What if We Finance: Melbourne’s Best Independent Mortgage Broker

Whether you are looking to buy your home, refinancing or investing in property, we are the mortgage broker you need in Melbourne – at your service 7 days a week, offering unbeatable service and advice. Our expert, independent mortgage broker makes finance simple so you can concentrate on the important things.

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Melbourne’s Best Independent Mortgage Broker

What If We Finance, is Melbourne’s Best  Independent Mortgage Broker and we can quickly help you buy a home or refinance your existing home loan. What If We Finance is not owned by a bank and we do not sell our own home loans. We do not promise to compare hundreds of home loans in minutes or talk about our calculators. Everybody does that! 

Our only focus is to help you achieve your financial goals.

Your What If We Finance Mortgage Broker will provide independent and objective advice and recommendations. We not only work with the bank but will also partner with your accountant, solicitor/conveyancer or any of your advisers to make your financial possibilities come to life.

What If We Finance works with  40 plus lenders and has access to more than 2,200 home loan products which are available on the market today.

Contact us today to find an unbeatable deal.

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melbourne mortgage brokers

We take the stress out of finance 

Your What If We Finance mortgage broker is available 7 days a week over email, video conferencing, phone or in person to discuss your needs and guide you to buy your home or refinance your home loan.

We will do all the legwork for you and be there every step of the way to help you achieve your finance goals.

No question is too hard and whether you’re a first home buyer, property investor or self employed we are available 7 days a week to help you achieve your dreams.

Contact us today and we will help you achieve your financial goals.

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Trusted Home Loan Mortgage Broker for Melbourne’s CBD

What If We Finance has been operating since 2008 and is a member of the Mortgage Finance Association of Australia and holds its own Credit License. Our mortgage broker has over 25 years of experience in finance and is available 7 days a week to help you achieve your goals.

What If We Finance your mortgage broker is available 7 days a week 8:30am to 9:30pm to help you buy a home, refinance or invest in the best property across Melbourne. 

As part of our service we will:

  • Help you refinance and ensure you are getting the best deal possible
  • Negotiate with the banks to find you an unbeatable deal
  • Work with your lawyers, accountants conveyancers and banks to organise finance
  • Take care of all the paperwork for you including the First Home Owners Grant
  • Take the stress out of finance and let you focus on what is important to you

Contact us today and we will help you achieve your financial goals.

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The What If We Finance Advantage

melbourne mortgage brokers
  • Speed –What If We Finance can respond to queries or meet 7 days a week even after hours! Depending on your circumstances loans can be approved within 1 day.


  • Simple communication – We will explain your finance options in simple terms free or jargon with the goal of taking the stress out of finance so you can focus on the important things.


  • Convenience – Our mortgage brokers are flexible with their hours and available during the weekends. We can meet at a time or place convenient to you – or even through online messaging and video conferencing apps!

  • Expertise – Our experience, knowledge and knowledge of finance allows you to confidently know you can secure finance if you follow our advice. We help home buyers, home loan refinancers and self employed borrowers.
  • 7 Days a Week – Other providers of independent mortgage broker services in Melbourne are not available 7 days a week. Neither are banks! At What If We Finance, meetings with clients can be done over the phone, virtual, email or in person any day of the week.

  • We are 100% independent – We are not owned by a bank nor do we have "arrangements" with accountants, lawyers or real estate agents.  We do not pay for loans to be referred and our only goal is to help you achieve your financial dreams.

  • Services are Free – Our services are free! We won’t charge you for our time or any of the solutions we offer. We’re completely transparent with our work and ensure there are no surprises on closing day.
melbourne mortgage brokers

Our Process for Mortgage Success

Step 1

Fill out our website’s contact form.  We will contact you within a few hours.  You can also choose to call our landline number to directly speak with one of our mortgage brokers.

Step 2

Meetings can be scheduled over phone, email, video conferencing app or in person.

Step 3

We listen to all of your queries, concerns and goals. Afterwards, we will provide you with valuable advice on lending or seeking your first home.

Step 4

We will guide you throughout the different phases in the mortgage loan process: pre-approval, shopping for a house, applying for a mortgage and all the way to settlement. We take the stress out of finance  in Melbourne with our independent mortgage broker services.

Why we are the Best Independent Mortgage Broker

The first class service we offer is reflected in our leading Google Reviews and Word of Mouth Online Reviews.
Feel confident that your mortgage is in reliable hands.
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See What Our Clients Are Saying

  • I begun my application for a mortgage to buy my first home as a single right in the heart of a pandemic, and while my work circumstances were all up in the air. Naturally, these circumstances were not ideal, and because of this other brokers I contacted didn't want to work with me. When I initially contacted Spiro, he instilled me with confidence - he assured me to not worry and that I would be approved for the mortgage I needed. He was someone that I could trust to sort everything out on my behalf and the entire process of getting a mortgage was stress free for me. Spiro has a wealth of information and experience and this shows through the way he operates. The service he provides is not something you would receive from your run-of-the-mill broker - he is truly exceptional. I couldn't be happier with the service I received. Every step of the process was handled professionally but also personably. I look forward to working with Spiro again in the future when I decided to refinance. I highly recommend his services, and will be referring friends, family, and colleagues. Thank-you Spiro and Agnes at What If We Finance!
  • Thank you to Spiro and Agnes for the exceptional service received, especially during these challenging times. They were prompt to solve all of my queries and the communication was beyond excellent. They guided me at every step of the way and made the entire process feel like a breeze. Will recommend them to all my friends, colleagues and relatives.
  • I first made contact via telephone and was looked after by Spiro and his team. From that very first moment they were able to attend to my needs and solve my queries in a knowledgeable and professional manner. Their personal approach and excellence in customer service is what ultimately made the decision of choosing them over their competition very easy. Much recommended. Thank you once again Spiro and Team.
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Why Choose Our FREE and Comprehensive Mortgage Broker Services?

Our service is free and more importantly and we are the best independent mortgage broker in Melbourne. We are not owned or associated with any bank, lawyer or real estate agent. Our sole goal as your mortgage broker to is to make your dreams come true.

Our services can help you:

  • Buy your home – Contact us today to buy your first or subsequent home
  • Invest in property including property development small or large
  • Refinance with unbeatable deals starting from 1.79% pa

We offer unbeatable service and deals

We work around your schedule to help you arrange a mortgage that suits your needs, no matter how unique or complex. Download our leading mortgage broker application today and have 24/7 access to unbeatable deals and your own personal broker.

Contact us through our online enquiry form or call on 03 8804 1354 to find an unbeatable deal.

Request An Appointment

Contact Us today and we will be in touch to find you an unbeatable deal starting from 1.79% or even up to $4500 cash back.


  • 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.
    Friendly and our mortgage broker went beyond the call of duty
  • I am a first home buyer so I had very little knowledge about how the process worked. I can’t imagine how I could have done this without him. Spiro visited me at my home several times and made sure I was aware of everything that was going on. I couldn’t recommend him highly enough. Thank you for helping to make my dreams come true.

Frequently Asked 

What is a mortgage broker?
What If We finance is a mortgage broker who is also Melbourne's leading  independent mortgage broker and is available 7 days a week. Our service is free and since 2008 we have helped home loan refinancers, home buyers and property investors find an unbeatable deal. Your mortgage broker What If We Finance does all the legwork and we take the stress out of finance so you can focus on the important things.
Why use a mortgage broker?
Melbourne's best mortgage broker What If We Finance helps you save both time and money. Our service is free, we are available 7 days a week and we help you find an unbeatable deal.We provide you with access to different lenders, rates and loan types — offering you options that a traditional bank cannot. Once you choose a loan that suits your specific needs, a mortgage broker ensures things happen on time and you’re fully informed at every step of the process.
What makes What If We Finance different?
We are available 7 days a week to meet and discuss your needs. We can meet anywhere convenient to you: be it at your home or in our CBD office during business hours. We also hold our own accreditation with the Mortgage Finance Association of Australia and Credit License with ASIC.
Does What If We Finance charge fees?
Our services are completely free of charge. We are paid a fixed commission fee by the lender of your choice, fully disclosed to you.
Does What If We Finance provide an ongoing service or do you just help me get to settlement?
At What If We Finance, we don’t forget you after your loan has settled. We will continue to be there for any concerns or queries on your part. We can also help you switch products or modify your loan. Each year, we review your loan to see if it still suits your needs. If it doesn’t, we do our best to negotiate and secure a better rate from your lender.

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