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

What if We Finance

About us

Established in 2008 What If We Finance is Melbourne’s best independent mortgage broker. With access to over 2000 home loan products and being available 7 days a week we can help you find an unbeatable home loan deal.
mortgage broker home shape
mortgage broker home shape
family sitting in new home

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.

melbourne mortgage brokers

About us

Melbourne’s Best Independent Mortgage Broker

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 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.

Company Vision

Our Commitment

We are committed to ensuring we find you an unbeatable deal. We take the stress out of finance so you can focus on what is important to you. Your mortgage broker is available 7 days a week and our service is free.
What If We Finance aims make finance simple and help customers buy a home, refinance or invest in proper ty. 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
mortgage broker home shape
melbourne mortgage brokers
family enjoying in new home

About us

The What If We Finance Advantage

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.

Does What If We Finance charge fees?

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.

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!
Read more
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.
Read more
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
Read more
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.
Read more
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.
Read more
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.
Read more
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.
Read more
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.
Read more
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!
Read more
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.
Read more