Mel Finance

Melbourne's Premier Mortgage Broker

Access The Best Rates For Home Loans and Refinancing

Fast | Simple | Lowest Rates


Your Melbourne Mortgage Broker

Welcome to Mel Finance

At Mel Finance, we’ve earned a reputation as one of Melbourne’s leading mortgage brokers. We specialise in delivering customised loan and refinancing options that save you time and money. With hundreds of five-star reviews from satisfied Australians and access to a wide range of lenders, we’re the trusted choice for all your Melbourne mortgage needs.

MFAA 2021 Mortgage Broker State Finalist
10 Years Experience
Melfinance Fully Accredited
Melfinance Quality Customer

Here For All Your Loan And Refinancing Needs

Our Melbourne-based mortgage brokers have years of experience and a wide range of home loan products to offer. We’ll work with you to find the right home loan tailored to your specific needs, whether you’re a first home buyer, an investor or a multiple property owner. By comparing a panel of lenders, we’ll help you secure the best deal and get a better rate.

Mel Finance can help you make informed decisions when buying investment properties. We offer a range of investment loans, and our experienced property finance brokers will work with you to find the right one tailored to your specific needs. Our team can advise on the best way to structure your loan for tax purposes, whether you’re a first-time buyer or expanding your portfolio.

Could you get a better deal? Find out by discussing your options for refinancing with our expert mortgage brokers. We’ll help you with the entire process, from exploring your options to finalising your refinanced mortgage.

Refinancing a loan could help you to get a lower interest rate, consolidate your debts into one loan, shorten your repayment period and help you become debt free quicker.

If you have multiple debts, you may be able to save money by consolidating your debts into one loan. This can also help make your repayments more manageable. A mortgage broker in Melbourne can advise on the best way to consolidate your debts and find a loan that suits your needs.

Mortgage Broker Melbourne

Speak To A Loan And Refinancing Specialist Now

Looking for guidance or advice on your property or financing journey?
Book a call with our team today to learn more about your options.

We Work With Over 47 Lenders

To Help You Get The Best Rates

Suncorp Mortgage Lender Logo
Westpac Mortgage Lender Logo
Rock Building Society Mortgage Lender Logo
resi Mortgage Lender Logo
pepper Mortgage Lender Logo
NAB Mortgage Lender Logo
me bank Mortgage Lender Logo
mac bank Mortgage Lender Logo
Liberty Financial Mortgage Lender Logo
La Trobe Financial Mortgage Lender Logo
ING Direct Mortgage Lender Logo
Heritage Bank Mortgage Lender Logo
Commonwealth Bank Mortgage Lender Logo
Citibank Mortgage Lender Logo
Bankwest Mortgage Lender Logo
Bank of Melbourne Mortgage Lender Logo

Lumbini was incredibly helpful throughout the whole process. We were first home buyers had had no idea where to start and he explained everything to us and answered every one... read more

Hannah M Avatar Hannah M
November 12, 2023

I am delighted to share my recent experience in purchasing a new home and express my heartfelt appreciation to our dedicated mortgage broker, Lumbini. Throughout the entire process, Lumbini exhibited... read more

Elizabeth Z Avatar Elizabeth Z
November 3, 2023

Lumbini was fantastic to work with. He made the process less complicated and provided appropriate advice and care. Overall a pretty seamless engagement and couldn't be happier with the outcome.... read more

David Lim Avatar David Lim
October 23, 2023

I had a great experience with Mel Finance! I was able to buy my first property hassle free thanks to Lumbini. He is very knowledgeable and attentive. He compared different loan... read more

Foodie Doc Melbourne Avatar Foodie Doc Melbourne
September 20, 2023


At Mel Finance, we offer the following financial services & loans in Melbourne VIC

At Mel Finance, we understand that everyone’s financial circumstances are different. This is why we offer a personalised service, and will work with you to find a business or home loan that suits your needs.

Mortgage Brokers Melbourne


Refinancing Your Home Loan

Refinancing home loan

Tips for Successfully Refinancing Your Home Loan Unlock the secrets to secure mortgage refinancing approval, even in a climate of rising interest rates. As interest

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The team at Mel Finance are experienced mortgage brokers based in Melbourne. We work with a panel of lenders to find the best loan for your needs. We offer a free consultation to discuss your needs and provide expert advice. Contact us today to book a consultation.

We know that purchasing your first home is an exciting yet often daunting experience. The Mel Finance team helps first homeowners in Melbourne navigate buying a property, figuring out your borrowing capacity, securing a home loan, understanding different mortgage options & mortgage products and dealing with lenders mortgage insurance (LMI). Move into the home of your dreams with a loan that suits you by working with our trusted mortgage brokers.

Our mission is to offer Melbourne residents a seamless and stress-free service, helping them through the entire refinance, mortgage or loan process. We prioritise the needs of our clients and strive to get them the best deals.

We are an industry-leading authority, entirely focused on providing the best service and offers in Melbourne. We are an MFAA (Mortgage and Finance Association of Australia) approved mortgage brokers in Melbourne, making us fully compliant with industry standards. If you’re curious about your lending situation, check out our basic mortgage repayment calculator.

Home loan broker Melbourne


Read on to discover the top 10 questions to consider before you buy your first home in the next 3 months


Top 5 Mortgage Broker in VIC/TAS out of 4500 mortgage Brokers.


Won the Choice Aggregation Platinum Award out of 1400 Mortgage Brokers in the VIC /TAS group.


Recognised as an Elite broker by Commonwealth Bank Australia due to the quality of loan submissions and accuracy.


Listed in the top 25 brokers for Customer Service out of 19,000 Mortgage Brokers Australia-wide.

Why use a mortgage broker Melbourne


A mortgage broker is a must for anyone in the market for a new home loan. We do all the investigations for you to find you the best deal and explain the lending process and any lending fees associated with your loan. Unlike other mortgage brokers, at Mel Finance, our mission is to serve Melbourne residents with a seamless process leaving you without stress and hassle.

Buying Your First Home in Melbourne


Seeking your first home as a new buyer can be daunting and we help our customer navigate the minefield of home loans here in Melbourne. Secure the property of your dreams with a loan that’s the perfect fit for you and your situation.


We seperate ourselves from our competitors by being the authority in the industry. We are an MFAA (Mortgage & Finance Association of Australia) approved mortgage broker based in Melbourne making us fully compliant with industry standards. We always put our clients’ needs first and our 5-star Google reviews speak for themselves. Look no further than MelFinance for a suitable home loan option.


At Mel Finance, we’ve helped a number of clients secure home loans & mortgages in Melbourne.

A mortgage broker melbourne is an intermediary who acts between the borrower, the lender and uses their knowledge and software in order to source competitive rates for the borrower and facilitate a smooth settlement. Mel Finance is there to protect the borrower’s interests and manages the mortgage process.

There are many different mortgage products on the market and it can be overwhelming to compare them all. A Mortgage Broker Melbourne will assist the borrower in navigating the many options. He or she will explain the differences between the products and help you choose the right loan. Once a product is selected, the mortgage broker will help ensure everything runs smoothly and the borrower is kept informed at all times.

Our company has helped the residents of Melbourne and its suburbs for over nine years. We have been developing our mortgage processes over the years to ensure that our clients get the best outcome. Look at the testimonials of our clients to see why they love us!

Our service is free of charge.

The lender you choose pays us a commission. This is fully disclosed to the client at the beginning. There are also fees and charges from the government and Lenders.

We will provide you with a Credit Guide which outlines our general compensation and our Credit Proposal Disclosure document when we are chosen to arrange your finance. This details the amount your lender will pay after settlement of your loan.

Our advice is based solely on the best interests of the borrower. It has nothing to do with what we get paid. We make it our top priority to ensure that our clients are satisfied.

Mel Finance will not forget you after your loan has been settled. Mel Finance is paid a continuing trailing commission from the lender that you selected to remain available to answer your questions and modify your loan as necessary, such as fixing or switching products.

Your broker will check your loan every year to make sure it is still suitable for your needs. Your broker will also review it against other rates and negotiate with your existing lender to get a better rate.

We service clients in the Melbourne CBD area and across the surrounding suburbs of Melbourne.



Schedule A No-Obligation Call

With Melbourne's Premier Mortgage Broker

    Melfinance MFAA 2023
    MelFinance Elite Broker 2023
    Melfinance MFAA 2021
    Free Consultation 1800 941 947