What if We Finance: Melbourne’s Trusted 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. Our expert, independent mortgage advisors take the hassle out of property investment, home loan deals or buying your home.

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Melbourne’s best independent mortgage brokers and advisors

What If We Finance are the trusted independent mortgage brokers and home loan advisors in Melbourne’s CBD and beyond, dedicated to securing you the best loan possible. We negotiate unbeatable deals for clients for a range of scenarios, 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, are 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 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:

  • 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

Our mortgage broker 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 offer 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 from our customers

 

 

What If We Finance Mortgage Broker
5.0
Based on 134 reviews
powered by Google
Matt Simpkin
Matt Simpkin
18:42 24 Feb 21
The team at What If We Finance recently helped me refinance.My web enquiry was answered quickly and finance options... were presented within the day. Spiro's communication and availability was great and everything went as smoothly and I was kept informed throughout the whole lending process. Overall the process was very quick and they were easy to deal with and always available.read more
Alex Bedrossian
Alex Bedrossian
04:31 17 Feb 21
Thank you for a super fast and simple process. After contacting a number of banks I was concerned finance would be too... hard. Spiro from our first phone call was able to reassure me and guide me all through the process. He was always there to answer any question and nothing was too hard. If you want an awesome mortgage broker look no further.read more
Adam McKenzie
Adam McKenzie
00:04 10 Feb 21
Cannot recommend Spiro & his team enough for the work that they did securing my first home.Spiro and the team were... attentive & very approachable with any question I had & were always working in my best interests.They were always available via phone & email that a time that suited me & would accommodate any request for information that I requiredIf you need any advise or information about lending or seeking your first home I cannot recommend What if we Finance enough.read more
Kassandra Sacco
Kassandra Sacco
05:18 08 Feb 21
Thank you for the awesome service Spiro and Agnes. I could not have not done it with you. Your first class... communication and proactive and fast approach was greatly appreciated.read more
Trevor Hadlee
Trevor Hadlee
04:44 06 Feb 21
Spiro and Agnes went over and beyond to ensure I obtained a great deal when refinancing my home loan. They were also... available, communication was first rate and they made the finance process really easy. Most of all they did all the work for us. Highly recommended.read more
James Smith
James Smith
18:33 13 Jan 21
The team at What If We Finance are super-efficient, fast and always available. They were able to clearly communicate... the best options, did all the running around for me and were able to find me a great deal. Thank you.read more
Henry Coulter
Henry Coulter
02:05 21 Dec 20
I am delighted with the super fast service and responsiveness offered by What If We Finance. They hep me build my first... home and more importantly were able to guide and mentor me through the process. They made it simple for me and thank you!read more
Samuel Brown
Samuel Brown
23:07 05 Dec 20
Spiro has provided wonderful service to myself and my partner in the purchase of our first home.He delivered on... everything he aimed for with us, and even put in extra effort to get us the best rate possible.He was very willing to get on the phone and describe our options in detail, including taking effort to explain where we weren't sure.I would recommend Spiro to anyone purchasing their first home.read more
Agnes
Agnes
11:05 04 Dec 20
Spiro has been a great person to work with. He takes pride in his work. He is hardworking and doing his best to meet... his clients needs. He inspires you to be one like he has become today. He is like a mentor to me. He is considerate of his people well being and appreciates you with what you do.read more
Bipin Chaskar
Bipin Chaskar
06:16 04 Dec 20
Thanks a ton Spiro for your help, support and commitments. 🙏He helped me to select best lender and complete entire... mortgage process very smoothly. Always available to answer my queries. Provided suggestions at every step.You are Jack of all trade 👏Keep the great work.read more
Amanda Ingram
Amanda Ingram
00:09 25 Nov 20
I have had the pleasure of working with Spiro recently and I recommend him and his team highly. They handled my file... professionally and I was kept up to date constantly throughout the entire process. I will continue to refer my friends, family & colleagues to Spiro. Thanksread more
Shaun McTaggart
Shaun McTaggart
19:21 19 Nov 20
Thank you Spiro for your fast and professional help with refinancing our home loan, you went above and beyond what we... expected and will definitely recommend you to family and friends.read more
Litsa Pavlou
Litsa Pavlou
04:39 14 Oct 20
I have worked on conveyancing files with Spiro where he has arranged finance for my Purchaser clients. He is super... efficient and knowledgeable. My clients were well-supported. I was able to get the information I needed from him immediately. He helped me ensure that settlement dates were met. He is one of the best brokers in the business.read more
William Ramirez
William Ramirez
08:50 05 Sep 20
This is our second time we have used What If We Finance as our mortgage broker and there is a reason we keep coming... back. Not only do they know their stuff but they get results. They are super friendly, communication is first class and they really do take the stress out of finance. I cannot speak highly enough of What If We Finance and continue to recommend them to everyone I know.read more
Baker Raymond
Baker Raymond
05:20 03 Sep 20
Thank you for the awesome service. You really made the process of buying my home straightforward and pain free.
Brown Timothy
Brown Timothy
13:12 02 Sep 20
I contacted Spiro on a Sunday and from our first interaction and all the way through to the completion of my refinance... the service was outstanding. Spiro provided continuous communication and contact and everything was explained in plain and simple language. The process was simple and Spiro did everything he promised and more. A brilliant mortgage broker and thank you for everything you have done.read more
Taylor Mark
Taylor Mark
14:16 31 Aug 20
Spiro is one of the best and most attentive mortgage brokers I have had the pleasure of dealing with. He was available... 7 days a week, super responsive and guided us through the entire process. We highly recommend Spiro if you need a mortgage broker.read more
Peter Bay
Peter Bay
11:22 31 Aug 20
We first contacted Spiro to help us finance our new home after being delayed and stuffed around by our bank. We had a... few days to get finance approved and were quite stressed. We appreciated Spiro’s reassuring nature, proactive approach and were delighted to have our home loan approved in a few days. Thank you so much.read more
Clifford French
Clifford French
14:17 30 Aug 20
I found the team at What If We Finance to be super helpful and responsive. They helped me restructure my home loan and... get a way better deal despite all the stress of COVID. Thank you so much.read more
Brian Philipson
Brian Philipson
05:36 30 Jul 20
We can't thank Spiro from What If We Finance enough!!He went above & beyond to help us refinance our interstate... property, with great success & we couldn't be more happy with the brilliant service that we received. We highly recommend Spiro to anyone out there looking for a broker that really cares about helping you & achieving the required result. We will most definitely be using Spiro's awesome services again in the near future & will also be referring him to anyone that we can.Thanks again Spiro for an amazing result!!Brian & Cindyread more
Nate Long
Nate Long
02:56 16 Jul 20
We cannot speak highly enough about the recent experience we had with Spiro at What If We Finance. Firstly, I was... surprised to get contacted on a weekend to have the initial chat. Then from that point, Spiro was able to to quickly ascertain our unique situation and guide us through the entire process to understand all the available options, allowing us to make educated decisions. Spiro was always available, very responsive and highly transparent. Most importantly Spiro was able to secure us a fantastic deal on our first home loan and we have no hesitation in recommending his services to our family, friends and colleagues. Thanks Spiro! Sincerely, Nate and Alex.read more
Omar Hasneh
Omar Hasneh
23:34 09 Jul 20
Professional & convenient service, we couldn’t have purchased our first home without Sprio’s expertise and extensive... knowledge of banks and financial products, Spiro helped us also to refinance the same loan recently and we can't be happier. The process, communication and result was all amazing and very helpful in working out the best option for us. My experience has been overwhelmingly positive, I would highly recommend Spiro, just follow his lead and he will get things done as expected, he is very patient in explaining what is needed to be done at each step, we will not hesitate to use his services again in the future!read more
Thejana Wickramasinghe
Thejana Wickramasinghe
22:50 18 May 20
Spiro secured home loans for both of our properties. He was very attentive and made sure we got the best deal. Spiro... adds so much value with insights to the market based on latest macroeconomic trends. His thorough knowledge, professionalism,proactive nature and most importantly the willingness to go out of his way to help us in a tough situation was truly a rewarding experience. Thank you Spiro!I highly recommend What if We finance to anyone.read more
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