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.
elite-broker-logo Black
Independent Mortgage Broker
Word of mouth Service award 2024
Word of mouth Service award 2023
Quality business award 2023 winner
mortgage broker a blue shape
mortgage broker a blue shape
discussing new home plan

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


Chat to a broker

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.


Call Us

Call us now on 03 8804 1354 to talk to a mortgage broker Melbourne and we can help you achieve your financial goals



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

couple with small house and key
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.
family enjoying in new home
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.