Your unbeatable independent mortgage broker

Mortgage Broker What If We Finance is here to help you achieve your goals. We take the stress out of finance and give you time to focus on what is important to you.

The What If We Finance  service is free and more importantly we are independent. We are not owned by a bank, affiliated with a real estate agent, builder or accountant. We specialise in getting you the best deal and make your needs our number one priority.

With over 22 years of experience we can help you secure finance whether you are self employed , working for someone else or just starting out.

We are here to help you:

Our  first class customer service is reflected in our leading Google Reviews and Word of Mouth Online Reviews.

Contact us today through our online enquiry form  or  on 03 8804 1354 to find an unbeatable deal starting from 3.58% pa.


Your mortgage broker available 7 days a week with first class communication and service. See what our customers say

We couldn’t be more pleased with the service we received from What If We Finance. Although we weren’t first time home buyers, we were nonetheless very grateful for the expert guidance that we received throughout the process, and for the work that Spiro did on our behalf.

The process of getting finance was smooth and transparent, and indeed, when there were potential issues with the conveyancing process, the fact that Spiro was acting on our behalf to chase up missing documents gave us confidence that all would be OK.


I would say don’t even think of going anywhere else for your finance needs. Spiro walked me through the process of getting a mortgage from start to finish and reassured me at every turn. He exudes expertise and confidence in what he does and I really felt that I was in the best hands, and of course I was! A real gem. I shall be going to him for all my finance needs in future. Only 3 weeks until I move into my new home. Thank you so much, Spiro….


Brilliant service!!

I am extremely impressed with the level of professionalism and quality of the service that I received. Spiro has been absolutely great. He offered advice and help which extended beyond the call of duty. I was kept informed of the progress of my finance application at every stage of the process.
If you are looking for excellent service and advice, I would strongly recommend that you use this broker. Definitely the best decision that I have made.


Spiro was terrific to work with, providing timely and thorough advice at any hour of any day. I’ve never met someone who works so hard and come settlement he bent over backwards to ensure my finance went through. Would recommend without hesitation and will definitely be making another phone call to Spiro when it comes time to buy another property.


We were very happy with the personalised, friendly and professional service we received from What if We Finance. From our first meeting with Spiro, we were impressed by his attention to detail, calm manner and willingness to listen to us and follow up any concerns we had. Our mortgage was seamlessly completed despite moving interstate halfway through the process, and Spiro was the source of much invaluable advice and reassurance. Highly recommended!


As everyone else has said – our experience with Spiro was fantastic. He was very responsive and accommodating. He helped us with financing for a beach house and at the same time helped us refinance our investment property. He made everything very clear and gave us all of the information we needed to make informed decisions. He chased up the bank when needed and everything with settlement went smoothly. We are now using him again to purchase an ‘off-the-plan’ property. If you are looking for someone to help you out with a mortgage, I highly recommend Spiro.


After shopping around and talking to a number of mortgage brokers I came across from What If We Finance. Nothing was too hard, they were always available and found me an awesome deal. They are high recommended and their direct communication style and patience is highly valued.

Sophia, Your Content Goes Here

After several meetings with other brokers I came across What If We Finance and I was extremely impressed with te professionalism, communication and proactive manner of the team. Spiro was able to understand my needs and clearly communicate the most suitable loan and also save me money. What If We Finance is highly recommended.

Stathis, Your Content Goes Here
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