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

At What If We Finance, we want to be your partner in making a sound financial decision on this side of the world. As one of the leading mortgage advisors in Melbourne, Australia, we offer to provide the best service for your financial needs. Our years of experience have given us the edge to share with you the best practices when it comes to mortgage concerns. As your mortgage broker in Melbourne, you can fulfill your dreams of owning a home or refinancing your current mortgage on us.

As one of the top independent mortgage brokers in Melbourne, we pride ourselves on our expertise, experience and ability to quickly find you an unbeatable deal. With over 22 years of offering honest and friendly mortgage advice to clients in Melbourne and beyond, we strive to achieve the best outcome for every client that seeks our help.

melbourne mortgage brokers
melbourne mortgage brokers

We take the stress out of finance 

Having a mortgage advisor can help the buying party arrive at a decision faster by making the process a lot less painful while minimising the stress. With a slew of properties available in the market, it pays to have a mortgage broker in Melbourne, Australia! House-hunting can become an exciting adventure with a locally-based home loan broker in Melbourne at your side.

Fortunately, you do not have to do all this by yourself. Our mortgage broker team  does all the legwork for you and we take the stress out of finance so you can focus on the important things finding your next home and getting an unbeatable deal.  With What If We Finance, you enjoy the following benefits: convenient appointments, quick and easy loan comparisons, expert help and  unbeatable service 7 days a week.

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Trusted Home Loan Mortgage Broker for Melbourne’s CBD

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. With over 22 years of experience and access to over 35 lenders, we do all the leg work to find you an unbeatable deal and we are Melbourne leading independent mortgage broker.

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
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melbourne mortgage brokers

The What If We Finance Advantage

melbourne mortgage brokers
  • Speed – What If We Finance takes all the necessary steps to ensure a fast home loan approval. Our independent mortgage broker guides you through the application, makes sure there are no errors in paperwork and generally speeds up the whole process for you.

  • 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 – We take the time to explore all your goals and individual situations. As we have access to a range of loans – from the big four Australian banks to credible lenders and credit unions. We have a big scope so we can find the most suitable loan for you.
  • 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 Make Finance Simple” – We explain the various subtleties of different loan options from various lenders, potentially saving you thousands of dollars in interest repayments and making a big difference to your bottom line. We take all the complexities out of finance and focus on your goals.

  • 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. You will get an automated email response or a text message. We will get to you as soon as we can! 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, processing the loan and underwriting and closing. We ensure a smooth home-buying process in Melbourne with our independent mortgage broker services.

We’re Highly Recommended!

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?
A mortgage broker is a middleman or an intermediary – helping you arrange a mortgage with a lender. They use their expertise and tools to source competitive rates and ensure a smooth process to settlement. A mortgage broker always acts in the borrower’s best interests – understanding your situation and needs before narrowing down your mortgage options.
Why use a mortgage broker?
A mortgage broker helps you save both time and money. They 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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