THE NEXT HOME STRATEGY CHECK
A clear, honest assessment of your upgrade position. No guesswork, no false promises — just a practical plan built around what you actually want from the move.
Find out what your current home could unlockHow the upgrade works ↓
THE REALITY
The house worked at the time. It was the right first step. But your life looks different now.
Maybe you need another bedroom. Maybe you want better schools. Maybe the kitchen no longer fits the way your family actually lives. Or maybe it's simpler than that: the house feels too small, too dark, too limiting — and you've been feeling it for a while.
Most people in your position don't stay put because they can't afford to move. They stay because they don't know exactly what they can afford. And not knowing feels riskier than doing nothing.
The gap between knowing you've outgrown your home and actually doing something about it can stretch for years. It doesn't have to.
Before you list a property. Before you attend an auction. Before you make an offer — you should know exactly where you stand.
That means three things:
Most homeowners walk into the market without answering any of these. We'll answer all three before you take a single step.
The Upgrader Triangle
Every home upgrade involves three things:
Here's the honest part: most buyers can strongly optimise two of the three.
You might get the ideal location and the perfect house — but the repayments will stretch you further than you'd like. Or you might get the location and the financial comfort — but the house will be smaller than you'd hoped.
There's no wrong answer. There's only the answer that's right for your family.
Our job is to help you name which two matter most, then build the finance around that decision.
Four pathways. One right answer for you.
Most certainty. You know exactly what you have to spend. The downside is timing — you may need to rent in between, or negotiate a longer settlement.
Make an offer conditional on selling your current home. Less pressure on timing, but your offer looks weaker to a vendor who has other options.
Avoid moving twice. Carry both loans for a short window while your current home sells. Higher short-term cost, but simpler logistics.
Turn the home you've outgrown into an investment. This only works if your equity and income support two loans — and if being a landlord fits your life.
Each path has trade-offs. We'll show you the numbers on all four so the decision is yours, not the market's.
Who you're working with
More than eight years in finance. More than five years as a mortgage broker. More than $100 million settled. Awarded as a leading new broker in Western Australia.
But the thing that actually qualifies me for this work isn't on a certificate.
I made this move myself. My wife and I bought a home we always knew was a stepping stone. It was the right call at the time. Years later, we upgraded to something genuinely larger — more sunlight, more space, room for us and the dog. The move delivered everything we wanted.
It wasn't a crisis. It was a plan.
That's the standard I hold for every client. Not urgency. Not panic. A calculated, intentional decision — made with clarity, backed by numbers, and moved at the pace that works for your family.
I don't sell loans. I sell clarity before commitment. Sometimes the right recommendation is to wait, refinance, or improve your position first. I'll tell you if that's the case.
When we sit down for your Next Home Strategy Check, you'll leave with:
No obligation. No pressure. Just the clarity you need to make a decision that's been waiting long enough.
What our clients say
Real reviews from Perth homeowners who worked with Tom.
Excellent and professional service from start to finish. Thomas Balnaves and team (InReach Finance) was incredibly helpful, knowledgeable, and responsive throughout the entire home loan process. Everything was handled smoothly and efficiently, making what could have been a stressful experience very easy. Highly recommend Thomas Balnaves.
Shanika De Alwis
Dealt with many brokers who told me every different reason I could not get approval, then I was put in touch with Tom at InReach. The best service I have ever received! He was thorough and professional the entire process and I am settling my home loan tomorrow. I cannot thank Tom enough for his efforts, he was confident the entire way through. The whole team at InReach are a credit, highly recommend.
Matthew Hartwig
Tom from InReach is a gun! I approached Tom with my finance enquiry after failing myself to find a lender as I was getting multiple knock backs due to my recent change of employer (less than 1 week). Tom jumped straight into it and provided me with a great option and a competitive rate. The process from then onwards was very straight forward and simple — no more than 24hrs and he was able to get the approval sorted. Thanks again legend!
Jason Tran
We have only positive things to say about Tom and his approach to helping us in financing our purchase. He went above and beyond, always responded to our questions, and made sure we understood all the ins and outs of the process. We are incredibly thankful to Tom and his team for their guidance and advice — this has been an excellent experience!
Tahlia H
Thomas Balnaves from InReach Finance helped us into our first home. He helped us navigate a process we had no experience with and made the whole process simple. Tom was easy to deal with, responded to queries quickly and was very knowledgeable. I would highly recommend him to anyone looking for a broker.
Daniel Harrop
I can't thank Thomas and InReach Finance enough for everything from the beginning itself. All the information, support and guidance we were provided was absolutely amazing. Thomas treats you as a friend and is extremely supportive and professional during the whole process of a home loan. All the follow up calls and emails were answered promptly and made the whole process smooth. I would highly recommend anyone to get in touch with Thomas and InReach Finance for any financing help or needs. Thank you Thomas for all your guidance and support for granting our first home loan. We will definitely use your service if required in future.
Bashanta Tamang
We couldn't thank & appreciate Thomas Balnaves enough for entrusting us & putting his reputation on the line — he wrote a letter of eligibility to help secure land for us to the land agent. During that time he hadn't even met us yet. Without a doubt, I would HIGHLY RECOMMEND Thomas. Not all brokers will go out of their way to help you like the way he did. We have had an amazing experience with him. Fast response, easy to communicate & willing to help wherever he can.
Zuriana Ismail
One word — amazing. From start to finish, Thomas was extremely professional, conscientious and punctual. He was able to answer the myriad of questions and provide guidance for the best lending outcomes, presenting multiple options to us as sellers, hastily and professionally. The entire process was handled swiftly and his customer service is the best that I have come across. Thanks Thomas for being a part of my property journey.
Rhys Hampson
Could not be happier with the level of service we have received from Thomas Balnaves at InReach Finance. The communication has been absolutely outstanding. We have genuinely appreciated the updates, advice and knowledge. If you're looking for someone who knows what they're talking about, is available and communicates clearly, then look no further.
Amanda
Thomas and his team have been a delight to work with, especially with the flexibility around communication methods as we prefer emails and have odd working hours. InReach is quick to respond and willing to answer any questions, giving us confidence in our home loan application. The whole process has been simple and easy. Thank you again.
Jyoserin L
Thomas was very patient and helpful throughout the process. He took his time to explain each requirement in detail. We never felt any hesitation at any point. Maria helped us with processing as well. Thanks Thomas and InReach Finance.
Chinmay Dandekar
Highly recommend Thomas Balnaves and the team at InReach Finance. They made the process easy and stress free. Thomas was amazing — he went above and beyond to ensure we got the best deal.
Jennifer Forgus
We had an amazing experience with InReach Finance. Thank you Thomas Balnaves for an outstanding experience working with you and your team.
Nancy Sapra
Thomas! Thank you so much for your support and service throughout this entire process. Truly appreciate you and your team — the transparency, tailor-made options, clarity paired with the stellar customer service and ultimate execution!
Tonde Haq
Excellent service! Positive, fast responses, reassuring, and explains all the information so I can understand properly. Thank you so much Thomas — I am now a proud home owner all because of the guidance and support you provide.
Samantha Taylor
We had Thomas from InReach help us with finances to build our first home. He went above and beyond to help us and always made sure we knew exactly what we were doing. Not only has he helped with our house, he is now the only person we turn to with any questions regarding our finances. We couldn't be more happy :)
Taylah Kirk
The move you've been putting off
Most people who upgrade tell us the same thing afterward: "We should have done it sooner."
Not because the timing was perfect. Not because rates were low. But because the house they moved into changed the way their family lived — more space, better mornings, room to breathe.
The numbers are only half the story. The other half is what's waiting on the other side.
Let's work out where you stand.
A 30-minute Strategy Check. No cost. No pressure. Just clarity.