build.

Inside the Portfolio

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Images marked “Artist’s impression” are computer-generated renders. Finishes, fixtures, landscaping and surrounding properties are indicative only and may differ from the completed build.

Private Client Access

Ready to start your journey with Tesoro?

Book a ninety-minute private consultation, or look through the current portfolio first. Either way, there is no obligation and no sales call afterwards.

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Melbourne · Sydney · Brisbane