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

What if We Finance

Top Investment Property Loans Broker in Melbourne

Buying an investment property is a powerful wealth creation strategy. Access hundreds of investment property loans from our wide choice of lenders. We will shop around for you and let our investment property mortgage broker negotiate a competitive rate.
discussing new home plan

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


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Our independent mortgage broker is available to chat to 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 a mortgage broker Melbourne and we can help you achieve your financial goals



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Finance Broker

About us

Property Investment & Wealth Creation

Are you a first-time investor starting out in the real estate game? Or an experienced landlord looking to expand your portfolio? While the market is rife with plenty of investment opportunities, getting expert help along the way is always a smart move.

At What If We Finance, our mortgage experts help you unlock the power of investment property. Whether you’re buying one or multiple properties, developing a property, buying off the plan or building multiple homes our experience will take the stress out of finance so you can focus on what is important to you.

Investment Property Loan Rates

Rates for investment property loans are usually at least 0.5% to 0.75% higher than standard rates. So, for example, if today’s averate rate for a primary residence is at 2.125%, you can expect rates for investment properties to start around 2.625% to 2.875%.

Keep in mind that standard rates are based on the profile of prime borrowers and other determining factors such as credit score, cash reserves, debt-to-income ratio and loan-to-value ratio on the investment property.

That’s why average rates for investment property loans should be used as a benchmark online. When buying an investment property, be sure to compare quotes from lenders and consult and investment property mortgage broker to find the best deal for you.

small house with key

What’s the Difference of Investment Property Loans Compared to Other Loans?

Investment property loan requirements and terms are different compared to standard home loans. For instance, lenders tend to be stingier with loans for investment properties as the risks of default and foreclosure are higher. The guidelines for approval also won’t be as lenient as those for a primary residence. The same goes for investment property refinancing.

If you are thinking of arranging investment property loans, consult your trusted investment property mortgage broker. They will help speed up the process and secure a suitable loan that minimises risks and maximises returns.

How to Get Low Interest rates on Investment Property Loans?

While it’s hard to escape high interest rates on investment property loans, there are ways to ensure you get the best deal possible such as making a bigger down payment, improving your credit score, and comparing rates from various lenders.

What If We Finance can help you with the third method as we work with a wide network of lenders to let you secure the best possible loan for your financial situation

low interest rates
Property Investment

Unbiased, Expert Property Investment Mortgage Brokers

What If We Finance’s friendly and experienced team of mortgage brokers work with your best interests at heart – consistently sourcing the best deals to suit your investment. We help you understand both your short-term and long-term goals by assessing your financial situation, comparing investment loans and negotiating with lenders on your behalf.

From searching properties to applications to settlements – our mortgage broker will help you through the entire investment property process. We also keep you updated on industry changes and negotiate better rates if your circumstances change.

What we do

Our Process for Mortgage Success

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 a range of 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. Should you need to buy elsewhere or refinance, we’ll be there too.

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. Fill out our contact form below for any concerns or enquiries about the mortgage options available to you.

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.
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Finance Broker

About us

The What If We Finance Advantage

What is a mortgage broker?

What If We finance is a mortgage broker who is also Melbourne’s leading independent mortgage broker and is available 7 days a week. Our service is free and since 2008 we have helped home loan refinancers, home buyers and property investors find an unbeatable deal. Your mortgage broker What If We Finance does all the legwork and we take the stress out of finance so you can focus on the important things.

Why use a mortgage broker?

Melbourne’s best mortgage broker What If We Finance helps you save both time and money. Our service is free, we are available 7 days a week and we help you find an unbeatable deal.We provide you with access to different lenders, rates and loan types — offering you options that a traditional bank cannot. Once you choose a loan that suits your specific needs, a mortgage broker ensures things happen on time and you’re fully informed at every step of the process.

What makes What If We Finance different?
Does What If We Finance charge fees?
Does What If We Finance charge fees?
Our services are completely free of charge. We are paid a fixed commission fee by the lender of your choice, fully disclosed to you.
Does What If We Finance provide an ongoing service or do you just help me get to settlement?
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.
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!