Melbourne’s Best Independent Mortgage Broker – available 7 days a week

What if We Finance

Frequently asked questions

Questions and answers are outlined below to some of the most common items mortgage broker What If We Finance encounters. Contact us for more information or if you have a question we have not answered.

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mortgage broker home shape

Why Choose us

frequently asked questions

Home Loan FAQ

Your mortgage broker will complete all the requirements and applications to ensure your home loan has the optimum chance of success.

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.

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.

Funded by the Federal Government, the FHOG scheme is administered in each state. The amount is on average $10,000, depending on the state you live in. To be eligible for FHOG, you and your spouse should not have previously claimed the grant or owned a home. FHOG only applies to newly constructed homes.

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.

Homepage FAQ

At What If We Finance, we don’t forget you after your loan has settled. We will continue to be there for any concerns or queries on your part. We can also help you switch products or modify your loan. Each year, we review your loan to see if it still suits your needs. If it doesn’t, we do our best to negotiate and secure a better rate from your lender.

Our services are completely free of charge. We are paid a fixed commission fee by the lender of your choice, fully disclosed to you.

We are available 7 days a week to meet and discuss your needs. We can meet anywhere convenient to you: be it at your home or in our CBD office during business hours. We also hold our own accreditation with the Mortgage Finance Association of Australia and Credit License with ASIC.

A mortgage broker is a middleman or an intermediary – helping you arrange a mortgage with a lender. They use their expertise and tools to source competitive rates and ensure a smooth process to settlement. A mortgage broker always acts in the borrower’s best interests – understanding your situation and needs before narrowing down your mortgage options.

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.

Property Investment FAQ

This is best answered by one of our mortgage brokers. Contact us today and we will source the most suitable deals for you on the market.

This depends on your situation and how each lender assesses your capacity to borrow. Some banks only require a 5% deposit if you have a good credit history, a stable job and your income are sufficient to cover the loan repayments.

At What If We Finance, we offer ongoing service to ensure your loan can change to meet your needs. We don’t forget you after your loan has settled. We can help you modify your loan or switch products to secure rates that work better for you.

We act as the middleman between you as a borrower and various lenders. Our role is to assess your personal situation, find the best loan product for your needs and goals and then negotiate the loan’s successful approval and settlement.

Property investment is a tested and proven investment option that is more stable and predictable compared to many other investments. Unlike the stock market, property values fluctuate rarely and most often increase. You’re likely to benefit from stable cash flow from rent payments and a good return on your investment.

EXCELLENT
176 reviews on
Matthew B
Matthew B
2022-06-05
Looking at the reviews for What If We Finance, it comes at no surprise to see so many 5-stars. Spiro handled the mortgage part of my girlfriend and I purchasing our first home. He made himself available to us around the clock and ensured that we were across the entire process and felt as comfortable as possible. We're very fortunate to have gone about buying our first home with Sprio and we'd be more than happy to use him for future purchases and to refer on to family and friends. A big shout out to Agnes also who busily works away in the background and also does an incredible job. You guys are the best!
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hari gowtham
hari gowtham
2022-06-03
Very happy with the results from Spiro from start to finish. Spiro and his team are very knowledgeable and have a very quick turnaround time. Couldn't be more happier with the service. Definitely my go-to person for upcoming purchase.
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Gary Shekhter
Gary Shekhter
2022-06-02
Great broker and trustworthy. Honestly had seen 5 brokers and fund this wonderful guy. Who helped from start to finish fast and had our loan in no time at all. Thank you again champ you did an amazing job
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Leonie Kemp
Leonie Kemp
2022-05-29
Thank you Spiro and Agnes for helping with the purchase of my first home. I needed to arrange finance quickly and Spiro did a fantastic job letting me know the best options for me and pushing to get the pre-approval so I didn't miss out on purchasing my home. Everything went very smoothly, thanks for helping make my first property purchase straightforward.
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S S
S S
2022-05-28
Thank you Spiro and team for your help in financing the mortgage for the recent property purchase. Spiro provided timely advise, guided me on the process and was swift in processing the documents. His friendly attitude makes the process even better. Thank you once again.
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Anita Naughton
Anita Naughton
2022-05-27
As a first home buyer I had very limited knowledge on what I needed to do. I searched for a broker and What if we finance stood out due to reviews. I had my first session with Spiro and never looked back! The whole process was seamless, I felt supported and could always connect with Spiro when needed. Spiro and Agnes are experts in what they do and I would highly recommended anyone looking for finance to choose What if we finance. I will be a lifelong customer and look forward to buying our next house with their support.
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Mahmoud Al Kilzi
Mahmoud Al Kilzi
2022-05-25
Spiro & his team did a great job by getting my loan sorted in time. I would recommend them to family & friend. Great work guys much appreciated.
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Rebecca Zeeman
Rebecca Zeeman
2022-05-20
Spiro and Agnes provided great help and advocacy in getting us our home loan. We felt they were always available and were super efficient in getting it all done on time! The process was so simple and without stress thanks them both.
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Irish Azcuna
Irish Azcuna
2022-05-09
I can’t thank Spiro and Agnes enough for making my first home purchase so efficient, stress-free and seamless! If I could give more than 5 stars I would. As a first home buyer applying for one or the government’s schemes, my situation would have been so complicated that I never imagined being able to complete the process in such a short time. Spiro’s in-depth knowledge, invaluable and always-available support, and genuine willingness to help get me the right mortgage for my situation, made everything possible. His pragmatic advice even helped me decide on the right property for us, which would help us achieve our long-term goals. I highly recommend Spiro and his team. We will definitely engage their service again for our next property. They are the best!
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Renee Briggs
Renee Briggs
2022-05-02
Spiro is reliable, has your best interest as his top priority and is fast to get great results. We wouldn't ask anyone else for their professional opinion- Spiro is the best in the business.
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