Melbourne’s Best Independent Mortgage Broker – available 7 days a week

Melbourne’s Best Independent Mortgage Broker

What if we... Buy a home Buy our first home Build a new home Are buying at auction Refinance our home loan Are self employed Have bad credit

Unbeatable deals and service | 7days a week | we make finance simple

We deliver personalised financial solutions to help you achieve your financial dreams.

We make your goals our number one priority.  With access to over 2,000 products and 40 lenders, we will find you an unbeatable deal and take the stress out of finance.

We are available 7 days a week 8.30 am to 9.30 pm

01

Chat to a broker

Our independent mortgage broker is available to chat to you online and help you find an unbeatable deal. Talk to a real mortgage broker today.

02

Call Us

Call us now on 03 8804 1354 to talk to a mortgage broker Melbourne and we can help you achieve your financial goals

03

Enquire

Alternatively, provide your contact information and a mortgage broker will contact you as soon as possible.

ARE YOU A …?

Home Buyer

Our home loan broker in Melbourne will guide you through every step of the mortgage process, helping you gain peace of mind with expert advice and support. We’ll find the best home loan to suit your needs and help you with all things finance-related.

Property Investor

Buying an investment property is a powerful wealth creation strategy. Access hundreds of investment property loans from our wide choice of lenders. We will shop around for you and let our investment property mortgage broker negotiate a competitive rate.

Refinancing

With so many great offers available and interest rates at an all-time low, there’s no better time to refinance your home loan in Melbourne. Do it with the guidance and support offered by What If We Finance. We’ll make sure you find an unbeatable deal, starting from 1.79% p.a.

Why What If We Finance?

  • Speed : we work quickly 7 days and week and can get finance approved in 1 day (depending on your circumstances).

  • Simple communication : simple, direct jargon-free communication

  • Flexible : Our mortgage brokers can meet at a time or place convenient to you or even through online messaging and video conferencing apps!

  • Expertise : 20 plus years of experience and detailed knowledge will deliver the results you need.

  • 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.

Testimonials

See What Our Clients Are Saying

family enjoying in new home

Mortgage Broker FAQ

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.

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.

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.

Our services are completely free of charge. We are paid a fixed commission fee by the lender of your choice, fully disclosed to you.

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.

What makes us different?

  • 100% independent mortgage broker

  • Access to 2,000 plus loans and 40 lenders

  • Available 7 days a week​

  • Simple, clear and ongoing communication​

What If We Finance

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.

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 that are available on the market today. Contact us today to find an unbeatable deal.

Mortgage Broker Melbourne What If We Finance was established in 2008. . We hold our own Credit Licence with ASIC and accredit ation with the Mortgage Finance Association of Australia (MFAA).

We have leading industry experts with over 25 years of experience in finance, and degrees qualified in economics, finance and mortgage broking. Our service is free. We will not charge you for our time or any service we offer. So let us as your mortgage broker advise you on the appropriate loan and we will do all the legwork for you.

We pride ourselves on knowledge, experience and ability to find you an unbeatable deal quickly and efficiently. Come and experience the What If We Finance Mortgage Broker difference.

What If We Finance aims to make finance simple and help customers buy a home, refinance or invest in property.

We take the stress out of finance so you can focus on the important
things.

What If We Finance is built around the following core values:

  • Excellence in customer service and experience
  • Integrity
  • Transparency
  • Single Minded

We invite you to ask us "What If We Finance.”

Benefits of our mortgage broker service:

We learn and understand your needs and goals.
100%
We help you understand your borrowing power.
100%
We discover and find loan products that suit your situation
100%
You get educated about your loan and show you how to pay it off faster
100%
We inspire you to dream "what if....." for life's changing events.
100%

Forget about financial stress from now on

Buy a home with confidence

Industry Latest News & Blogs

We are available 7 days a week 8.30 am to 9.30 pm

01

Chat to a broker

Our independent mortgage broker is available to chat to you online and help you find an unbeatable deal. Talk to a real mortgage broker today.

02

Call Us

Call us now on 03 8804 1354 to talk to a mortgage broker Melbourne and we can help you achieve your financial goals

03

Enquire

Alternatively, provide your contact information and a mortgage broker will contact you as soon as possible.

EXCELLENT
176 reviews on
Matthew B
Matthew B
2022-06-05
Looking at the reviews for What If We Finance, it comes at no surprise to see so many 5-stars. Spiro handled the mortgage part of my girlfriend and I purchasing our first home. He made himself available to us around the clock and ensured that we were across the entire process and felt as comfortable as possible. We're very fortunate to have gone about buying our first home with Sprio and we'd be more than happy to use him for future purchases and to refer on to family and friends. A big shout out to Agnes also who busily works away in the background and also does an incredible job. You guys are the best!
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hari gowtham
hari gowtham
2022-06-03
Very happy with the results from Spiro from start to finish. Spiro and his team are very knowledgeable and have a very quick turnaround time. Couldn't be more happier with the service. Definitely my go-to person for upcoming purchase.
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Gary Shekhter
Gary Shekhter
2022-06-02
Great broker and trustworthy. Honestly had seen 5 brokers and fund this wonderful guy. Who helped from start to finish fast and had our loan in no time at all. Thank you again champ you did an amazing job
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Leonie Kemp
Leonie Kemp
2022-05-29
Thank you Spiro and Agnes for helping with the purchase of my first home. I needed to arrange finance quickly and Spiro did a fantastic job letting me know the best options for me and pushing to get the pre-approval so I didn't miss out on purchasing my home. Everything went very smoothly, thanks for helping make my first property purchase straightforward.
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S S
S S
2022-05-28
Thank you Spiro and team for your help in financing the mortgage for the recent property purchase. Spiro provided timely advise, guided me on the process and was swift in processing the documents. His friendly attitude makes the process even better. Thank you once again.
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Anita Naughton
Anita Naughton
2022-05-27
As a first home buyer I had very limited knowledge on what I needed to do. I searched for a broker and What if we finance stood out due to reviews. I had my first session with Spiro and never looked back! The whole process was seamless, I felt supported and could always connect with Spiro when needed. Spiro and Agnes are experts in what they do and I would highly recommended anyone looking for finance to choose What if we finance. I will be a lifelong customer and look forward to buying our next house with their support.
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Mahmoud Al Kilzi
Mahmoud Al Kilzi
2022-05-25
Spiro & his team did a great job by getting my loan sorted in time. I would recommend them to family & friend. Great work guys much appreciated.
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Rebecca Zeeman
Rebecca Zeeman
2022-05-20
Spiro and Agnes provided great help and advocacy in getting us our home loan. We felt they were always available and were super efficient in getting it all done on time! The process was so simple and without stress thanks them both.
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Irish Azcuna
Irish Azcuna
2022-05-09
I can’t thank Spiro and Agnes enough for making my first home purchase so efficient, stress-free and seamless! If I could give more than 5 stars I would. As a first home buyer applying for one or the government’s schemes, my situation would have been so complicated that I never imagined being able to complete the process in such a short time. Spiro’s in-depth knowledge, invaluable and always-available support, and genuine willingness to help get me the right mortgage for my situation, made everything possible. His pragmatic advice even helped me decide on the right property for us, which would help us achieve our long-term goals. I highly recommend Spiro and his team. We will definitely engage their service again for our next property. They are the best!
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Renee Briggs
Renee Briggs
2022-05-02
Spiro is reliable, has your best interest as his top priority and is fast to get great results. We wouldn't ask anyone else for their professional opinion- Spiro is the best in the business.
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