Melbourne's Best Independent Mortgage Broker - available 7 days a week

Best Mortgage Broker 2023-2024

Unbeatable Deals And Service

We are proud to be voted mortgage broker of the year. Let us show you how to unlock the door to your financial dreams with our personalised mortgage solutions. Your goals are our top priority.

With access to over 2,650 products and 42 lenders, we’ll secure an unbeatable deal and banish the stress of finance. Trust the Best Mortgage Broker of 2023-2024, voted by an elite panel. Let us make your dreams a reality!

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

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Independent Mortgage Broker

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


Chat to our experts

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.


Call Us to talk to a Broker

Call us now on 03 8804 1354 to talk to an experience independent mortgage broker in Melbourne, and we can help you achieve your financial goals


Enquire today to speak to a lending specialist

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

Your Mortgage Broker helping you

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.


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 Independent Mortgage Broker  negotiate a competitive rate.


Interest rates are rapidly rising, and now is the time to save money on your home loan. What If We Finance will guide you, support you, and help you find an unbeatable home loan deal starting from 5.84% pa

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 lending 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 achieve your financial dreams. Only a Independent Mortgage Broker can be impartial.


See What Our Clients Are Saying about our
Independent Mortgage Broker financial services

family enjoying in new home

Mortgage Broker FAQ's

What is a mortgage broker?
What If We finance is mortgage broker who has been rated the best mortgage broker of 2023 and is available 7 days a week to help you find an unbeatable deal. Our service is free and since 2008 we have helped home loan refinancers, home buyers and property investors . Your experience financial 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 Melbourne mortgage brokerMelbourne 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 From other MortGAGE BROKERS.
  • 100% independent mortgage broker Melbourne

  • 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  Mortgage Broker 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 lender 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 accreditation with the Mortgage Finance Association of Australia (MFAA).

We have leading industry experts with over 25 years of finance experience, and degrees qualified in economics, finance and mortgage broking. Our services are 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 Independent 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.
We help you understand your borrowing power.
We discover and find loan products that suit your situation
You get educated about your loan and show you how to pay it off faster
We inspire you to dream "what if....." for life's changing events.
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


Chat to a broker

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


Call Us

Call us now on 03 8804 1354 to talk to an experience independent mortgage broker in Melbourne, and we can help you achieve your financial goals



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

177 reviews on
Adam Smith
Adam Smith
December 3, 2023
I initially engaged Spiro (What if we Finance) back in Sept-22 when I was first looking into possibilities of buying a property. As part of my due diligence I met with several well reviewed Mortgage Brokers at the time, however, not one of them were as clear at walking me through the process and clarifying my personal borrowing power vs buying objectives as much as Spiro did. I knew after the initial discussion that he was “the one” and based on our chat he made it clear that in order to meet my borrowing objectives my deposit may be a limiting factor. Well, one year later and with a bigger deposit, I got back in contact in order to officially start the process. Impressively, Spiro remembered me and we continued our discussion by going through everything in detail once again based on current market conditions. His process and tools made the entire process smooth, stress free and easy to understand, and I felt very confident knowing Spiro was my trusted advisor and would be able to handle any issues which may arise. This was especially reassuring considering the many other challenges one needs to face when searching for and buying a property. Overall, I have no hesitation in recommending Spiro and would definitely use him again when buying our next property. If anyone is out there sifting through the thousands of mortgage brokers, I suggest you add “What If We Finance” to your shortlist and book in a chat with Spiro.
Catherine Serpell
Catherine Serpell
November 17, 2023
My partner and I have had a great experience with Spiro! From start to finish, Spiro guided us through the process seamlessly, ensuring a smooth experience. We've really appreciated his reliability and patience in answering all our questions. We highly recommend Spiro to anyone seeking a trustworthy mortgage broker.
Evan Pash
Evan Pash
November 17, 2023
I recently had the pleasure of working with Spiro and his team and cannot express how satisfied I am with the exceptional service provided. From the initial consultation to the closing of my mortgage, the experience was nothing short of outstanding. Spiro demonstrated an impressive level of expertise and professionalism throughout the entire process. They were attentive to my specific financial needs and took the time to explain complex mortgage terms in a way that was easy to understand. The personalised approach made me feel confident and well-informed at every step.
Lucas Hunter
Lucas Hunter
November 14, 2023
Great service from Spiro and the team, assisting us at every turn to find our first home and organise our loan. Very knowledgeable and fast turnaround, thank you!
Burak Guven
Burak Guven
November 7, 2023
Amazing service. Entire process was seamless. Couldn’t be happier with the outcome of my loan application. Spiro is an absolute expert at what he does.
Wesley Loh
Wesley Loh
October 12, 2023
Sprio came to the rescue after an Aussie Home Loans broker put our purchase in jeopardy through his shocking negligence (convinced us of a loan product and its preapproval, only to learn that the product had a loan limit he was unaware of). Not only did Spiro find another product that fit, he successfully negotiated a lower rate for us. To get us over the line, Spiro worked night and day (we got emails at 5am, and he was available on phone and video call late into the night whenever we needed him), and even put in hard hours on AFL Grand Final weekend. The biggest compliment I can give is that Spiro always had things under control and made us feel like we were in safe hands. His expert knowledge combined with his incredible level of ownership gave us peace of mind in a stressful and time-sensitive situation. Thanks for your hard work and dedication, Spiro. We're so grateful that we found you.
Olivia Simpkin
Olivia Simpkin
October 12, 2023
I could not recommend Spiro and his team highly enough. Our experience has been wonderful from start to finish. We actually had a broker when we started the purchase of our new home, but he made a very large mistake that put us and our offer in jeopardy. We quickly moved to Spiro to see if he could help and he was able to turn everything around and fix the problem without hesitation. His knowledge and experience as a broker is exactly what you need when you are going through the stressful experience of purchasing your first home. He always answered the thousands of questions we threw his way, and he worked all hours of the day (even going so far as working on public holidays, when he was ill, and when his loved one was ill) just to ensure our deal went through. Regardless of what issues appeared (and with the banks behaving so poorly there were a few out of our control), he worked tirelessly behind the scenes to smooth everything out. He was also always very open with his communication, explaining all the broker jargon to help my understanding, and updating us consistently on how matters were going so we never felt blind. Thank you Spiro for all your help, we couldn't have done it without you.
Tony Wood
Tony Wood
October 9, 2023
Spiro & the What If We Finance team are experts in all aspects of lending from Purchase/Refinance of Owner-Occupied properties through to Investment & Self-Employed Lending.
Brittany Olver
Brittany Olver
September 21, 2023
Our experience with What If We Finance could not have been more positive. Spiro took the time to listen to our goals, offer sound and clear advice, whilst also answering our questions in an extremely professional and timely manner. Most importantly though, Spiro got the job done. Having had disappointing experiences with other brokers, we were left feeling as if maybe purchasing a property was out of our reach. Spiro however, provided us with a breath of fresh air, through his positivity and pro-active approach. Now, my fiance' and I are the happy owners of our new home and incredibly excited to build our future here. We have Spiro and the team at What If We Finance to thank for that!
Steven Frantzis
Steven Frantzis
September 9, 2023
Grateful of the service provided by Spiro and the team at What If We Finance. Clear example of expertise, highly recommend!