Home Loans

Loans and the interest we pay on them are one of the most important parts of our financial management. But not all loans are the same. If you ask a lender what loan you need, they will probably try to sell you the loan they want you to have. Mortgage brokers are not bound to only offer loans from one lender – they compare loans from several lenders to ensure that you are getting the very best deal.

The right loan makes all the difference. Even a small reduction in the interest rate can add up to many thousands of dollars over the life of a loan.

Our mortgage broking service helps you choose the right loan from a wide range of lenders. This means that you can be confident that the loan we recommend is the one that you most need. And we don’t just advise on loans. We handle all of the administration related to the application and establishment of your individual lending portfolio.

Our service gives you the best chance to get the loan you need at the price you want.

If you’re wondering how much you can borrow and what the loan repayments might be, and what the purchasing costs are such as Stamp Duty, then get started by using our great range of Financial Calculators.

Heinrich Jacobs

Senior Financial Adviser

Heinrich is the Managing Director of Lightbulb Wealth Management and is responsible for leading the firm to execute its strategic objectives, while ensuring the firm’s high standards of client care are maintained.

Heinrich specialises in providing comprehensive advice to a wide range of clients, from affluent and high net wealth individuals and their families, executives, business owners, athletes, non-for-profit organisations, retail clients, through to self-funded retirees.

Heinrich assists his clients with a range of financial planning, investment and advisory services including investment selection, asset allocation, portfolio management and reviews, estate planning, trust advice, residential and commercial lending, and superannuation strategies including self-managed superannuation establishment advice and administration services.

Before founding Lightbulb, Heinrich held a number of corporate management positions at the ANZ Bank and Suncorp Bank. At ANZ, Heinrich led and managed teams working across the retail, affluent, and institutional business segments of the bank with a focus on leading teams and providing strategic advice to clients with a focus on their wealth management, lending, investment, and cross border transactional banking requirements.

Heinrich is passionate about helping Australians grow and protect their wealth and is a strong advocate for advice and improving the client experience. He regularly speaks at industry forums including CPA chapter events.

Heinrich holds a Master of Business Administration (MBA) from Southern Cross University, a Post Graduate Certificate in Management (Distinction) from the Australian Institute of Management, and a Diploma of Financial Planning.

Heinrich is a licensed Financial Planner AFP® and member of the Financial Planning Association of Australia, and a member of the Finance Brokers Association of Australia.

Outside of work, Heinrich enjoys spending time with his family. He is a former semi-pro tennis player with his claim to temporary fame being a straight sets loss against the former world number 3 and current coach of Roger Federer; Ivan Ljubicic.

Heinrich Jacobs is an authorised representative (1241405) of Lifestyle Asset Management Pty Ltd (AFSL 288421). Heinrich is also an authorised credit representative (475174) of Beagle Finance Pty Ltd (ACL 383640).