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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Home Loans

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.


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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.