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The trusted financial coach for Defence personnel

Whether you want to get the most out of your Defence entitlements, or need personalised tax, loan or real estate advice to grow your wealth, Spectrum can make it happen. We’ll help you save time and money by tailoring a solution that meets your unique needs.

We can help you:

  • Get on the property ladder
  • Find a quality investment property with high capital growth potential
  • Review your current loans to make sure they’re the right fit for you
  • Find the right home loan
  • Understand your Defence entitlements
  • Lodge tax returns

Our door is always open, so you’ll get expert advice every step of the journey.

Finance can be confusing. We’ll help you make sense of it…

Home Ownership

Make your property dreams come true. Spectrum will guide you through the buying process and help you get a loan.

Home Loans

We work with a wide range of lenders, so we’ll help you get the best loan for your unique circumstances.

Property Investment

Build your wealth and secure your financial future with our expert property investment advice.

Tax Planning & Advice

Want to reduce your tax bill? We know all the legitimate deductions and minimisation strategies you can use.

Defence Entitlements

Get the tax, finance and accounting support you need to maximise your ADF entitlements.

Resource Centre

Need more Defence-focused financial information? Get it in our resource centre.

How we help ADF personnel


We help ADF personnel make the right financial and investment decisions about:

Defence entitlements

Property (home and investment)

Borrowing and loan structures

Tax Planning

Through education our clients are empowered with the knowledge and understanding to make the right investment decisions for them. We visit all major Defence locations and provide No Obligation financial education presentations for groups and personalised individual appointments.

Personalised advice

One-size-fits-all financial advice is bad advice. So we work with you to develop a personalised long-term investment strategy based on your unique circumstances and goals.

Ongoing support

Stay on track with regular, ongoing reviews that help you maximise your potential.

Want to build your wealth?

How to build a property portfolio by the time you leave the ADF

Client Reviews

Parke Player
Parke Player
April 8, 2024
Maria was a wealth of knowledge regarding DOHAS loans. She was prompt and efficient throughout the whole process of getting approval for our home loan.
Yvette Jazz
Yvette Jazz
March 19, 2024
Maria was so helpful in my recent home purchase and highly recommend her. Having a mortgage broker took away some of the pressure of buying a property and knowing I was getting a good interest rate with my loan. Thank you!
Glen Forward
Glen Forward
January 4, 2024
Used these guys to buy our first property. Reid was an amazing help. They know all benefits and entitlements for defence members and take away a lot of the stress. Would recommend
Warrick Jones
Warrick Jones
November 19, 2023
I've been taking advantage of the Spectrum team's expertise and support since 2013. It is truly remarkable how they are able to provide such a detailed and personalised approach and always be looking for the best solution for my needs. Even when the market or overall circumstances change, they are already thinking two steps ahead and have already started the next step to get the outcome I needed. All the staff are willing to go above and beyond and provide you an education and solid guidance to really understand how to make your money work. I’ve been so pleased with what Spectrum have done and I madly tell everyone I can about this hidden gem of a business. I want to thank Mr Reid Swift and all the team there. I look forward to the next 10 years of this productive money investing relationship!
Goran Gorgievski
Goran Gorgievski
November 9, 2023
I have worked with Reid, Adrian, Maria and the team at Spectrum for many years. Not only have they assisted with my personal requirements, but they have also assisted many of our clients in a timely and efficient manner. I highly recommend the Spectrum team for all finance/investment solutions.
Graham Robertson
Graham Robertson
November 7, 2023
Throughout the process of refinancing our property, the team members at Spectrum Financial Solutions have all exceeded expectations. They are extremely knowledgeable, responsive and friendly. I could not recommend Reid, Harry and Ash more highly.
Izaak Gurney
Izaak Gurney
October 15, 2023
Maria and the team have done a great job support our home loan process, and would highly recommend them for anyone interested in applying for a loan. They have a great understanding of the DOHAS process, and accommodated all our questions (simple, complex or otherwise). Highly recommend for first home buyers!
Janna Darge
Janna Darge
October 14, 2023
Adrian and his team are definitely the people you need to make refinancing and purchasing property a breeze! Always contactable, you can never ask a silly question and they understand all your needs! Highly recommend 👌🏻
Sarah O'Connor
Sarah O'Connor
October 3, 2023
Maria was an absolute pleasure to work with! She was so knowledgeable, and really went above and beyond. Maria took all of the stress out of finding the best loan for us. Thanks to her my partner and I have our first home!

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