Melbourne’s Best Mortgage Broker – Available 7 Days a Week
At What If We Finance, your journey to homeownership in Melbourne, Victoria, is not just about securing a loan, but building dreams!
As an award-winning finance broker in Melbourne, we take pride in delivering exceptional service and results for our clients. With over 2,000 home loan products from 50 trusted lenders, you get an unbeatable deal tailored to your unique needs.
Led by the passionate Spiro Kolokithas, an award-winning mortgage broker, our dedicated team makes every mortgage process enjoyable and stress-free.
With our commitment to clear communication and transparent guidance, we’re here to empower you with the knowledge you need to make informed decisions. Choose What If We Finance for a seamless and positive home loan experience that puts your goals at the forefront!
For fast, flexible advice, speak to an expert and book a free 30-minute meeting.
At What If We Finance, we’ve been helping Australians secure their dream homes and investment properties since 2008. We are an experienced broker, fully accredited by the Mortgage Finance Association of Australia (MFAA). We hold our Credit Licence with ASIC, we’re committed to delivering a trusted, professional service you can rely on.
With over 25 years of experience and qualifications in economics, finance, and mortgage broking, our Melbourne team is here to make your home loan journey smooth, stress-free, and rewarding.
We’re more than just mortgage brokers – we’re your partners and advisers in achieving your financial goals. Our expert team compares loan products from major banks and lenders to find you the best deal. And the best part? Our service is 100% free!
We’re here every step of the way to make your journey smooth and stress-free. Whether it’s explaining bank deposit requirements or your first home loan deposit. Helping with Lenders Mortgage Insurance, or navigating complex paperwork, our expert finance brokers ensure you feel informed and confident throughout the process.
For first home buyers, we simplify everything—breaking down the jargon and providing advice tailored to your unique situation. Our goal is to eliminate the stress, giving you clarity, control, and the confidence to move forward with ease.
Let us make your home-buying experience as seamless as possible! 🏡✨
Our team understands the unique dynamics of the Melbourne property market and provides property investors with insights to help you maximise returns. Whether exploring property finance options, lending solutions or securing optimal home loan terms, we help you ensure your investments work hard for you.
We work with you to leverage opportunities or loan products tailored to boost long-term wealth and achieve financial freedom.
At What If We Finance mortgage brokers, your success is our priority. Whether you’re seeking the perfect home loan, exploring refinancing, or looking for asset finance solutions.
We are committed to going above and beyond for our clients. With a client-focused approach, we aim to make every experience positive and impactful for long-term satisfaction.
Our ASIC Credit Licence and MFAA accreditation as a mortgage broker reflect our commitment to ethical practices and high standards. You can trust us to provide reliable advice, protect your interests, and work in your best financial interest.
We are not aligned with any single lender. Instead, we provide access to a wide panel of over 50 lenders, giving you more choice and flexibility when structuring your loan.
As a family-owned brokerage, our focus is always on delivering outcomes that suit your needs. We do not operate under lender quotas or referral arrangements. We do not pay or receive referral fees. Our recommendations are based solely on what works best for you.
What sets us apart is simple — we focus on strategy, structure, and long-term outcomes, not just finding you a loan.
At What If We Finance, we believe every client deserves personalised service and unbeatable results. We’re here to exceed your expectations and deliver a loan experience you’ll be happy with.
We pride ourselves on offering a seamless, personalised experience for every client. Whether you’re navigating first-home buyer loans, business loans, or need financial planning or financial advice.
We simplify complex processes like debt consolidation loans and lenders mortgage insurance, ensuring a stress-free journey. Ultimately, our goal is to make your first home buying experience or refinance as smooth as possible. Our network connects clients with many lenders, ensuring tailored finance options that suit your needs.
Honesty and trust are fundamental to our operations. Our team of expert mortgage brokers believes in offering transparent, clear guidance tailored to your needs. Whether you’re seeking mortgage products from a particular lender or evaluating interest rates for a car loan or personal loan.
In an ever-changing mortgage broking industry, integrity means being your reliable partner and ensuring your best interests are always our top priority.
Transparency is key to building lasting relationships with our clients. Our finance brokers in Melbourne provide clear explanations of lenders mortgage insurance, loan service options, and potential fees. We give you a complete understanding of your chosen product. Working with 50+ lenders, we highlight the pros and cons of various mortgage products.
What If We Finance explain different loan structures, features, and lender terms clearly, so you can make confident, informed decisions.
We clearly explain how we are paid and ensure there are no hidden arrangements, commissions, or referral structures influencing our recommendations.
What If We Finance provides a comprehensive range of mortgage brokerage services, including assistance with home loans, investment property loans, refinancing, self-managed super fund (SMSF) loans, and loans for self-employed individuals. We cater to first home buyers, property investments, and those looking to refinance existing mortgages.
They guide first home buyers through the entire loan process, helping them understand borrowing capacities, loan options, and available government incentives. Our goal is to make the journey to homeownership smooth and stress-free.
Read our First Home Buyer Case Study.
Yes, we assist clients in refinancing to secure better interest rates. We also support you with access to equity or consolidating debt, so your new loan aligns with your financial goals.
We provide access to a variety of investment property loans. Loans from 50+ lenders, offering tailored advice to help clients build wealth through property investment.
Yes, we secure loans for self-employed clients, understanding the unique challenges and providing solutions that suit all clients’ financial situations.
We assist clients in navigating the complexities of SMSF loans, ensuring compliance and finding suitable loan products for property investment through superannuation.
As experienced mortgage brokers, we are not tied to any banks or third parties, ensuring our focus remains on securing the right outcome for our clients.
Yes, we offer mortgage broker calculators, access to the latest home loan offers, and direct communication with brokers 7 days a week.
Learn more here: How to Calculate Mortgage Repayments Without Relying on Guesswork
The loan application process with our team of mortgage brokers usually takes 3–7 business days. For conditional approval, this depends on the lender and the complexity of your mortgage requirements.
No. At What If We Finance, we do not operate under referral agreements, and we do not pay or receive referral fees.
This means our recommendations are not influenced by third parties or external incentives. Every loan option we present is based solely on your financial situation, goals, and what we believe is the most suitable outcome for you.
We offer tailored advice and competitive rates to help you grow your property portfolio across suburbs in Melbourne.
Renovation home loans are designed to fund home improvement projects. Our home loan brokers can guide you through the process. Ensuring you get the best loan option for your specific business or personal renovation needs.
Call 03 8804 1354 or email info@melbournemortgage.com.au. We’re here to provide an ongoing service for all your mortgage and business finance needs.
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