Mortgage Broker for First Home Buyers in Melbourne

Buying a home is one of the most exciting experiences you will undertake. We have over 22 years of experience as a home loan broker in Melbourne. We do all the legwork when it comes to processing your mortgage so you focus on what is important — finding the perfect home!
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Find The Best Mortgage Deal For Your Future Home

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Buying a home should be fun and exciting – not frightening. But it’s easy to see why some people can feel overwhelmed. From the second you start looking at mortgages, there are different terms thrown at you and you may not know much about the general property-buying process.

Fortunately, you don’t have to figure everything out by yourself. At What If We Finance, we have expert home brokers in Melbourne who will help you find the best home mortgage deal for your situation. Whether you’re a first-time buyer or you’re planning on moving to a new home, we explain the various mortgage options available and assist you at every step of your home buying journey.

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An Expert Mortgage Broker For First Home Buyers In Melbourne

What If We Finance guides first-time home buyers through the complex loan process. We get you pre-qualified for free – even before you find your new home! With a variety of lenders and loan options to choose from, you can buy your first home with little downtime and select a loan that meets your unique needs.

Our mortgage broker services for first home buyers in Melbourne have helped hundreds of clients build their perfect home-loan application, make a mortgage work according to their needs and open the doors to their dream homes. We’ve done it for them, we can do it for you too!

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The What If We Finance Advantage

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  • Speed – Fast and efficient, our Melbourne-based home brokers strive to close loans on time every time.

  • Convenience – We can meet any place convenient to you — be it at your office, your home or our headquarters in Melbourne CBD. We also offer meetings and consultations over the phone or via video conferencing apps!

  • Expertise – Our expert, independent mortgage advice makes buying your home easy. Your dedicated adviser will learn about your needs and situation before narrowing down your options and managing the rest of the process for you.
  • 7 Days a Week – Unlike banks or other lenders, our mortgage brokers are available during the weekends and work flexible hours. Meetings can be done in person, over the phone or via email any day of the week during business hours.

  • “We Make Finance Simple” – We make finance easier for you because we know banks, loan products and loan terms. We sift out what’s going to work for you, and what won’t. We know where to go and what you need to provide to get you the finance you’re looking for.

  • Services are Free – We do all the legwork to arrange your mortgage with a lender — and we’ll never charge you a dollar for it! We’re completely fees-free.
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Our Process for Mortgage Success

Step 1

Our home loan mortgage broker services in Docklands and beyond start the moment you call us or fill out our website’s contact form. After you get in touch with us, we will reply to you as soon as we can. You can also opt to call our landline number to speak directly with us with your concerns and queries.

Step 2

We can schedule meetings to be held over the phone, in person, via email or virtually. The choice is up to you.

Step 3

We will then listen to your unique situation and the goals you hope to achieve with your mortgage loan. Afterwards, we do our best to find the best loan that fits your requirements.

Step 4

We then guide you through the entire mortgage loan process: from pre-approval all the way to underwriting and closing. We organise all the paperwork, finance, approvals and more.

Home buying is simple with us. We have a lot of options for the right mortgage deal for your dream home, and we’ll help you make
informed decisions every step of the way. Talk to our experts today.

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See What Our Clients Are Saying

  • I begun my application for a mortgage to buy my first home as a single right in the heart of a pandemic, and while my work circumstances were all up in the air. Naturally, these circumstances were not ideal, and because of this other brokers I contacted didn't want to work with me. When I initially contacted Spiro, he instilled me with confidence - he assured me to not worry and that I would be approved for the mortgage I needed. He was someone that I could trust to sort everything out on my behalf and the entire process of getting a mortgage was stress free for me. Spiro has a wealth of information and experience and this shows through the way he operates. The service he provides is not something you would receive from your run-of-the-mill broker - he is truly exceptional. I couldn't be happier with the service I received. Every step of the process was handled professionally but also personably. I look forward to working with Spiro again in the future when I decided to refinance. I highly recommend his services, and will be referring friends, family, and colleagues. Thank-you Spiro and Agnes at What If We Finance!
  • Thank you to Spiro and Agnes for the exceptional service received, especially during these challenging times. They were prompt to solve all of my queries and the communication was beyond excellent. They guided me at every step of the way and made the entire process feel like a breeze. Will recommend them to all my friends, colleagues and relatives.
  • I first made contact via telephone and was looked after by Spiro and his team. From that very first moment they were able to attend to my needs and solve my queries in a knowledgeable and professional manner. Their personal approach and excellence in customer service is what ultimately made the decision of choosing them over their competition very easy. Much recommended. Thank you once again Spiro and Team.
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Why Choose What If We Finance?

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  • I am a first home buyer so I had very little knowledge about how the process worked. I can’t imagine how I could have done this without him. Spiro visited me at my home several times and made sure I was aware of everything that was going on. I couldn’t recommend him highly enough. Thank you for helping to make my dreams come true.
    My dreams come true in my first Home
  • I am extremely impressed with the level of professionalism and quality of the service that I received. Spiro has been absolutely great. He offered advice and help which extended beyond the call of duty. I was kept informed of the progress of my finance application at every stage of the process. If you are looking for excellent service and advice, I would strongly recommend that you use this broker. Definitely the best decision that I have made.
    Friendly and our mortgage broker went beyond the call of duty

Frequently Asked Questions

Why do I need a mortgage broker?
Mortgage brokers identify loans that meet your needs and then compare terms and rates so you don’t have to. They offer mortgage products from a wide network of lenders, giving you access to a greater range of products than loan officers.
Which loan is right for me?
What If We Finance will help you find which of the hundreds of home loans will best fit your needs. It’s our passion to be strategic and ensure you get the perfect home loan for your unique situation.
What is the first home owner grant (FHOG)? Am I eligible for it?
Funded by the Federal Government, the FHOG scheme is administered through each state. The amount available ranges from $7,000 to $26,000, depending on the state you live in. For residents in Victoria, find more information here.

To be eligible for FHOG, you and your spouse should not have previously claimed the grant or owned a home.
How do I apply for a loan?
Your mortgage broker will complete all the requirements and applications to ensure your home loan has the optimum chance of success.
Do I have to pay my mortgage broker?
At What If We Finance, our services are free! We are paid by the lender of your choice. We go to great lengths to ensure you get the best deal. This ensures you not only experience great service, but you also save money.
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