DreamWealth Financial Strategists | Melbourne's Trusted Financial Advisors
Home to Australia’s #1 Financial Advisor
Financial advice and debt strategies for a better future.
With over 15 years of experience helping over thousands of clients, DreamWealth Financial Strategist
Tax-effective Investment Strategies
Maximise returns while minimising tax liabilities with smart, structured investment planning.
Secure tax-smart investments now!
Life & TPD Insurance
Secure your family's future with tailored coverage
Protect your lifestyle now!
Investment Property Loans
Expand your portfolio with flexible property loan solutions.
Fuel your property growth now!
ABOUT US
Why Australians Trust DreamWealth
Over 3,500 Australians choose DreamWealth Finance for tailored financial solutions.
Smart & Transparent Financial Plans
DreamWealth Finance delivers customised loans, investments, and wealth-building strategies with clarity.
Flexible Loan & Investment Choices
From home financing to property investments, we guide you toward long-term financial security.
Secure Wealth & Retirement Growth
Protect and grow your assets with expert insights on superannuation, refinancing, and investment strategies.
Trusted Finance Professionals
DreamWealth Finance offers transparent, personalised financial solutions—no hidden fees, just results.
Our Services
We Will Get You There
Whatever your ideal future looks like, we’ll help you make it happen.
Self-Managed Super Funds (SMSF)
Grow wealth with property investments in Australia.
Refinancing and Debt Consolidation
Reduce debt and secure better loan options today.
Trauma or Critical Illness Insurance
Protect finances with reliable illness coverage.
Retirement Planning
Secure a stress-free retirement with smart investments.
First Home Buyer Loans
Make homeownership easy with tailored loan solutions.
Stocks, ETFs & Managed Investments
Diversify wealth with expert-managed investment options.
Our PEOPLE
Meet the Strategist Working for You
Led by award-winning Adviser Dillon Samarathunga and, our lending strategists are here to guide you through your finance aqnd wealth creation journey – from your first consultation to post-settlement portfolio reviews.
Find out what makes our people different.
Dilon Samarathunga
Managing Director/ Principal Financial Strategist at Dreamwealth
Dillon S.
I am an experienced Financial Strategist that looks out for you and your family
BAppSc(Comp), GradDip(FP), MAppFin, CFP Principle Financial Strategist
1. Experienced Financial Strategist – Over 15 years in financial advising and 20 years in banking and finance.
2. Client-Centric Approach – Passionate about providing strategic financial advice in the client's best interest.
3. Holistic Financial Solutions – Collaborates with accountants, solicitors, lenders, and other professionals for comprehensive solutions.
4. Trust and Rapport – Builds strong relationships to understand client goals, dreams, and financial concerns.
5. Goal-Oriented Advice – Focuses on achieving long-term financial success, not just product-based recommendations.
6. Leadership in Financial Planning – Guides and supports clients with expert strategies for financial security.
7. Motivational Approach – Encourages clients to aim higher and take action on their financial goals.
8. Passion for Travel – Aims to visit 100 countries by 2030, having traveled to over 45 so far.
9. Healthy Lifestyle – Prioritizes fitness, running, and an active lifestyle with a supportive partner and toy poodles.
10. Lifelong Learning – Avid reader and trained in self-development, psychology, and investment strategies.
Talk To A Lending Strategist
Testimonials
Trusted by Leading Investors – DREAMWEALTH
Our clients reveal their stories of success and remarkable growth.
We’ve been clients for 6+ years and would like to express our thanks for the work you have done for us over those years.
Geraldine Robson
The Dreamwealth Financial stategists team provide a first-class service.
Advice, and planning is tailored to your life goals and needs and takes a holistic lens. We are extremely happy with Dreamwealth, and the leadership and expertise Dillon provides. Dillon and his team are flexible, responsive and will help guide you to achieve whatever goals are right for you.
The team are focused on customer experience and are very trustworthy to help with navigating the right financial strategy that is practical and fit-for purpose based on where you are in your life. Highly recommended.
Rebecca McParland
Dillon is a highly qualified and very knowledgable financial advisor who presents multiple options and recommendations for clients to consider without ever pressuring to go down any particular path. He is very friendly, approachable and able to explain things in common language. He certainly goes out of his way to keep in contact with his clients and responds promptly to questions as often as they require.I thoroughly recommend that anyone needing any level of financial advice no matter what their situation listen to what he has to offer in helping them define and realise their goals
Greg Roberts
Dreamwealth Advantage
Think Differently About Your Wealth Creation
The right financial strategy isn’t always the most complex.
It’s the one that supports your long-term objectives – and those look different for everyone.
A resilient investment portfolio that’s optimised for growth.
Enough passive income to fund your ideal post-work lifestyle.
A financial future secured for you and your family.
Whatever your ‘what’ looks like, you need a wealth strategist who can help you get there.
For thousands of Australians, Dreamwealth has been that trusted partner.
Find out how we can help you build your tomorrow.
Submit your Interest
Submit the form with your financial requirement
We will assist you soon with the best solution can receive in Australia
Frequently Asked Questions
If you decide to turn your home into an investment property – for example, because you upgraded to a new home or moved overseas – you’ll need to refinance and take out an investment loan instead.
While refinancing does have attached costs, like discharge fees, you might even save money by securing a lower interest rate (especially if you’ve accrued equity since you first took out your home loan).
A negatively geared asset has expenses (including interest expenses) that are greater than the income it produces. Negative gearing allows you to deduct the loss produced by the asset from other forms of income, which can help reduce your taxable income.
For example, if you had a mortgage on an investment property that costs you $600 a week to manage and maintain, but only produces $500 a week in income, that property would be negatively geared by $5,200 per year. You could then deduct $5,200 from your taxable income.
Negative gearing is generally most effective if you anticipate capital gains on your property when you sell. High appreciation (an increase in the asset’s value) can make the losses incurred through negative gearing worth it.
Generally, you’ll need a deposit equal to 20% of a property’s value (80% LVR) to take out an investment loan. While you can take out investment loans with a smaller deposit, your lender may require that you pay lender’s mortgage insurance (LMI).
Lender’s mortgage insurance (LMI) is insurance taken out by your lender to cover them if you are unable to pay back your loan. LMI is insurance for the lender, not you, but you’ll normally be charged a one-off LMI fee if your lender requires that LMI be taken out.
LMI is generally only required if there is a higher-than-usual risk of default. Typically, loans with an LVR above 80% will require LMI.
Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender). It’s expressed as a percentage and is often used during loan applications. The lower your LVR, the more likely you are to get financing.
For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.
In that case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.
Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher; you may be required to take out LMI and face higher interest rates and less favourable loan conditions.
Yes, you can leverage usable equity in your owner-occupied home to buy an investment property. If you’ve been rentvesting, for example, you might use accrued equity in your investment property to help purchase a house; alternatively, you might already own both a home and an investment property, and be interested in using equity to keep building your portfolio.
Rentvesting (‘renting’ + ‘investing’) is an investment strategy that involves purchasing an investment property while continuing to live in a rental property.
Rentvesting can be a useful strategy because it allows you to do things like:
- buy more expensive properties (because your tenants will be servicing the loan, not you)
- buy in areas that are projected to appreciate strongly (rather than only buying where you want/need to live)
- make tax-deductible property improvements.
You can find out more about rentvesting with our guide for first-time investors.
While refinancing an existing home loan to buy an investment property is a valid investment strategy, it isn’t always the right decision. Before refinancing, you should seek personalised financial advice from your mortgage broker. If your mortgage broker advises that refinancing is a suitable approach for you, you’ll generally need more than 20% equity in your current home to use it as a deposit on a new property (unless you want to pay LMI). Other considerations include:
- Refinancing comes with its own costs. Make sure the potential benefits outweigh any expenses.
- Make sure you can actually afford to pay back two property loans. You need to calculate the costs associated with maintaining and managing an investment property, whether it’s negatively or positively geared, and whether you can get tenants.
- Unlocking equity is important. If possible, try to invest in properties that are likely to appreciate (go up in price) over time, as this will help you unlock more equity.
Always talk to your broker or another qualified financial professional before making any decisions.
Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender). It’s expressed as a percentage and is often used during loan applications. The lower your LVR, the more likely you are to get financing.
For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.
In that case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.
Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher; you may be required to take out LMI and face higher interest rates and less favourable loan conditions.