A home loan should fit your life — not run it. We help first home buyers, investors, refinancers and self-employed borrowers get straight answers, move quickly, and land the right loan from 50+ lenders. That’s the What If We Finance difference: mortgage your house, not your life.
Speak with an experienced mortgage broker online at a time that suits you. Get clear advice and explore your options quickly.
Need answers quickly? Call us on 03 8804 1354 and speak directly with the best Melbourne mortgage broker today.
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Our experienced mortgage brokers make buying your first home a breeze! With a first home buyer mortgage broker from What if We Finance, you’ll enjoy expert guidance, competitive rates, many lenders, and seamless support every step of the way. Let us help turn your dream of owning your first home into an exciting reality!
Our SMSF mortgage broker provides expert, easy-to-follow guidance to ensure compliance and smart strategies for property purchases within your self-managed super fund. Let us help you optimise your financial future with tailored SMSF mortgage solutions for your investment goals.
Take control of your finances with our refinance mortgage broker. We’ll review your existing mortgage and financial position to find better lending options for the right home loan, and secure lower rates – giving you greater financial flexibility and reduced repayments.
Whether you’re a first home buyer or an eligible professional, our expert finance brokers specialise in securing no LMI home loans, helping you save big by avoiding unnecessary fees. More savings, fewer hassles – what’s not to love?
Being self-employed shouldn’t mean your home loan journey is complicated! Our mortgage broker for self employed borrowers offers tailored solutions to suit your unique income structure. We’ll help you access competitive mortgage options with a particular lender with no unnecessary hurdles, just straightforward support to make your homeownership goals a reality.
Expand your property portfolio with the expert guidance of our investment property mortgage broker. Our investment mortgage broking specialist provides personalised solutions tailored to your financial goals, helping you secure the right loan to maximise returns. With our guidance, navigating Australia’s property investment market becomes simple and stress-free. Let us help you build wealth through smart property investments!
At What If We Finance, we make the home loan process simple, stress-free, and tailored to you. Led by award-winning broker Spiro Kolokithas, we combine over 25 years of experience and a genuine commitment to delivering the right outcome for every client.
Our service is completely free and we’re available 7 days a week – meeting you at home, in our Melbourne CBD office, or online for your convenience. With access to a wide panel of lenders, rates, and loan options, we give you more choice than the big banks ever could.
Recognised with the MFAA Customer Service Award for Victoria and as one of Australia’s first brokers to earn the prestigious Mortgage Finance Professional Australia (MFPA) designation, What If We Finance is trusted by clients across Melbourne for expert, ethical and client-focused advice. Backed by 311+ five-star Google reviews, the What If We Finance team is proud to set the benchmark for professionalism in the mortgage industry. From first-home buyers to complex income and investment loans, we make sure everything runs smoothly and you’re supported at every step.
What If We Finance is one of Melbourne’s leading mortgage brokers, helping you secure your dream home or refinance your loan quickly and stress-free.
We are not tied to any banks, which means our only priority is finding the right loan for you. With access to over 50+ lenders and 2,000 home loan products, we will compare options to get you an unbeatable deal.
Our dedicated mortgage broker helps Melbourne locals with an accountant, solicitor or conveyancer to make the process seamless from start to finish.
Contact us today and see why Melbourne homeowners trust us to make every step of the home loan journey easier.
“What If We Finance: Turning Your ‘What Ifs' Into ‘We Did It'!”
Benefits of our mortgage broker service:
A mortgage broker is your go-to expert when it comes to finding the right home loan. Acting as the middleman between you and the banks, a licensed mortgage broker in Melbourne compares loan products from multiple lenders, saving you time, money, and stress. They review your financial situation, provide tailored mortgage solutions, and guide you step by step through the process. Best of all, their service is free as brokers are paid by the lender once your loan settles.
We provide a wide range of options, including variable rate, fixed rate, and split loans. As finance brokers, we also assist with investment property loans, commercial property loans, SMSF loans, and renovation loans, ensuring you get the right loan for your financial goals.
Refinancing your existing mortgage can unlock lower interest rates, reduce monthly repayments, and give you access to equity for renovations or your next investment property. It can also consolidate debts into one simple repayment. Our brokers compare loan options from leading lenders to secure the most competitive deal.
Yes. We specialise in investment property loans and work with investors to build and expand their property portfolios. Our team provides expert advice on structures, tax considerations like negative gearing, and finding the most suitable loan products for your strategy.
We make the entire process easier for first-home buyers. From checking borrowing capacity and arranging pre-approval to explaining the federal government’s incentives and grants, our experienced Melbourne mortgage brokers ensure you make informed decisions at every stage of your property journey.
We are an award-winning team of experienced mortgage brokers in Melbourne, led by Spiro Kolokithas. With access to a broad panel of leading lenders, we provide tailored advice, competitive rates, and complete transparency. Backed by 282+ five-star Google reviews and the MFAA Customer Service Award, we have a proven track record of delivering great results.
Interest rates directly impact your borrowing capacity and monthly repayments. Our team monitors Reserve Bank announcements and market movements to make sure you are always matched with competitive interest rates and loan structures that fit your financial goals.
It starts with an initial consultation to assess your financial position. From there, we handle loan comparison, recommend the right lenders, prepare your application, and manage the process right through to settlement. You will have ongoing support from your broker the entire way.
Most lenders require a deposit of 5 to 20 percent of the property’s value, depending on your circumstances. As experienced home loan brokers, we guide you through lender requirements and help you explore options such as guarantor loans to reduce or avoid deposit hurdles.
Lenders Mortgage Insurance is required when your deposit is less than 20 percent of the property’s value. It protects the lender if you default, but it does not cover the borrower. We explain when LMI applies, how it affects your repayments, and strategies to minimise or avoid it.
We can consolidate your credit cards, car loans, and personal loans into a single home loan. This often means a lower interest rate, simpler repayments, and a better overall financial position. Our brokers ensure you are matched with the right lender for your needs.
Our difference lies in our award winning, customer-first approach, and proven results. With over 282 five-star reviews, award-winning service, and access to a broad range of lenders, we are trusted as one of the best mortgage brokers Melbourne has to offer.
Negative gearing occurs when your investment property expenses outweigh rental income, creating a taxable loss that may offer tax benefits. We explain how this works and what it means for your property portfolio.
Positive gearing is when your investment property income is greater than expenses, generating profit. We advise on how different loan structures and interest rates can impact your cash flow.
Pre-approval means a lender has assessed your financial situation and given you an indication of your borrowing capacity. It allows you to buy at auction or make offers with confidence. Our team ensures your pre-approval is with the right lender for your needs.
Settlement is when property ownership is legally transferred to you. We liaise with your conveyancer, lender, and agent to ensure everything is finalised smoothly and on time.
A conveyancer manages the legal transfer of property, ensuring contracts and obligations are met. We work closely with conveyancers to coordinate finance and legal requirements.
A private sale involves direct negotiation, while an auction is competitive bidding above reserve. We prepare you for both, ensuring finance is ready and pre-approval in place.
Yes. We provide expert advice on pre-approval, explain auction terms, and make sure your finances are ready so you can bid with confidence.
There is no single best home loan or best lender. The right structure depends on your circumstances, including your income, deposit, cash flow and future
Melbourne’s property market has become more balanced in 2026. After a period of stronger growth, recent data shows some moderation in prices, which means buyers
Key Takeaways Most lenders want a 20% deposit to avoid Lenders Mortgage Insurance (LMI). Eligible first home buyers can get in with just 5% through
Inflation is not falling as quickly as the Reserve Bank of Australia would like. Annual inflation is currently at 4%, while core inflation has climbed to
Australia’s latest inflation figures have eased, but the interest rate conversation is far from settled. Each new data release sparks fresh predictions and market swings,
The outlook for 2026 interest rates has shifted following higher-than-expected inflation data. Annual inflation reached 3.8 percent, mainly due to rising electricity and food costs. Underlying
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Our mortgage brokers are online and ready to assist you in finding the best home loan rates and deals just for your needs. Speak with an experienced home loan broker in Melbourne today.
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Call us at 03 8804 1354 to talk to a mortgage expert in Melbourne. Our mortgage brokers are here to help you secure the most suitable mortgage loans and achieve your financial goals.
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If you prefer, leave your details, and a Mortgage lending specialist will reach out to provide mortgage refinancing advice, to assist first-time home buyers, or discuss competitive mortgage deals. We are a member of the Mortgage broker finance association.
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