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      <image:title>Home - Think Finance - Hi &amp; Welcome to Think Finance.</image:title>
      <image:caption>Knowledge is Power and we want to see you achieve your goals, buy that home, expand your business and achieve all the things you have set out to do.  We believe being educated and provided with the right tools and information will help you get there.</image:caption>
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      <image:title>Home - Think Finance - Think Finance was born with a difference…</image:title>
      <image:caption>We are Finance and Mortgage Brokers here to help you purchase your first home, investment property, upgrade or renovate.</image:caption>
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      <image:title>About - Meet Kym (Founder of Think Finance)</image:title>
      <image:caption>Kym Alexander is the founding owner of Think Finance and she is passionate about helping you save and grow wherever you can.  She continues to review your situation after your loan has settled and monitor your state of affairs. You are not left on your own, you are able to continue to do what you do best, while she takes care of your finance needs.  Reviewing your loans regularly is extremely important. This could see extra interest going back into your pocket, enabling you to pay down your home loan faster, or use that same money to buy that car or go on that dream holiday you’ve always been thinking of.</image:caption>
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      <image:title>About</image:title>
      <image:caption>EDUCATIONAL WORKSHOPS: We are passionate about educating YOU on the most suitable financial options available to you. Think Finance run educational events for groups.  We cater to groups of all sizes, whether it be an at-home event for friends and family to a large seminar at your workplace.  Simply tell us your approximate numbers and we will tailor the event specifically to your audience.</image:caption>
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      <image:title>About</image:title>
      <image:caption>COLLABORATION IS KEY: We work closely with Builders, Real Estate Agents, Accountants, Financial Planners, Insurance Brokers and many other services and professionals so you will be connected with the right people to help you. Our knowledge and services come recommended, referred to and sought after by many professionals we’ve collaborated with.</image:caption>
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      <image:caption>PERSONALISED &amp; TAILORED: We know that not everyone has the same goals, dreams, desires and needs. We strive to create professional and respectful relationships with our clients to help you achieve YOUR FINANCIAL DREAMS!</image:caption>
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      <image:title>About</image:title>
      <image:caption>OPTIONS &amp; TRUST: With almost 20 years experience in the industry ranging from Property Conveyancing to Investment Strategies to Mortgage Brokering, we’re confident &amp; passionate about what we do. We also have over 30 Lenders on our panel to choose from.  We believe it is our job and our responsibility to do the required research on your behalf (without affecting your credit score) - to find the most suitable finance solution for you, based on your needs, requirements and your plans for the future.</image:caption>
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      <image:caption>Think Finance run educational events for groups.  We cater to groups of all sizes, whether it be an at-home event for friends and family to a large seminar at your workplace.  Simply tell us your approximate numbers and we will tailor the event specifically to your audience. To learn more, or to make a booking, head here.</image:caption>
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      <image:caption>We tailor to your group size &amp; profession. Educating &amp; helping others is our passion!</image:caption>
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      <image:title>Finance for Professionals - The Finance Advantages in your Professions:</image:title>
      <image:caption>Tailored to:  The Medical Professions, Accountants &amp; Legal Industry. Topics Covered in Workshop: Everything you need to know about Lending in your profession  Major Advantages and selection criteria for both Residential and Commercial Purchases  What the Banks want to see  Using an SMSF Loan to your advantage  The latest major changes in finance &amp; lending  Mandatory credit reporting changes  How Tax Debt is treated Funding business purchases and commercial property  Top Challenges faced by SMEs How the banks read your Financials</image:caption>
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    <lastmod>2025-11-09</lastmod>
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      <image:caption>Tailored to: Home Owners, Home Buyers, First Home Buyers, Business Owners. Topics Covered: The Latest Major Changes in Finance &amp; Lending  Mandatory Credit Reporting now in &amp; how you may improve or fix your credit score What the Banks want to see and how your loans are now assessed  Credit Crunch – why it’s harder to borrow and what you can do about it The Risks of borrowing with 1 Lender Cracking down on Living Expenses  Why it is so important to review your loans every few years Good -v- Bad Debt Over Exposure &amp; Risk with Lenders  Benefits &amp; Pitfalls of fixed, variable, interest only, split loans, &amp; offset accounts and current interest rates</image:caption>
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    <lastmod>2025-11-09</lastmod>
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      <image:title>First Home Buyers - 3 Key Options to purchase your First Home &amp; Top Tips:</image:title>
      <image:caption>Tailored to: First Home Buyers. Topics Covered: What is Genuine Savings and Non-Genuine Savings Can I borrow without having a 5% deposit Am I eligible for any government grants What will it cost me to purchase – have I taken everything into account  Where should I start and who should I talk too  How does a Family Guarantor Loan work Can I buy with someone other than my partner (i.e. sibling who is also a first home buyer)  What is the different between Credit Advice and Financial Advice Do I need to set a budget What is LVR (Loan to Value Ratio) How does LMI (Lenders Mortgage Insurance) work and what does it cost What will the interest rate be How much can I borrow How long will it take Which bank is better Should I get a pre-approval Will a broker affect my credit score more or less that going to a bank direct What can I do to get in sooner How to set yourself up for success</image:caption>
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    <lastmod>2025-11-09</lastmod>
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      <image:title>Renovating - Do’s &amp; Don’ts of Renovating:</image:title>
      <image:caption>Tailored to: Tradies, Experienced or Novice Renovators, Builders, Real Estate Agents Topics Covered: Why a renovation loan is different  Structural Renovation -v- Non-Structural Renovation Loan Some lender won’t do construction loans – how can I ensure I don’t apply with one of them How do I set my loan up for a successful renovation Why getting my finance structure right is so important How can I save time &amp; money with my loan How can I set my budget, who should I speak with How do I set myself up for unexpected expenses Why having the right team: Real Estate Agent, Accountant, Builder, Insurance Brokers so important to my success in renovating Should I get a pre-approval How much can I borrow Should I get an upfront Valuation and what will that cost Are the rates and fees higher with a renovation or construction loan</image:caption>
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      <image:title>Investing - What you MUST &amp; MUST NOT DO when Investing in Property:</image:title>
      <image:caption>Tailored to:  Investors, SMSF Owners Topics Covered: Getting your Finance Structure Right The Dangers of not doing your homework first  The Risk of Lending with 1 funder  Structuring SMSF Loans &amp; The Costs Associated  Why some Lenders cap you after 4-5 properties  When you become a risk for a bank Interest Only -v- Principal &amp; Interest loans Split Loans &amp; Interest Rates &amp; Buffers  In &amp; Out Costs to Consider  Getting a Pre-Approval Doing your homework first - how much can you borrow LVRs - what is the maximum I can borrow Post Code, Property &amp; Area Restrictions</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/upgrading-your-home</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e41f44b6dfcf64f5925db06/1582512636181-7FPC7QFEFHHSDU0JDIXZ/Upgrading+your+home+with+think+finance+workshops</image:loc>
      <image:title>Upgrading your Home - Upgrading or Moving to Your New Home:</image:title>
      <image:caption>Tailored to: Home Owners looking to Upgrade their Principal Place of Residence  Topics Covered: What is Loan Portability and when can I use it How much can I borrow How long will this take Do I need a pre-approval What does the bank want to see How can I prepare myself for success and improve my chances of getting a loan approved Will a missed payment or late payment affect my next purchase  What has changed since my last purchase or loan application  The latest major changes in finance &amp; lending  Mandatory Credit Reporting now in &amp; how this is affecting your credit score Over Exposure &amp; Risk with Lenders Cracking down on Living Expenses  Benefits &amp; Pitfalls of fixed, variable, interest only, split loans, &amp; offset accounts and current interest rates Why it is so important to review your loans every few years</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/grow-my-business</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e41f44b6dfcf64f5925db06/1582512875647-DYFFZTB3SYIH40KWT5FJ/its+time+to+grow+my+business+workshop+with+Think+Finance</image:loc>
      <image:title>Grow my Business - Its time to Grow My Business!</image:title>
      <image:caption>Tailored to: Business Owners with a 2 year ABN &amp; GST Registration  Topics Covered: Top Challenges faced by small business owners Working capital &amp; Invoice financing Car &amp; Equipment Loan tricks from dealerships  Business Loans – how they can help and what they can be used for Do I need collateral  What will be banks ask me for Will applying for commercial finance affect my credit score</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/accountants</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e41f44b6dfcf64f5925db06/1582513225351-HSL48W03P3ERF3NK616L/Think+finance+workshop+for+accountants</image:loc>
      <image:title>Workshop for Accountants - Help your Clients Grow, Expand &amp; Save | How Banks Assess Financials | Refinancing ATO Debt &amp; SMSF Lending:</image:title>
      <image:caption>Tailored to: Accountants  Topics Covered: Refinancing ATO Debt options SMSF Lending case study Breaking down how Banks read Financials and what they will/won’t take into account Major Advantages and selection criteria for Accountants, Lawyers &amp; some Medical Professions in both Residential and Commercial Purchases  The Risks of borrowing with 1 Lender Mandatory Credit Reporting Changes  Business Lending Opportunities for SMEs  Options to improve your credit score Awareness of over exposure and risks with a single Lender  Current Rates and Products  Credit Crunch – why it’s harder to borrow Top Challenges faced by SMEs Insolvency, ex-bankrupts &amp; clients with defaults – can they borrow again</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/credit-issues</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e41f44b6dfcf64f5925db06/1583355872894-K1RG8OTDIZ3WES6K30QC/getting+a+loan+after+credit+issues+bankruptcy+Think+Finance+Australia</image:loc>
      <image:title>Credit Issues - Getting Finance after a Default, Low Credit Score, being an Ex-Bankrupt.</image:title>
      <image:caption>Tailored to: Previously Impaired, Ex-Bankrupt, Current Defaults Topics Covered: Can I (or when can I) apply for finance Can I improve my Credit Score after a previous impairment My credit file is wrong – can I fix it I have done an internet search and I am getting different credit scores – why &amp; which one counts Where can I go to get my correct credit score and what does it cost Will a missed payment or late payment affect my next purchase Will ATO Debt affect me borrowing Mandatory Comprehensive Credit Reporting now in play and how this is affecting your score Will my interest rates be higher with impairments Case Studies presented To view more of our Workshops, click here.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/creditcard</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/savings-calculator</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/rent-vs-buy-calculator</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/interest-only-calculator</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/feedback-and-complaints</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
  </url>
  <url>
    <loc>https://www.thinkfinance.loans/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
  </url>
</urlset>

