Melbourne’s best independent mortgage brokers and advisors

Getting a mortgage is necessary for many of life’s most exciting endeavours, but it can be hard to know how to get the best loan for your situation with so many options available. With so much small writing and obtuse language, it can be hard to know what is truly the best deal for you, and what simply sounds like it.

What If We Finance is the trusted independent mortgage brokers and home loan advisors in Melbourne’s CBD and beyond, dedicated to securing you the best loan possible. We help clients negotiate deals for a range of investments, such as home loan dealsrefinancingproperty investmentsbuying a home, and more.

Trusted home loan mortgage brokers for Melbourne’s CBD best properties

What If We Finance, home loan brokers, is available 7 days a week 830am to 930pm to help you buy a home, refinance or invest in the best property across Melbourne and the CBD.

With over 22 years of experience and over 35 lenders available we do all the leg work to find you an unbeatable deal.

As part of our service we will:

  • 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

Our mortgage brokering services are free and comprehensive

The What If We Finance service is free and more importantly, we are the best independent home loan mortgage broker in Melbourne’s CBD. 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:

Download our leading mortgage broker application today and have 24/7 access to unbeatable deals and your own personal broker.

The first class service we offered is reflected in our leading Google Reviews and Word of Mouth Online Reviews.

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

Our testimonials and reviews 

We were extremely impressed with the professionalism and super efficient communication delivered by What If We Finance. From our first contact on a Sunday the team was always available to answer questions and their guidance and ability to deliver quickly was greatly appreciated. We had a very short settlement and the team made what was a complicated process stress free and very efficient. Look no further if you need an exceptional broker who gets this done!


Having dealt with a number of mortgage brokers but Spiro and the team were by far the most professional. I used them to refinance and found the service super fast and very proactive. Nothing was too fast and they were able to adapt quickly to my needs and offer proactive active and guidance. If you are after a mortgage broker who gets things done look no further.


From our very first interaction the service from Spiro was prompt and efficient. Calls were returned quickly, options were presented and no question was too hard. We were really impressed with patient and open approach Spiro employed and most of his ability to explain complex concepts in simple terms.

Thank you for a pleasant experience!


I would say don’t even think of going anywhere else for your finance needs. 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. Thank you so much, Spiro….


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.


Spiro knows his stuff- I had a very short settlement period and other brokers I shopped around with not only offered higher rates, but also stoked some panic with the 30 day settlement period.

Out of 3- 4 brokers I went to, Spiro got me the lowest rate, and in his words “has never missed a settlement” which held true.

Completely recommend him.


Brilliant Mortgage Broker – as a property investor who owns numerous properties with complex structures all I can say is Spiro was fantastic. From the very beginning Spiro and the team took the time to understand our needs, advise on the best way forward and delivered the results. The service has been fast and efficient and proactive. What If We Finance is highly recommended and we will be using the service again and again and again..


What If We Finance found me a home loan in a difficult situation where others couldn’t. They were helpful and had great communication. Would highly recommend to anyone


I was a first time buyer, and although I did a bit of research, I had lots of questions about going through the buying process. Spiro had a lot of time for me right through until the end when my purchase finalised.
Even when it looked like a lender was causing issues with my pre-approval, Spiro was already searching for alternative offers and in the end negotiated a better deal. It was a huge relief having someone proactive who calls you with updates too, instead of having to chase people all the time. Sprio was fantastic in this regard, and I highly recommend giving him a try.
I’ll definitely be calling him when I need further mortgage advice or refinancing in future.


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.

Many thanks, and highly recommended.


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.

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