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

Top Mortgage Broker Melbourne 2023

Top Mortgage Broker Melbourne

Share This Post

We are truly humbled to receive this recognition because the results summarize the What If We Finance difference. As “Best Mortgage Broker Melbourne” 2023, we aim to take the stress out of finance and make it easy for all our clients 7 days a week.

Established in 2008, What If We Finance has always aimed to be an independent mortgage broker. We pride ourselves on us.

  • Independence
  • Authenticity
  • Communication and
  • Accessibility
People talking about Mortgage

Since 2008 mortgage broker What If We Finance has always put customers first, and our sole goal has been to take the stress out of finance.

In January 2023, Top Experts named it one of the Best Mortgage Brokers in Melbourne. Top Experts undertake an exhaustive review process that involves:

  • Licensing and Accreditation Checks
  • Customer Review Validation
  • Mystery Shopping real customers call the mortgage broker and rate and review the phone call and home loan experience.

What If We Finance is proud to say we were rated

A+ for Professionalism

A+ for Reputation with over 199 5 star reviews

A+ for Responsiveness

A+ for Helpfulness

A+ for Friendliness

Melbourne Mortgage

As Top Experts State:

We made Top Experts in 2022 to help Australians when they need an expert, whether a dentist, real estate agent, lawyer or photographer. It shouldn’t be hard to know whether a business has a licence, has a good reputation and is currently active… and that’s what we’re looking to fix. We’re doing all the research to deliver Australians simple lists of experts they can trust. Businesses cannot pay to be declared a Top Expert; we only shine a light on the deserving ones.

When you find an expert on our list, you support a local business. We think that’s pretty awesome! At Top Experts, we also pride ourselves on sending clients to deserving Australian businesses.

This award recognizes all the hard work we put in to help our customers and, more importantly, independent recognition of our service. This award humbles us and also makes us proud to be recognized and energizes us to deliver an even better customer experience for our friends and clients.

What If We Finance has received numerous forms of other recognition, including:

  1. Commonwealth Bank Elite Mortgage Broker 2023
  2. Best10MortgageBroker Melbourne
  3. MFAA Mortgage Excellence Nominations

These awards further reinforce What If We Finance from the crowd and that not all mortgage brokers are created equal.

Read our articles and get the latest mortgage updates regularly. If you would like an unbeatable service and stress-free finance, experience us as your best mortgage broker, Contact What If We Finance today.

Finally, a big thank you to all our clients for making this award possible, and we promise to continue to grow and excel in all our interactions.

Get updates and learn from the best

Subscribe To Our Newsletter

EXCELLENT
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!