Top 40+ Mortgage Broker Melbourne [2021]

If you are looking for a mortgage broker in Melbourne, this list of the top 40+ brokers will be helpful. You can see which brokers offer the best rates, customer service and expertise. 

Mortgage brokers in Melbourne are generally financial professionals who offer advice and services to people looking to buy a house. Mortgage brokers can help you find the best mortgage for your needs, rather than just giving out one type of loan. 

They also provide great advice on how much house you can afford based on your finances and goals in life. This blog post will give you some helpful tips about what mortgage broker Melbourne offers, as well as list their top 40+ lenders that they work with!

Table of Contents
    Add a header to begin generating the table of contents

    Ultimate List Mortgage Broker Melbourne

    Proper Finance - Mortgage Broker Melbourne

    proper finance

    properfinance.com.au

    03 8620 9099

    Making a big purchase can be a daunting experience. There is always so much to consider when taking out a loan, whether refinancing, down-sizing, investing or buying your first home. That’s why it is vital to use an expert who understands the finance industry and can find you a competitive loan that suits your needs and lifestyle.

    We aim to find you a loan that not only meets your requirements but exceeds your expectations in terms of rate, product and service. We believe in providing you with choice, and at Proper Finance, we look forward to supporting you in your dream of owning your own home or investment property. Please read on to see how we can help you, or just visit our Contact Us page to get started today.

    Services

    • Supporting First Home Buyers
    • Investment Loans
    • Commercial Loans
    • Standard Variable & Fixed Rate Loans
    • Honeymoon Loans
    • Bridging Loans
    • Asset Finance

    Why Choose Us

    Whether you are just starting with your first home or a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan and that we will continue to support you in achieving your future goals.

    Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:

    • We will be easy to do business with
    • You will talk to a real person
    • We will get back to you
    • We will go the extra mile every time
    • We will listen to what you want
    • We will provide home loan options that suit your needs
    • We will source competitive interest rates
    • We are here to serve you and ensure you will be 100% satisfied with our service.

    We have a dedicated team here in the house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or refinance process and provide you with the assistance and advice you need in the future.

    You can feel confident that you are in safe hands, and we will find the loan that’s right for you.

    Owlbroker - Mortgage Broker Melbourne

    owlbroker

    owlbroker.com.au

    0490 527 699

    We serve Australia-wide. We are a Melbourne-based brokerage. We have a strong focus on delivering outstanding customer service and carefully considered strategic finance solutions.

    At Owlbroker, you will be taken care of from beginning to end of the finance journey. We have the knowledge and expertise to find the right solution for your needs. It is our absolute passion to guide you every step of the way.

    Financial Services:​

    - Residential loans

    - Investment loans

    - Commercial loans

    - SMSF

    - Personal / Car / Boat loans

    - Equipment loans

    Melbourne Mortgage Advice Broker

    melbourne mortgage advice

    melbournemortgageadvice.com.au

    1800 693 000

    For over 20 years has provided leading home loan advice and guidance. As a former ANZ Bank Manager, Jon is an accomplished property finance expert and a fully qualified mortgage broker. On building long term client relationships and working relentlessly to help homeowners and investors succeed. With sensibly structured loans, good rates and great support, Jon has helped hundreds of people achieve their goals.

    • No hard sell, just top-notch mortgage advice
    • We act for YOU. A lender sells you products.
    • MFAA Accredited Mortgage Broker
    • Professional mortgage intelligence & property tools
    • A lower rate & better home loan structure
    • Expert mortgage advice & support every step of the way

    Why Choose Us?

    • We don't charge our clients fees. We are paid by the lender that wins your business and fully discloses our remuneration arrangements.
    • Melbourne Mortgage Advice understands that your money is precious and adopt a conservative approach to ensure your best interests are at the forefront of everything that we do.
    • With over 20 years of experience working as a mortgage broker in the Melbourne property market, we understand how it works and help our clients bridge the gap between homeownership dreams and bringing them to reality.
    • We take care of you every step of the way – from the planning stage right through to keys in your hand.
    • Unlike many mortgage brokers, we hold current accreditations with and regularly use multiple lenders and have access to many more on our panel who offer a range of loan types to assist in various situations.

    Mortgage Broker FAQs

    There are no upfront or service fees. Mortgage brokers make their money from commissions paid to them by the banks. You won't necessarily pay more for your mortgage either. 

    It is up to you to decide which bank and mortgage deal you want - the mortgage broker will be then paid by the lender you pick.

    A mortgage broker is an intermediary who brings mortgage borrowers and mortgage lenders together but does not use their funds to originate mortgages.

    A mortgage broker helps borrowers connect with lenders and seeks out the best fit for the borrower's financial situation and interest-rate needs.

    The mortgage broker also gathers paperwork from the borrower and passes that paperwork along to a mortgage lender for underwriting and approval purposes. The broker earns a commission from either the borrower, the lender, or both at closing.

    Your mortgage broker will also expect you to have your documentation prepared as much as you can.

    You should expect your finance broker to ask a range of questions about your current and future lifestyle and financial situation, so they can consider factors such as whether you are planning to start a family.

    If you are going to be applying for a mortgage in the not too distant future, it's a good idea to get ahead and try to sort out the paperwork you are likely to need, especially now that things like bank statements and bills are often online.

    Whilst what you will need will depend on your circumstances and the lender in question, this checklist should give you a starting point. In this guide

    • Check your credit report.
    • ID and address documents
    • Your deposit
    • Have your income proof readily available
    • Check your solicitors are on the lender's panel

    Mortgage brokers have strong negotiating power and can often get you lower interest rates than what your bank offers you.

    Banks will try and give you a good interest rate, but they tend to only offer them to borrowers they consider low-risk, such as those with a clear credit history, a good deposit and a stable income.

    It also helps if you’re an existing customer. Did you know existing home loan customers pay a higher interest rate than new customers? It’s also referred to as a loyalty tax.

    Even then, it’s not necessarily the best discount you can qualify for when you consider that there are more than 40 lenders in Australia.

    Banks want broker business, and they are willing to fight hard to get it because they know that we can apply with another

     

    Blutin Finance - Mortgage Broker Melbourne

    blutin finance

    blutin.com.au

    0435 916 755

    We are an independent boutique mortgage broker committed to helping you find the most suitable home loan, investment property loan, commercial property loan or business loan. As experienced professionals, we have all the skills needed to make your experience as seamless and comfortable as possible. We take the time to understand your financing needs, partner with you in understanding the various options and source the most competitive loan options for you.

    First-home buyers

    Entering the property market for the first time can be intimidating. However, it doesn't need to be and, with a partner who can hold your hand through the process, the experience will be a lot less stressful and even exciting. Blutin Finance can take you through everything you need to know about the process, including the government benefits for first-time homebuyers.

    Business Loan

    Business owners or intending entrepreneurs can apply for a business loan and use the funds to make progressive changes, such as starting a business or expanding their current venture. If you are thinking of starting up a new business or expanding your current business and need access to funds, then the business loan is there to provide funding support. 

    If you already run a business but need extra cash to purchase equipment, hire staff, expand, renovate, purchase vehicles, obtain a commercial property, or do other activities, then the business loan is what you should apply for. Just like the home loan, you can select to pay a fixed or variable interest rate on your business loan. 

    Types of Business Loans

    • Line of Credit/Overdraft
    • Term Loan (secured or unsecured)
    • Lease financing (Asset finance)

    Aspiire - Mortgage Broker Melbourne

    aspiire

    aspiire.com.au

    1300 733 942

    Home loans can be time-consuming and confusing. With various banks, offers, promotions, and credit criteria, it’s important to have a friendly expert to guide you to make an informed choice.

    Get friendly home loan support.

    • Experience across home loans for investment and wealth creation, first home buyer mortgages, and business lending
    • Guidance for first home buyers
    • Proactive and friendly support
    • Works for you, not the banks
    • Not aligned to a franchise or bank ownership

    We make it easier

    Want to improve your finances? The right home loans can help you save money and build wealth. We help you too.

    • Save time (and credit file) from doing it yourself.
    • See your options and borrowing power at different banks.
    • Calculate what you could save
    • Make an informed choice.

    Fidget - Mortgage Broker Melbourne

    fidget

    fidget.com.au

    1300 129 459

    We’re the conduit between you and over 40 lenders, your wealth of knowledge and your hand-holding friends (not in a creepy way).

    We’re Different

    At Fidget JP Partners, it’s not just about putting you in touch with someone who will lend you money. Our Fidget mortgage brokerage team exists to make your refinancing or home buying process a smoother experience.

    We’re Multiple-award-winners

    Our nationally-award-winning mortgage brokerage is here to help explain your lender options and pick an awesome loan structure, along with our guru support team handling your loan application from start to finish.

    We’ve Been In Your Shoes.

    As we are all property owners, Fidget JP Partners have been in your shoes, and we understand what you’re going through when looking at the home buying and home lending maze. It can be a clunky and daunting experience.

    At your service

    Fidget Money offers a range of services from refinancing, home loans, investment loans, construction loans, car loans, insurance and conveyancing to customers in all areas of Melbourne (and yes, we do in other states too).

    • Refinancing
    • Home Loans
    • Buying Your First Home
    • Investing in Property

    My Mortgage Freedom - Broker Melbourne

    my mortgage freedom

    mymortgagefreedom.com.au

    03 8256 1914

    After your loan has settled, we don’t stop there. We have always touched base with our clients every year to make sure their loans are all still competitive and to check in to see if they have had any changes to their situation that needs attention. More importantly, interest rates tend to increase as the months and years pass, so we have put a stop to that ever happening again. My Mortgage Freedom customers have exclusive access to Australia’s first and only rate tracking technology. 

    This means that you can activate Rate Tracker on your home or investment loan to monitor your interest rate in real-time and protect you from any excessive interest rate hikes. This is all done automatically, and you will only ever be alerted if your interest rate has exceeded an acceptable level.

    We take care of all the leg work for you.

    Whether you’re buying your first home, refinancing, building, or investing, a big ‘guy’ or a little ‘guy’, My Mortgage Freedom will get you there faster and easier. We’ll help you find the best deal, do all the dirty work for you and support you until long after the deal is done.

    • Home Buyers
    • Investors
    • Commercial
    • Self-Employed
    • Foreign Investors

    Mortgage Broker Melbourne 

    mortgage broker melbourne net

    mortgagebrokermelbourne.net.au

    1800 111 626

    We have been operating in the Melbourne CBD and surrounding suburbs since 1999. We are not a huge corporation that spans the whole country. We are a flexible, boutique Melbourne business that offers a mobile service or the choice to meet us at one of several convenient CBD locations.

    Get the right home loan for you.

    • Competitive interest rates.
    • Expert advice and guidance.
    • Hassle-free.

    Our service is free.

    Mortgage Brokers Melbourne charge no fees. We are paid a commission by the lender you choose, which we fully disclose to you. (Lender and Govt fees may be payable). We aim to save our clients money, taking the time to individually negotiate the best available rate rather than simply accepting the standard rate on offer.

    Mel Finance Services - Mortgage Broker Melbourne

    mel finance services

    melfinance.com.au

    1800 940 752

    We are a team of highly experienced mortgage brokers helping our clients to secure the best loans at the most competitive rates. We adopt a highly tailored approach for clients at all stages of the property journey, from first time home buyers to retirees. Beyond home loans, we work with businesses and investors, offering a specialised service designed to provide the latest industry insights and most accurate market advice. We invite you to learn more about Mel Finance and how we can help you. Book a free consultation and discuss your needs with an experienced Melbourne-based mortgage broker.

    Finance Services

    • HOME LOAN. Secure the best deal on your home loan whether you’re a first home buyer, investor or multiple property owners. Our team are Melbourne-based mortgage broker specialists, able to compare a panel of lenders and identify the best deal.
    • REFINANCE. Could you get a better deal? Find out by discussing your options of refinancing with our expert team. We’ll help you with the entire process, from exploring your options to finalising your refinanced mortgage.
    • BUSINESS AND INVESTMENT. We work with business owners and investors to source and manage a loan to suit your needs. Our team can offer specialised advice and the latest market insights.

    First Home Buyers

    We know that purchasing your first home is an exciting yet often daunting experience. The Mel Finance team helps first homeowners in Melbourne navigate buying a property and securing a home loan. Move into the home of your dreams with a loan that suits you by working with our trusted mortgage brokers.

    Our Focus Is You

    Our mission is to offer Melbourne residents a seamless and stress-free service, helping them through the entire refinance, mortgage or loan process. We prioritise the needs of our clients and strive to get them the best deals.

    Why Mel Finance?

    We are an industry-leading authority, entirely focused on providing the best service and offers in Melbourne. We are an MFAA (Mortgage & Finance Association of Australia) approved mortgage broker making us fully compliant with industry standards.

    Mortgage Finesse - Broker Melbourne

    mortgage finesse

    mortgagefinesse.com.au

     3989 509 346

    With everything that’s out there, it’s easy to get confused. That’s why at Mortgage Finesse, we take the hard work out of the equation. We have access to a range of loans at some of the best rates from more than thirty different lenders across Australia that can help you get to your financial goals sooner.

    Customer service and helping clients is our thing. The relationships we have with our clients are ongoing. Our service continues beyond settlement which is probably why we see many of our clients return time and time.

    Don’t waste hours going from bank to bank when you can sit down with us to find the best deal. Time is precious. We get it. Save your time for yourself, and let us take care of your mortgage needs without the stress. It’s what we do.

    Our Services

    •  Purchases
    • Refinancing  
    • Line of credit 
    • Equity Loans 
    • Construction Loans
    • Personal Loans
    • Asset and vehicle finance

    We’ll prepare and walk you through every step of the process. contact us

    VDA Finance And Capital - Mortgage Broker Melbourne

    vda finance capital

    vdafinanceandcapital.com.au

    1300 832 536

    With a combined experience of 15 years, Suraj and Karna bring their expertise in the residential and commercial mortgage industry to lead a team of brokers to assist our clients through the property buying process. We understand that each customer and their situation is unique. We can provide customised loan comparisons and tailored lending solutions across our extensive panel of residential and commercial lenders. Our consultations are obligation-free, and our services are at no cost to you.

    What We Offer

    • Home Loans
    • Commercial Loans
    • Business & Equipment Finance

    Aussie - Mortgage Broker Melbourne

    aussie

    aussie.com.au

    13 13 64 

    From small beginnings come big things. In 1992, "We'll Save You" meant a lot to us - and almost 30 years later, it still does.

    • Our home loans
    • Insurance
    • Vehicle
    • Business loans
    • Insights

    Go straight to Aussie

    • Aussie's home loans
    • Property Reports
    • Comparing Home Loans
    • Compare rates available with Aussie.

    Opulent Finance - Mortgage Broker Melbourne

    opulet finance

    opulentfinance.com.au

    03 8838 3592

    We are a friendly team that focuses on putting our customers’ needs first. We will go to extreme lengths to get the very best solution we can for our customers. That is why all of our customers recommend us to their family, friends and colleagues, and this is how we have grown over the years.

    Our well-experienced team at Opulent is extremely proud of the over 98% customer retention rate. We are very proud of our industry awards but what we love the most is that when we engage with customers, we usually embark on a lifelong partnership, assisting them with their and their families financial matters for many years.

    Our consultations are FREE to you and are not biased to any financial institutions in our panel. Finding the best-suited solutions for you is our primary focus. All our customers also benefit from our experience and expertise in accounting and taxation through Opulent accountants. We do offer the whole package to you.

    Our Services

    • Commercial Finance
    • Equipment & Asset Finance
    • Home Loans
    • Investment Property Loans
    • Personal Loan

    Investors Mortgage Broker Melbourne

    investors mortgage

    investorsmortgage.com.au

    1300 468 463

    Investors Mortgage has been helping first home buyers and investors since 2007 with the mission of creating extraordinary mortgage solutions for Australians. That mission continues to be a driving force today. Investors Mortgage has always sought out the nation’s most creative and responsible lenders. This enables us to be one of the nation’s most respected mortgage brokers.

    Our proposition to our clients:

    • We don’t charge any fees from our clients for our services. We get paid from the Bank or the Lender.
    • We don’t add any margins to any loan products that we offer.
    • We don’t push any particular lender or their products over another.

    Investment Loans

    • Investment Loans
    • Self Managed Super Fund Loans
    • Development Loans
    • Construction Loans
    • Commercial Property Loans
    • Home Loan Calculator

    Vehicle Loans

    • Business Car Finance
    • Car & MotorBikes Loans
    • Boats Caravans & Motor Home Loans
    • Trucks and Trailers Loans
    • Commercial Vehicle Loans

    Commercial Loans

    • Business Equipment Loans
    • Trucks and Trailers Loans
    • Commercial Vehicle Loans
    • Commercial Property Loans

    Why we are one of the best in Australia:

    • We use the latest in mortgage processing technology to bring you the most up-to-date information.
    • Our financial products vary from simple to simply spectacular. We are experienced with both residential property purchases and commercial real estate purchases. We understand the needs of today’s investors, and if you are looking for your first home, we will help you finance the home of your dreams.
    • We provide you with the cheapest interest rates to give you the lowest mortgage payments.
    • We provide you with the right tools like a Home loan repayment calculator so you can compare home loan interest rates in Australia.
    • We provide our clients with a First home buyer guide and investment property purchase guide along with calculators to find your borrowing capacity to answer your basic questions like ‘How Much Can I borrow?

    We always operate with honesty, integrity, and a solid commitment to quality. We never sacrifice quality for profit. We enjoy a great amount of leverage with our lenders due to the reputation we have earned. We create financial solutions with the end consumer in mind, allowing you to rest assured you are getting the best loan possible.

    Inovayt - Mortgage Broker Melbourne

    inovayt

    inovayt.com.au

    1300 354 354

    While creating a successful mortgage business in its own right, the founders saw a need to offer a more holistic solution to their clients. In 2012, Inovayt Wealth was born to offer financial advice.

    Innovate has since grown to over forty employees, opened four offices nationally, and introduced a commercial finance division to strengthen the offering to our clientele further.

    Finance

    • Your First Home
    • Your Next Home
    • First Time Investor
    • Experienced Property Investor
    • Refinancing
    • Busy Professional
    • Self-Employed
    • Pay Off Your Loan Sooner
    • Your Next Car
    • Personal Loans

    Wealth

    • Your Goals
    • Financial Planning; what, why, how?
    • Superannuation
    • Personal and Business Insurance
    • Estate Planning
    • Investment Advice
    • Budget & Cash Flow

    Commercial

    • Business Loans
    • Business Overdrafts
    • Business Investment Loans
    • Development Finance
    • Cash Flow Lending
    • Asset and Equipment Finance
    • Investment Planning and Advice

    Why choose Inovayt?

    • We look after you
    • We make it simple – online, phone or in person.
    • We will provide you with expert advice throughout your financial journey so you can turn our insights into your financial success.
    • You are supported by a dedicated team of professionals that know how to get the job done.
    • Our end-to-end solutions support all your financial needs.

    Mortgage Corp Broker Melbourne

    mortgage corp

    mortgagecorp.com.au

    3456 463 635

    We specialise in helping successful full-time professionals buy 1 to 5 investment properties in 5 years [through smart financing], so they can have consistent passive income coming in before they retire and continue to live the life of their dreams even after retirement when others are downsizing, reducing expenses and living on a budget.

    Without our help, successful professionals will not have a clear roadmap to starting and building a profitable property portfolio, will waste precious time (as much as ten years) not getting on the right path to financial freedom, or even worse, get the bad advice that will lead them to the path of endless stress, wasted time, money and opportunities.

    While most banks and mortgage brokers focus on merely getting you a loan, Mortgage Corp is committed to getting you a complete investment result which may include.

    • Discounted premium interest rates
    • Low or waived fees
    • Flexible loan conditions and serviceability
    • And a loan structure that facilitates tax savings and maximises further property investment opportunities.

    In other words, Mortgage Corp helps you grow your property investment portfolio faster, so you reach your financial freedom sooner.

    Home Loans

    • Home Buyers
    • Refinance Home Loan
    • Self Employed Home Loan
    • Home Loan for Medical Professionals
    • Interest Rate Advice

    Investment Loans

    • First-Time Investors
    • Experienced Investors
    • High-Income Investors
    • Commercial Property Loan
    • Strategic Loan Structuring

    Loanscope - Mortgage Broker Melbourne.

    loanscope

    loanscope.com.au

    03 9988 5325

    We have a team of Mortgage Brokers based in Melbourne. We set the standard for finance broking by delivering what we promise: quality service, expert advice and tailored loans at low, low rates. We:

    •  Offer tailored, personalised services
    •  Take a long-term approach
    • Compare home loans from more than 30+ different lenders
    • Provide expert advice with over 30 years of combined industry experience
    • Have an impressive track record for home loan approvals
    • We make the process simple
    • Our office is conveniently located on St Kilda Road, 5 minutes from the CBD, but we can also come to you upon request
    • Offer after-hours appointments as required
    • We always have your best interests at heart
    • Are members of the Finance Brokers Association of Australia.
    • We also provided free Rp Data property reports and credit files to all of our clients.

    As a growing finance brokerage, Loanscope has built a strong reputation and forged close relationships with the major banks, non-bank lenders and non-conforming lenders. We have hundreds of home loan packages at our fingertips and the expertise to find one to meet your current needs and future financial aspirations. We can recommend reputable conveyancers, accountants, financial planners and other professionals to complement our service.

    Loans We Offer 

    • Home Loans for Doctors & Medical Professionals.
    • Investment Home Loan
    • Upgrade your home with ease
    • Refinance your home and start saving!
    • Commercial loans
    • First Home Buyers
    • Extension and Renovation loans

    Would your property investing benefit from:

    • Advice from an expert who’s on YOUR side - who cares about your goals and your future?
    • Straightforward explanations that make your options clear?
    • Expert advice tailored to your specific structures and goals?
    • Detailed analysis and planning?
    • Access to more mortgage options than anyone lender can offer?
    • An expert on your side for complex negotiations?
    • Easier access to mortgages you really CAN afford?

    Our expert Melbourne-based advisors can come to you – and meet you when it suits you, where it suits you.

    Why choose Loanscope?

    We operate in your best interest – because what’s truly best for our clients is best for our future. Our repeat customers and referral-driven growth prove we’ve made the right choice.

    As expert mortgage brokers with years of experience, we have access to hundreds of loan products you can choose from – whether you are investing for personal or business reasons. You get access to the full market spectrum, not just the over-advertised basics.

    Accession Finance - Mortgage Broker Melbourne

    accession finance

    accessionfinance.com.au

    03 9397 2535

    Accession Finance will review your finance needs, shop available lenders to find a product that offers the best combination of features, options and rates.

    From our experience in the industry, there is no 'one size fits all' when it comes to financing. We have worked with self-employed clients, have a minimal deposit, are first home buyers, building a new home, and in each case, we have investigated the best option for their particular criteria. 

    In most cases, we are paid via a commission by the bank; we charge no additional fee to the client to find and arrange the personal finance for our clients. 

    Our Services

    • Residential Finance
    • First Home Buyers
    • Investment Finance
    • Construction Loans
    • Car & Personal Finance
    • Debt Consolidation
    • Self Managed Super Funds

    Our Service Guarantee

    To provide a service you can trust and an experience where you know you come first. Our quick response times, insightful knowledge of the industry and ability to find the right loan for our clients is where we know we stand out.

    Resolve Finance - Mortgage Broker Melbourne

    resolve

    resolvefinance.com.au

    1300 883 463

    We’re here to find solutions, offer options, help you make better-informed decisions, and ultimately, ensure you and your family can live your best lives.

    Home Loans

    • Find a broker
    • Our lender panel
    • My home plan
    • Your first home
    • Your next home
    • Refinancing
    • Investing
    • Our home loans

    Conveyancing

    • Buying your home
    • Selling your home

    Become a business owner

    • Why a Resolve franchise?
    • Franchise partner stories
    • Franchise opportunities
    • Your next steps

    We’re called Resolve because that’s what we do. We’re here to resolve the challenges home buyers, home builders, homeowners, renovators and investors face on the journey to whatever’s next.

    Loan Market - Mortgage Broker Melbourne

    loan market

    loanmarket.com.au

    0408 206 353

    Does your home loan suit your needs? We understand that every client will have different needs and circumstances and pride ourselves in finding the right loan set-up for your specific situation.

    We have over ten years of financial experience and have been through the many ebbs and flows of the Australian home loan market. We use our experience, expertise and knowledge to assist you in any financial situation, including finding the right first home loan, next home loan or investment loan.

    Most Popular Calculators

    How much can I borrow?

    Your borrowing power is a critical number to know because it helps you understand how much you can spend on a property.

    How much are my repayments?

    Several factors determine what your repayments will be, and our loan repayment calculator can help you estimate your repayments.

    How much could I save by refinancing my home loan?

    Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

    Home Loan Calculators

    Mortgage Deferment Calculator

    Use this calculator to determine how much a deferment (also known as a pause or holiday) will cost you.

    Loan Repayment Calculator

    Find out how much your home loan repayments will be and the total interest charged for the loan.

    Borrowing Power Calculator

    Find out how much you could borrow and how much repayments would be for a home loan of that size.

    Stamp Duty Calculator

    Find out how much you need to set aside for Stamp Duty and the requirements in your state or territory.

    Split Home Loan Calculator – Fixed vs Variable

    The split loan calculator will determine your required repayments and total interest charged under different fixed and variable rate scenarios.

    Lump-Sum Repayment Calculator

    Additional lump sum repayments can significantly reduce the amount of interest you pay on your home loan and the term of your loan.

    Mortgage Offset Calculator

    An offset account can be a powerful tool for those seeking a mortgage.

    Extra Mortgage Repayments Calculator

    You can save thousands in monthly repayments and take years off your loan by making extra repayments.

    Compare the cost of two different home loans.

    Compare two loans and determine which is the cheapest when you take into account fees and interest charges.

    ALIC - Mortgage Broker Melbourne

    alic

    alic.com.au

    55 612 125 242

    As with any financial strategy, the right loan structure depends on individual goals and circumstances, and getting the right advice is very important. At ALIC, we specialise in working with you to develop the most appropriate finance strategy and structure by talking with you and understanding your current financial situation and future goals.

    To ensure these structures work, we work alongside your trusted advisors or give you access to ALIC’s trusted market specialists, including financial planners, wealth management/tax accountants, buyers’ advocates and other experts. The important thing is you have access to specialists to help and guide you through the process. Loans are arranged through some financiers, including all the major banks ANZ, Westpac, CBA, NAB and many other institutions, including Bank of Melbourne, Macquarie, and ING, to name a few.

    Our premium ranking with the top banks provides a better outcome for you, our client.

    From the outset, we work with you to understand your financial goals and ask some fundamental questions.

    Our Services

    The team at ALIC will work with you to find the best solutions across the financial markets to meet your needs.

    At ALIC, we have the most experienced team to find the right solution. From the first home buyer to the most experienced investor, or you’re refinancing to renovate or expand your portfolio. ALIC has access to over 2000 financial products in Australia. Our team is committed to not just working on your strategy and structure but to educate you through the process, giving you the confidence to grow your investments and understand your commitments.

    Market Appraisal

    Our services cater to getting our clients the best options possible, no matter their financial situation or real estate background. Contact us today to see what we can do for you. Schedule a consultation appointment today!

    Credit Assessment

    Whether you need help negotiating a mortgage or buying a new home, ALIC can manage all your mortgage needs. Our services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together— contact us and find out how my services can help.

    Mortgage Lending

    Whether you’re buying your first home or looking for a new investment property, there’s lots of stress and complications involved in mortgages and financing. That’s where I come in. We help my clients with this service and so much more. Reach out today to learn more.

    ARG Finance - Mortgage Broker Melbourne

    arg finance

    argfinance.com.au

    1300 511 235

    ARG Finance – A boutique Mortgage Broker Company with a difference!

    We are a team of extremely talented, experienced and financially savvy individuals who are great at numbers and can help with any size or type of loan you are after.

    Rakesh Gupta, the owner of ARG Finance, has a wealth of experience in the mortgage brokering industry and worked with all types of Lenders. With his astute leadership and industry connections, he has built a solid team that stands true to your test when it comes to Mortgage.

    ARG Finance is not just another mortgage broker company but a lot more, a complete financial solution provider.

    Services We Offer

    We do all the hard work for you!

    Finance your future today. Let us help you with a great deal that suits your requirements.

    COMMERCIAL LOANS

    • Business Loan
    • Asset Finance
    • Car Loan
    • Truck Loan
    • Property Development Finance
    • Land Banking
    • Finance for Commercial Property

    HOME LOANS

    • First Home Buyer Loan
    • Home Loan Refinance
    • Debt Consolidation
    • Construction Loan
    • Investment Loan
    • Renovation Home Loan
    • Equity Home Loan

    Why Choose Us?

    We understand how to effectively guide you through a home loan or the refinance process and avoid potential problems along the way.

    • SUITABLE LOAN OPTIONS
    • EASY LOAN END TO END PROCESS
    • SECURE LOANS

    Entry Finance - Mortgage Broker Melbourne

    entry finance

    entryfinance.com.au

    1300 468 234

    Entry Finance is leading the way for flexible and cost-effective mortgage and financing options in Australia.

    Our vision is to be the go-to finance and mortgage broker in Australia. We provide creative, efficient, and personalised solutions to suit your needs.

    Our mission is to help you achieve your financial goals and secure your future. We have experience in and knowledge of both mortgage and finance broking. This allows us to give finance options to help you achieve your financial goals.

    We believe in building long-lasting relationships by giving you honest and realistic options.

    Our team will take away the jargon and converse with you in plain English, helping you understand your options better and make the right investment decision.

    We will walk you through a stress-free and seamless process, no matter your circumstance. Additionally, we will keep you in the loop at every step in your buying journey.

    Services

    • New Mortgages
    • Refinancing Options
    • Investment loans
    • Equipment Finance

    Why Choose Entry Finance?

    We are your go-to finance and mortgage broker’s firm for the best financing options in Australia.

    • Quality Finance & Mortgage Broking Advice
    • Buy With Confidence
    • Understanding Your Financial Goals

    Melba Mortgage Broker Melbourne

    melbabroker.com.au

    0431720242

    Access exclusive home loan offers and unmatched service.

    Loan Products & Programs

    We have access to a large panel of residential and commercial lenders who offer a wide range of products

    • Fixed & Variable rate home loans 
    • Refinance with exclusive rebates and low rates
    • Bridging finance 
    • First home buyer loans
    • House and land packages
    • Home Equity Line of Credit

    Types of finance available

    We can facilitate a solution for customers with varied needs 

    • Owner-occupier or Investment loans
    • Self-employed customers 
    • Professional offers for doctors, lawyers and accountants
    • Commercial loans and Private lending
    • Asset finance or car loans
    • Customers with credit defaults and other issues

    Your Loan Assist - Mortgage Broker Melbourne

    your loan assist

    yourloanassist.com.au

    1300 007 352

    You're different.

    We understand.

    • Employee: Full Time, Part Time, Casual, Contractor.
    • Self Employed: Full Doc, Low doc.
    • It's Complicated: Ummm... where do I start?

    Your needs matter.

    We make an effort.

    • First Time Buyer
    • Building
    • Consolidating Debt

    Lucid Lending - Mortgage Broker Melbourne

    lucid lending

    lucidlending.com.au

    03 7019 2415

    We are passionate about helping you own your dream property.

    From first home buyers to seasoned property investors, we partner with you to help secure the best deal possible. We ensure that you understand all the particulars of your loan, which makes your lending experience stress-free.  

    Our Services

    Whether you are buying your first or next home, refinancing or renovating, we have lending solutions for you.

    • First Home Buyer 
    • Next Home
    • Refinancing 
    • Investment Property 
    • Building & Renovation 
    • Commercial & Development Finance

    Empower Wealth - Mortgage Broker Melbourne

    empower wealth

    empowerwealth.com.au

    1300 123 724

    At Empower Wealth, we truly believe that increasing one’s wealth position is possible for anyone and everyone interested in making it happen. From saving for your first home to buying it and then building off its wealth base, to Superannuation, to identifying the best use of your household’s surplus income, to building a multi-million dollar property portfolio… It’s possible, but for almost every one of us, we need professional assistance.

    Services

    • Property Portfolio Plan
    • Property Investment Advice
    • Mortgage Broking
    • Buyers Agents
    • Financial Planning & SMSF
    • Tax & Personal Accounting
    • Property Research
    • Money Management

    So, why do our clients choose us?

    • Firstly, we assess their needs, goals, desires and personal values and the role money and wealth will play today and for all their tomorrows.
    • We assess current and future cash flows, ensuring adequate provisioning and current and future financial goals.
    • We tell them the truth about their situation and what’s possible from the advice we deliver.
    • We have the capabilities through our different business divisions and the talented specialists within these divisions to provide a complete integrated and tailored solution to meet their requirements. We can plan out a short and long term wealth creation road map for them to follow.
    • Our clients learn that it’s their decision about their money, money they have worked hard to earn and sacrificed their time – but they know they have a team of specialists there to assist them along their journey.

    MoneyQuest - Mortgage Broker Melbourne

    money quest

    moneyquest.com.au

    1300 886 435

    Whether it be for your first home, upgrading to accommodate your growing family or empty nest syndrome has set in, and it’s time to downsize, we will help you compare simply and choose wisely. It's what we do!

    Services

    • First Home Buyer
    • Refinancing
    • Investment Loans
    • Credit Impaired
    • Debt Consolidation
    • Home Loan Calculators

    So, why choose MoneyQuest?

    Here are a few reasons.

    • Free Service To You
    • More Loan Options
    • Local Knowledge
    • Handpicked Team
    • Tailored Approach
    • Many Specialities

    Gilbees Mortgage Planning - Mortgage Broker Melbourne

    gilbees

    gilbees.com.au

    03 9633 4625

    Making a big purchase can be a daunting experience. There is always so much to consider when taking out a loan, whether refinancing, down-sizing, investing or buying your first home. That’s why it is vital to use an expert who understands the finance industry and can find you a competitive loan that suits your needs and lifestyle.

    We aim to find you a loan that not only meets your requirements but exceeds your expectations in terms of rate, product and service. We believe in providing you with choice, and at Gilbees Mortgage Planning, we look forward to supporting you in your dream of owning your own home or investment property. Please read on to see how we can help you, or just visit our Contact Us page to get started today.

    Services

    We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:

    • Supporting First Home Buyers
    • Investment Loans
    • Commercial Loans
    • Standard Variable & Fixed Rate Loans
    • Honeymoon Loans
    • Bridging Loans
    • Asset Finance

    Why Choose Us?

    Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:

    • We will be easy to do business with
    • You will talk to a real person.
    • We will get back to you.
    • We will go the extra mile every time.
    • We will listen to what you want.
    • We will provide home loan options that suit your needs.
    • We will source competitive interest rates.
    • We are here to serve you and ensure you will be 100% satisfied with our service.

    Own Home Loans - Mortgage Broker Melbourne

    own home loans

    ownhomeloans.com.au

    1300 721 342

    Own Home Loans cuts the confusion out of finding the right home loan and gives you access to our expertise in mortgage finance. But at Own, we take it a step further, helping you to Own your Home, Own Your Life, and Own your Future.

    We empower and support you to reach your homeownership dream sooner than you thought possible!

    Our Own Home Loans

    Why spend 30 years paying off your mortgage when you could do it in much less time? We help you identify a personalised strategy to pay off your loan sooner while regularly reviewing your situation to ensure you always have the right loan. The best part of all is that we don’t charge you for our service! It costs you nothing to have us with you every step of the way to becoming mortgage-free.

    • First Home Buyers
    • Investment Properties
    • First Home Owner Grant
    • Refinance Your Home

    Own Assist Makes Moving Easier At No Cost To You!

    To save you time, stress and a whole lot of hard work, we created ‘Own Assist’, a free and convenient service that helps you pick and choose the plans and services you would like.

    Simply choose the services you need, and we will help get you connected!

    • A convenient way to organise your move
    • Personal support at no cost to you
    • Peace of mind
    • Let us find you the best deal on offer from a range of providers.

    This is a complimentary service and means you don’t have to worry about organising anything!

    You will even be allocated your Moving Specialist to help you along the way.

    Lend A Loan - Mortgage Broker Melbourne

    lend a loan

    lendaloan.com.au

    1300 861 463

    Lend A Loan | Mortgage Broker Melbourne is a young Melbourne based mortgage and finance company with innovative software that helps each of our talented mortgage brokers find the right solution for our valued customers.

    May it be a Home Loan, Business Loan, Commercial Loan, Car Finance, Refinancing or Debt Consolidation, our Melbourne Mortgage brokers can assist their clients with their loan requirements. Every single member of our mortgage broking team is ambitious, experienced and brings something unique to our finance company.

    Our passionate and dedicated finance and mortgage brokers assemble each day in our Melbourne office with a few common goals and values, providing the best financial solutions to our valued customers and keeping their best interest first.

    The Lend A Loan Finance and Mortgage Brokers have access to over 45 residential and commercial banks and lenders, which allows them to assist you in choosing the right loan product for your exact financial requirement.

    Our Melbourne Mortgage Broker team can come and meet with you at your home, place of business, or you can reach us at one of our offices in Melbourne. To start your journey of finding the right loan and comparing thousands of loan products in one appointment with our expert Melbourne mortgage brokers.

    Our Finance And Mortgage Broking Services

    We provide a range of finance and mortgage broking services.

    • Home Loans
    • Commercial Loans
    • Business Loans
    • First Home Buyers

    Why Choose A Lend A Loan Mortgage Broker

    Lend A Loan Mortgage Brokers have their customers' best interests at heart. We only recommend products that suit our customer's financial requirements

    • Operational Excellence
    • Wide Range Of Loans
    • Flexible Appointments
    • Trained Experts
    • Accredited Agency
    • No Cost To You

    Lending Specialists - Mortgage Broker Melbourne

    lending specialist

    lendingspecialists.com.au

    03 9764 2646

    The Lending Specialists advantage:

    • We have been in business a long time, with years of experience under our belts
    • Our brokers and staff are experienced
    • We have a proven track record
    • Our values include being respectful, honest, supportive, professional and tolerant
    • We get things done (even the difficult deals)
    • Making it happen is an everyday achievement for us
    • We have hundreds of connections in the industry
    • We have a vast array of business, banking, financial and negotiation skills
    • Our diversity allows us to resolve complex questions and find logical solutions
    • We are flexible and forward-thinking
    • The combined knowledge in our business is enormous
    • We have expert knowledge of your local area

    Products

    Lending Specialists offers access to a range of loans and options which can be tailored to your needs. These include but are not limited to:

    • Home Loans and Investment Home Loans
    • Self-Managed Superannuation Fund Loans
    • Commercial Loans and Business Loans
    • Vehicle Finance and Equipment Finance

    Guidance Mortgage Brokers Melbourne

    guidance mortgage brokers

    guidancemortgagebrokers.com.au

    0405 447 241

    Guidance Mortgage Brokers is an exceptional credit advisory that provides genuine service, choice, and advice to meet all your residential and commercial finance needs.

    Why Guidance?

    • We can access a large panel of lenders, including all the major banks
    • We facilitate all the tricky paperwork – from application to settlement
    • We provide clear explanations of all fees, charges and loan processes
    • We prioritise excellent client service throughout the loan process

    How Can We Help?

    • Buying A Home
    • Becoming A First Home Buyer
    • Building A New Home
    • Refinancing Your Home Loan
    • Investing In Property

    Why should you use a mortgage broker?

    There are many good reasons why more than half of Australians now use a broker to secure a home loan. Probably the most important one is that we work for you, not the banks. We speak to you first to find out what you need, and then we use our knowledge of the market to better negotiate with the lenders. Then we get a range of options before we work out which one is right for you, not what’s right for the lenders.

    Sprint Finance - Mortgage Broker Melbourne

    sprint finance

    sprintfinance.com.au

    1300 547 252

    Buying a house is likely to be one of the biggest purchases of your life. The process can be daunting and confusing, especially if you’re a first home buyer. So you shouldn’t put it in the hands of just any Mortgage Broker or Lending Specialist.

    Sprint Finance is a 100% Australian owned and operated Mortgage Broking service. While we have connections with some of the country’s biggest lenders, our top priority is finding the right loans and lenders for you. We are dedicated to finding a mortgage solution that offers flexibility for whatever life throws at you.

    The process of buying a home should be an exciting time in your life. You’ve worked hard to get to this point. So now it’s time to buy your dream home. Our dedicated team will make the process of finding a home loan painless. We’ll guide you every step of the way. Our Finance Specialists are available seven days a week to answer all your questions about mortgages and loans.

    Service

    • How to invest in property using equity
    • Private mortgage finance
    • Commercial lending
    • SMSF refinancing
    • SMSF lending
    • Residential asset finance

    Why choose us?

    • Keeping it simple
    • Experienced
    • Fast service
    • Talk online

    Vanquish Finance Group - Mortgage Broker Melbourne

    vanquish finance group

    vanquishgroup.com.au

    0409 089 241

    They were established in 2005 and have arranged thousands of home loans for thousands of clients ranging from first home buyers, clients wanting to refinance their existing home loan, or property investors entering the investment market for the first, second or third time.

    We are committed to being part of our local community. We strongly focus on using technology to reduce our carbon footprint, making sustainable and balanced decisions that support positive social, economic, and environmental outcomes.

    Our Service

    Calculators

    • Calculate Stamp Duty
    • Loan Repayment Calculator
    • Borrowing Power Calculator
    • Budget Planner

    Government Grants & Schemes

    • First Home Owner Grant
    • First Home Loan Deposit Scheme
    • Family Home Guarantee
    • New Home Guarantee

    My Expert - Mortgage Broker Melbourne

    my expert

    myexpert.com.au

    1300 693 363

    We know from more than 20 years of experience in the home loan and finance industry that making important financial decisions can be overwhelming, where emotions and stress levels can – and do – run high.

    Our business was founded on the philosophy of taking the emotional drain out of property transactions and empowering community wellbeing through industry-leading support and advice our clients know they can trust. It’s a philosophy we still hold today and why we’re one of Australia’s leading home loan brokers.

    Expert advice to help you make the most important financial decisions of your life.

    Making financial decisions – the right decisions – takes Expert knowledge and insight. We understand that as individuals, we need financial advice and solutions that are specific to our circumstances.

    That’s why we have three specialist departments providing Expert tailored advice on home loans, conveyancing, financial planning and risk insurance.

    Services

    • Finance
    • Conveyancing
    • Wealth

    Why choose My Expert?

    • Award-winning financial advisors
    • Experienced and trusted advice
    • Passionate and professional team
    • Excellent customer service

    Market Street Finance - Mortgage Broker Melbourne

    market street finance

    marketstreetfinance.com.au

    1300 612 253

    We work intently and in-depth with all our clients.

    For businesses, this means we spend the time to understand their business from a financial and planning point of view. This helps us understand the current pain points and identify the areas we can help to grow.

    For individuals, we look not only at the current funding requirements but future goals. This ensures any funding we put in place is appropriate now and in the future.

    For businesses and individuals, we have an annual review of all lending facilities to ensure they are still competitive and appropriate.

    Services

    • Commercial Finance
    • Business Finance
    • Development Finance
    • Home Loans
    • Equipment Finance
    • Energy Finance

    Axton Finance - Mortgage Broker Melbourne

    axton finance

    axtonfinance.com.au

    03 9939 2363

    Axton Finance is your team of industry experts that will source and deliver the best industry options for your needs and circumstances. Our professional team will take the time to get to know you and build a relationship and rapport, analysing your financial position and your goals to deliver the best solution that is entirely tailored to you.

    We take the hard work out of finding the best solution product on the market. There are countless banks and financial institutions out there offering different rates, terms and conditions, fee schedules, benefits and penalties, and it is a tough job to weigh them all up to try and find the best option. We take your circumstances and your goals and match them to the best products on the market, brokering the entire process and simplifying the process for you.

    Specialist mortgage services for a range of goals

    As leading mortgage lending specialists, we help connect Australians to their dream home or investment property every day. But we also offer a wide range of other services besides home lending, including private banking, construction finance, refinancing and expat lending.

    We pride ourselves on delivering customised solutions to all of our customers, and we can assist you with any of your needs. So whatever your goal is, speak to our expert team, and we will put together a tailored package that will help you achieve your goals faster.

    Fast approvals & expert help when you need a loan specialist

    With decades of industry experience as mortgage brokers in Melbourne, we can move quickly to match you to a solution that is right for you, saving you valuable time and helping you to ensure you secure the property you are after.

    Get access to the best rates from leading bodies.

    Select from over 25 different lenders offering hundreds of products, with our connections to a wide range of banks and lenders. We have a product available to suit your needs. We will leave no stone unturned in finding the best solution and will work with the bank and lenders to tailor a product to your needs so you can achieve your goals easier and faster.

    For more information on how Axton Finance can help you reach your goals, call our team today.

    Alecto Finance - Mortgage Broker Melbourne

    alecto finance

    alectofinance.com.au

    0403 335 235

    Based in Melbourne, the award-winning team at Alecto Finance can assist you in sourcing a tailored loan to suit your needs. The team has over 50 years of combined experience in assisting our clients with purchasing a car or a piece of equipment to fit out your office or practice, as well as obtaining a residential or commercial property.

    Busy Professionals

    • Asset Finance
    • Home Loans
    • Commercial Loans
    • Business Loans

    Trusted Mortgage Broker Melbourne

    trusted mortgage broker

    trustedmortgagebroker.com.au

    0425 792 325

    “I place your interests first in my dealings with you. In doing so, I will ensure I recommend a loan which is appropriate (in terms of size and structure), is affordable, applied for in a compliant manner and meets your set of objectives at the time of seeking the loan.”

    We are serious business owners and take pride in looking after our clients for the long term.

    Our focus is on our clients, and we pride ourselves on our core values

    • We understand and value our clients
    • We are positive and enthusiastic
    • We are client-focused and take the time to get to know YOU
    • We provide exceptional, efficient one to one service
    • We act with professionalism, honesty and integrity

    We promise to provide a service based on integrity and a genuine interest for our clients in assisting them with all their financial needs by utilising our resources of financial and insurance products.

    After your loan has settled – we don’t just disappear! We are still around to answer your questions and keep you up to date with what is happening in the property and home loan market.

    Services

    • Guarantor Home Loans
    • Business Loans
    • 10% Deposit Home Loans
    • Refinance Home Loan
    • 5% Deposit Home Loans
    • Low Doc Home Loan
    • First Home Buyer Home Loan
    • Commercial Loans
    • Investment loans
    • Personal loans
    • Self-Employed Home Loan
    • Fixed-Rate Home Loans
    • Insurance
    • Info Sessions

    Why Choose Us?

    As experienced mortgage brokers, we understand how confusing the process can be – especially for Melbourne first home buyers. Sifting through the different lending requirements, the changing grants and bonuses, and the complex terminology and fine print can be overwhelming.

    When you put this process in our hands, we bring our years of experience – and many contacts – to the task so you can find the right product without going through the hassle yourself. This saves you time and reduces your risk of being declined, as we know which lenders’ credit policies and restrictions will work in your situation.

    Our mortgage broker in Melbourne can also save you money by negotiating discounts where possible and educating you on how to use home loan products to pay less interest to the bank. And we back all this with comprehensive support that lasts from your first enquiry right through to after your loan is settled.

    Scroll to Top