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

Why Use Us As Mortgage Broker in Melbourne?

What If We Finance is a successful mortgage broker in Melbourne established in 2008, and we have been additionally awarded the best mortgage broker in Melbourne.  Click Here

Available 7 days a week and have access to over 2,000 home loan products to help you find the best deal.

Assisting you to buy your home, refinance or invest in property. Doing all the legwork that furthermore takes the stress out of finance so you can focus on what is important to you. 

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The Importance of a Finance Broker

When it comes to buying a home, obviously having the right mortgage broker can be the difference between getting the best deal and paying thousands of extra dollars over the life of the loan.

A mortgage broker should certainly be an expert in the field of home loans and can assist you find the perfect fit for your situation. We know all the ins and outs of the mortgage process and can significantly help you get the best deal and rate. With our help, additionally, you can get the most out of your home loan and save you money in the long run.

5 Advantages of using a Mortgage Broker

Obtaining a home loan, whenever many individuals choose to work with a mortgage broker what they should have to consider. 


Access to multiple lenders

As an independent mortgage broker we work with multiple lenders, which means they can compare different home loan rates and options. This gives borrowers more choices and the ability to find a loan that best fits their needs.


Loan calculator

Your mortgage brokers offer an online loan calculator that borrowers can use to estimate their monthly payments based on the loan amount, interest rate, and other factors. This tool can help borrowers budget accordingly.


Assistance with paperwork

Applying for a home loan involves significant paperwork. A mortgage broker can help borrowers with this process, making it easier and less time-consuming.


Expertise and guidance

Experts with what we do.Years of expertise in the industry and we can additionally guide borrowers on what type of loan they should seek based on their unique financial situation



We are always available online. Lastly Most Mortgage brokers are often available 7 days a week and outside of traditional banking hours. This means borrowers can receive assistance and support when they need it mostm

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What to Expect During the finance Application Process

After choosing the best mortgage broker for your needs, the process of getting a home loan will begin. Here is what you can expect during the mortgage broker process:
  • Application Process: Your mortgage broker likewise ask you to complete a home loan application. This application will ask for your income, employment, assets, and debts. Be sure to provide accurate and complete information, as it will help your broker find the best loan options.

  • Credit Check: Your mortgage broker will undoubtedly conduct a credit check because it will determine your creditworthiness. This will impact the interest rate and loan options available to you.

  • Loan Options: Your mortgage broker will present several loan options based on your financial situation and credit score. They will help you understand the pros and cons of each option and choose the best one for you.

  • Loan Lodgement: Your mortgage broker will work with the lender to process your loan application. They will handle the paperwork and last ensure that all necessary documentation is provided.

Mortgage Banks we deal with

We deal with the top Australian banks giving you access to the most appropriate loan for your situation. Giving you peace of mind we have compared everything thats current and the best long term deal for you. Use our Mortgage calculator app to help you understand repayments and equity required to secure the best deal. Click For a full list of Mortgage banks

Factors to Consider when Choosing a Mortgage Broker

Choosing the right mortgage broker Melbourne is crucial in getting the best mortgage for your needs. Here are some important factors to consider when selecting a home loan broker that will in the long run benefit you and obtain peace of mind.


See What Our Clients Are Saying about our Independent Mortgage Broker Service
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We will send you $300 dollars if we cannot beat your current mortgage agreement. We never waste anyones time. Our Mortgage Broker superpower.

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!