Meet Colin Hingston
Director, Down To Earth Finance. Specialist in home, investment and SMSF lending.
Advocate for paying your loan off sooner.
For twenty five years, Colin has helped Australians secure the right lender, the right structure and the right strategy so you save thousands in interest and remove years from your mortgage. He does not sell rates. He engineers outcomes with clear options, meticulous execution and a faster path to debt free.
The outcome is lower lifetime interest, smarter cash flow and lending that truly serves your goals.
Why Borrowers Choose Down To Earth Finance
Structure First, Rate Next
Winning is not a teaser rate. It is offsets, splits and disciplined design aligned to your plan. Colin builds structures that accelerate paydown from day one.
Lender Agnostic, Australia Wide
Access to a broad panel without bank bias. The result is best fit and best rate for your situation anywhere in Australia.
Investment Loans That Work Harder
Tax aware structuring, cash flow clarity and portfolio ready setups. Fewer surprises, stronger yield and smarter growth.
SMSF Lending with Confidence
A refined shortlist of suitable SMSF lenders, guidance on documentation and compliance minded structuring so trustees can move decisively.
Refinance to Remove Drag
Restructure, direct surplus cash to offsets and follow a step by step plan to pay it off sooner. The gains compound every month.
Plain English Process
Know the why, the what and the when. Colin manages everything from comparison to settlement so decisions remain calm and clear.
Philosophy
Industry: Structure Beats Sticker Price
In mortgages, the moment of truth is not the advertised rate. It is how your structure manages cash flow, tax and time. Standardise the principles, tailor the plan and the numbers follow.
Money: Cut Interest, Keep Momentum
Interest is a silent tax on your goals. Replace it with offset discipline, clean splits and automated paydown so more of your money stays yours.
Life: Borrow Well, Stress Less
When lending is set correctly, you face fewer fires and gain more focus. Track what matters, iterate quietly and enjoy a clearer runway whether you are upgrading or expanding a portfolio.
Have questions?
We offer a complimentary 20-minute advisory session where you can ask all your questions directly to a MALEX Manager.
Want to speak to a specific consultant? Just let us know and we would be happy to arrange a call.
Coopper believes that upfront transparency of information and clarity in direction is essential before making any financial commitments.
So don’t be concerned about “wasting our time”, because we are here to serve you any way we can.