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

Home Loan Broker: Get Expert Advice and Support

Buying a home is one of life’s most exciting experiences. What If We Finance is  a Mortgage Broker Melbourne here to make finance simple, so you can concentrate on the important things, finding your dream home. Whether you’re a first home buyer, changing homes or just after a holiday home we are here to help to buy your dream home.

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We are available 7 days a week 8.30 am to 9.30 pm


Chat to a broker

Our expert mortgage broker is available to chat with you online and help you find an unbeatable deal. Talk to a real mortgage broker today.


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Call us now on 03 8804 1354 to talk to an independent mortgage broker in Melbourne, and we can help you achieve financial goals.



Alternatively, provide your contact information and a mortgage broker will contact you as soon as possible.

First Home Buyers

At What If We Finance, we guide you through the entire process and help you buy your first home. Your experienced mortgage broker will advise you on

We will work with your conveyancer and real estate agents to make the process stress free and simple. Our goal is to save you money and time, so you can focus on finding your dream home. As part of our process will help you with:

1. The First Home Owners Grant
2. The First Home Loan Deposit Scheme
3. Government Fees and Charge

We will guide you through the process to ensure you maximise the government benefits available to you as a First Home Buyer most important we are available 7 days a week and our service is free.

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Changing Homes

You have decided you need a bigger home or want to live somewhere different or just want to renovate your existing home. Your Mortgage Broker, What If We Finance can assist with
Changing Homes may call for a new or different home loan. Even though you already have a home loan you know what is involved in organizing a new loan so to make it simple for you speak to your What If We Finance Mortgage Broker.

We will also work with you to determine the new loan amount you will need including agents fees and paying out your old mortgage. A matter of minutes your What If We Finance Mortgage Broker can give you an indicative approval.

Find The Best First Home Buyer Loan

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, different terms are 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 independent home brokers in Melbourne who will help you find the best first-home buyer loans for your situation. Whether you’re a first-time buyer or planning on moving to a new home, we explain the various mortgage options available and assist you at every step of the home buying journey.

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first home

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 pre-qualified for free – even before you find your new home! With various lenders and loan options, 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!

Construction Loans

Construction loans, also known as owner-builder loans or house and land packages, are different from regular home loans, as the bank needs a land contract and a building contract.

Funds are advanced progressively through the five stages of construction. Unlike a traditional home loan, where funds are made available at settlement, a construction loan lets borrowers draw on the loan balance when payments need to be made to the builder.

These payments are made at key stages of the building process and are known as progress payments. While under construction, you will are required to make interest repayments on money that has been paid to the builder.

This means you will only be paying interest on money that has been used. As such, repayments will be smaller at the start of your loan and will gradually increase gradually as the home approaches completion. In general, construction home loans have a variable rate, with a maximum Loan to Value Ratio (LVR) of 90%

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Types of Home Loans

With so many first home buyer loans available in Melbourne, it can be hard to know which one’s best for your situation. Let’s take a look at the standards types of first home loans, so you know what to expect from each one.

With variable-rate loans, your repayments depend on the rises and falls of interest rates. If rates go down, so do your repayments. If rates go up, your repayments will rise too. In a lower interest climate such as Australia, variable rate loans be a good option for a first time home buyer loan.

A variable rate loan’s important feature is that you can make extra repayments to pay off your loan sooner, at no extra cost to you. Additionally, you have the option of 100% offset, which you won’t get with a fixed-rate loan.

With fixed-rate loans, your interest rate is fixed for a specific period of time typically one to five years (it’s higher for investment properties). Once the period’s up, you can switch to a variable rate loan or opt for another fixed-rate period.

The ultimate advantage of fixed-rate loans is the certainty they offer. You know the exact amount of repayments. You’re also choosing certainty and security over flexibility, which will help you budget better. The major downside is that if interest rates fall, you won’t get the benefit of lower repayments.

Do you want features such as 100% offset and the certainty of fixed repayments? A split loan is for you part variable, part fixed.

How do split loans work as first home loans? Basically, you have two smaller loans that equal the total amount of your loan. For instance, you might borrow a total of $500,000, but fix $300,000 and then keep $200,000 as a variable. Think of a split loan as a hedge if interest rates fall, you’re better off than if you’d chosen a fixed-rate loan. Conversely, if they were to rise, you’re better off than if you’d just gone with a variable rate loan.

As selecting the best home loan can be daunting, don’t feel like you have to do everything on your own. Contact your friendly home loan broker in Melbourne from What If We Finance, and we’ll help you throughout the entire process.

Home Buying Requirements

Everyone’s situation is different but when it comes to home buying requirements, you should prioritise on three things: your house deposit, the house you want to buy and your home loan rate.

When looking for a good deal on first home loans, the interest rate matters. As home loans are long-term debts, even the smallest difference in interest will add up over time.

A professional mortgage broker for first home buyers in Melbourne will help you with the following:

  • Compare home loan rates

  • Get pre-approval to buy

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Applying for First Home Owner Grant/Duty Concessions

As a first home buyer, you may be eligible for a grant and/or duty concession or exemption. To qualify as a first home buyer, you must be buying your first home, move into the property within 12 months, and reside there for at least six continuous months.

  • First Home Buyers Assistance Scheme

    Partial or full exemption on transfer duty

  • First Home Owner Grant (New Home)

    Offers 10,000 towards the purchase price, in addition to the benefits of the First Home Buyers Assistance Scheme

Why Choose us

The What If We Finance Advantage

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What If We Finance takes all the necessary steps to ensure a fast home loan approval. Our independent mortgage broker guides you through the application, makes sure there are no errors in paperwork and generally speeds up the whole process for you.
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Our mortgage brokers are flexible with their hours and available during the weekends. We can meet at a time or place convenient to you – or even through online messaging and video conferencing apps!
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We take the time to explore all your goals and individual situations. As we have access to a range of loans – from the big four Australian banks to credible lenders and credit unions. We have a big scope so we can find the most suitable loan for you.
Girl sinning new home papers

7 Days a Week

Other providers of independent mortgage broker services in Melbourne are not available 7 days a week. Neither are banks! At What If We Finance, meetings with clients can be done over the phone, virtual, email or in person any day of the week.

We Make Finance Simple

We Make Finance Simple

We explain the various subtleties of different loan options from various lenders, potentially saving you thousands of dollars in interest repayments and making a big difference to your bottom line. We take all the complexities out of finance and focus on your goals.
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Services are Free

Our services are free! We won’t charge you for our time or any of the solutions we offer. We’re completely transparent with our work and ensure there are no surprises on closing day.
What we do

Our Process for Mortgage Success

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Finance Broker

Frequently Asked Questions

What is a mortgage broker?
A mortgage broker can help you find the right loan for your needs. They work with lenders to get you the best rates and can also help you choose between different options. A mortgage broker Melbourne can guide you through buying a home from start to finish, so you don’t have to worry about a thing!
What does a mortgage broker do?
Mortgage brokers continue to play an important role in the home loan market. They advise clients on the details of mortgage applications and assist in the processing and final approval of loan requests. This process can be challenging to navigate, and a great mortgage broker will do all the legwork so you can focus on finding your dream home or getting a better home loan rate.
How are mortgage brokers paid?
Mortgage brokers Melbourne are paid by the bank, not by you. This means that they get paid when you get your mortgage. A payment by a lender to a mortgage broker is known as a commission, and this is not passed on to you. Mortgage broker services are free, meaning you do not pay for their services.
How do I find a mortgage broker?

Finding a mortgage broker in Melbourne is as easy as Googling “mortgage brokers Melbourne”. However, this can be a little overwhelming because there are many different mortgage brokers.

It’s important to note that not all mortgage brokers are created equal, and not all of them can help you get the best deal on your home loan. Here’s what you should look out for when finding your new mortgage broker:

  1. Industry experience and qualifications
  2. Google and Word of Mouth Online Reviews
  3. Time in industry
  4. aLender panel and products
What is the role of a mortgage broker?

A Melbourne mortgage broker is a financial professional who helps people find the best mortgage for their particular situation. A mortgage broker does not lend money but helps borrowers determine which lender has the best deal for them and then helps them apply for that loan.

Mortgage brokers work with many different lenders and can offer advice on which one will be most beneficial to your situation. A mortgage broker will do all the legwork for you and the stress out of finance.

What is the benefit of using a mortgage broker?
Mortgage brokers are not only to help you find a mortgage but also to help you find the best rates and loans for your needs. They can also help you with your questions and manage your finances.
Mortgage brokers differ from lenders because they don’t lend money directly to consumers. Instead, they provide services that help people find the best mortgage products for their situation.
The following are some of the benefits of using a mortgage broker:
  • They have access to more lenders and often better rates.
  • Mortgage brokers offer unbiased advice about which mortgage would be right for you and your current financial situation.
  • They can help you understand every aspect of buying a home and what steps need to be taken before buying one.
Can a mortgage broker get you a bigger mortgage?
A mortgage broker has access to many lenders and products, so if you’re looking for a bigger mortgage and can’t get one from your bank, a broker can help.
Mortgage brokers with a large panel of lenders can help you find the maximum mortgage and get you a bigger one.

Why Choose What If We Finance?

At What If We Finance, we know there is more to home loans and good mortgages than just the interest rate. Our mortgage broker looks at various other factors and considers how they relate to you and your circumstances. We get to know you, your goals and your situation before finding the right home loan to suit your needs. We are motivated by your best interests and offer the benefit of over 2 decades of experience.

We also don’t stop at making your life easy during the home loan process, we stick with you for many years to come. When it’s time to review your home loan’s health, we will re-assess if you can get a better deal and help make it happen. We’ll be there if you need to buy elsewhere or refinance.

Our first-class service is reflected in our leading client testimonials from Google Reviews and Word of Mouth Online Reviews.

Every year, we make the property purchase dreams of our clients come true. Let’s make your dream home one step closer to reality. Please fill out our contact form below for any concerns or enquiries about the mortgage options available.

Request An Appointment

Contact Us today, and we will be in touch to find you an unbeatable deal starting from 1.79% or even up to $4500 cash back.

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!