Mel Finance

Melbourne's Premier Mortgage Brokers

5.0

140+ Google Reviews

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Mel Finance is listed in the top 25 brokers for Customer Service out of 19,000 Mortgage Brokers Australia-wide

Mortgage Broker Melbourne

Mortgage Broker Beaumaris

Welcome to Mel Finance

A leading figure in the Melbourne mortgage scene, Mel Finance excels in creating individualised loan and refinancing options that maximise your time and financial resources. Backed by an array of top reviews from satisfied Australian clients and a broad lender network, we stand as your trusted option for all Beaumaris mortgage affairs.

All-Inclusive Finance Broker Solutions

Knowing that financial scenarios can greatly differ from person to person, Mel Finance offers a personalised approach. We work closely with you to find a home or business loan that's just the right fit for your needs.

Catering to All Your Loan and Refinancing Requirements

With extensive experience and a diverse array of home loan options, our team is committed to helping you find a home loan that suits your individual needs, whether you’re buying your first home, investing in property, or you own multiple homes. By reviewing offers from various lenders, we’ll assist you in obtaining a great deal and a more favourable rate.

At Mel Finance, we aim to guide you through the complexities of purchasing investment properties. With a variety of investment loan options, our knowledgeable property finance team will collaborate with you to select the most suitable one for your particular situation. Whether you’re new to investing or growing your portfolio, we can provide guidance on how to optimise your loan structure for tax benefits. 

 Stepping into the realm of homeownership for the first time can be both exhilarating and nerve-wracking. Our team at Mel Finance is here to help first-time buyers in Beaumaris sail smoothly through the process of purchasing a property. This includes assessing your borrowing potential, securing a suitable home loan, decoding various mortgage alternatives, and handling lenders mortgage insurance (LMI). Embark on your homeownership adventure with a loan that aligns with your needs, backed by our trustworthy mortgage brokers. 

Is a more attractive deal within reach? Evaluate your refinancing options with our team of knowledgeable mortgage brokers. We’re here to assist you through the entire journey, from considering your choices to sealing the deal on your refinanced mortgage. Refinancing might open doors to a reduced interest rate, consolidating your various debts into one manageable loan, shortening your repayment schedule, and speeding up your route to being debt-free. 

Navigating a home loan application with a poor credit record can feel overwhelming. The Mel Finance team is here to assist you every step of the way, from enhancing your application to selecting a lender that aligns with your requirements. 

If you’re a doctor or healthcare professional,  you may have access to a suite of benefits upon taking out a home loan. These could encompass lower interest charges, greater loan capacity and the waiving of Lenders Mortgage Insurance (LMI).

If you’re self-employed you may have found it difficult to prove to lenders that your business can support your application for a loan. Mel Finance can help you collate the required proof of income and navigate options for lenders, interest rates and more. 

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Get in Touch With A Loan And Refinancing Specialist Today

Looking for guidance or advice on your property or financing journey?

Book a call with our team today to learn more about your options.

Teaming Up With 47+ Lenders To Help You Find The Best Rates

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Hear From Our Satisfied Clients

Great experience! Lumbini is a great advisor and I would highly recommend him for future brokering advice.
Lachie Sinclair
Lachie Sinclair
February 28, 2024
Best broker I’ve dealt with! I haven’t had to lift a finger, went through the whole process better than I could have ever asked for. I had a ton of questions and got them answered without even asking them. You’re an absolute star Lumbini.
Sandeep Singh
Sandeep Singh
February 24, 2024
Lumbini was amazing with helping me a get a home loan, he explained things easily, found a bank and loan that was suited to me and was there 100% throughout the transaction, Lumbini is officially my broker and would happily recommend him to anyone - thanks Lumbini
Sarah Lewellin
Sarah Lewellin
January 24, 2024
Lumbini made the process so simple and easy for us! He was able to get the approval for us within short period of time to meet the settlement time. He is very professional, patient and supportive through the process of organising the loan and everything went through seamlessly. Would highly recommend!
Andrew Liang
Andrew Liang
January 9, 2024
Managed out refinance excellently. Communication was great.
Maxwell Chiazor
Maxwell Chiazor
January 8, 2024
Our first home buying experience was stress free and less daunting with Lumbini's assistance and reassurance throughout the whole journey. Lumbini always ensures that all our queries and requests are addressed in a prompt manner. He is knowledgeable and his advice is practical and always for our best interest. We are very pleased to have found Lumbini as our mortgage broker. I would highly recommend Mel Finance for anyone who is looking for home financing.
Maria T
Maria T
December 24, 2023
Mel Finance and Lumbini for Best long term mortgage engagements!! We just completed our second property with them and looking forward for more!!! When it comes to mortgages and account formation Lumbini always take care of details and gives you a great peace of mind. Best offers and market leading lenders are their specialties. Apart from just getting the loan sanctioned they advise you on facts and reality which help you make best decision rather than burning money in a long run. Unlike just client lender broker relationship Lumbini and Melfinance strive to keep a long term relationship with client which is only possible by providing quality services and continuous support. Look no further if you need best advices on current market conditions!
Jayesh Nath
Jayesh Nath
December 4, 2023
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 of our questions with patience. I would highly recommend Lumbini as your mortgage broker he is experienced and helps put your mind at ease with all the stressors. Would recommend him to family and friends without question!
Hannah M
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 a remarkable level of professionalism, great service, and care. His patience and attention to detail during our consultations were truly outstanding, making the complex journey of securing a mortgage simple and seamless. I wholeheartedly recommend his services to anyone in need of expert guidance in the mortgage arena. Thank you, Lumbini, for your exceptional support and expertise! 😊
Elizabeth Z
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. Would definitely be engaging for future mortgage needs. 😀
David Lim
David Lim
October 23, 2023

Partner With Our Award-Winning Home Loan Professionals

Melfinance MFAA 2021
2021

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

Melfinance MFAA 2023
2023

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

MelFinance Elite Broker 2023
2022/2023

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

Melbourne-Mortgage-Brokers-Award-1.png
2023

Listed by Top Experts who reviewed 131 Mortgage Brokers in Melbourne.

Mortgage-Broker-Melbourne-Choice-Annual-Award-Broker-Seal
2023

Won 2023 Choice Platinum Achiever by LMG.

Platinum Achiever Award 2022
2022

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

Mortgage Advisers You Can Have Confidence In

In the quest for the perfect home or commercial property loan, a knowledgeable ally is invaluable. The mortgage brokers at Mel Finance are equipped with extensive experience and a commitment to helping you secure a loan that’s customised to your individual requirements. 

Additionally, we provide a no-obligation discovery session to help you understand our services better and how they can benefit you. We welcome you to explore what Mel Finance offers and how we can assist you in securing the most beneficial mortgage. 

Arrange for a complimentary consultation to go over your needs with a knowledgeable mortgage broker in your local Beaumaris area today.

Melbourne mortgage broker

Why Choose Mel Finance

MFAA APPROVED

As mortgage brokers in Beaumaris, we're backed by MFAA (Mortgage and Finance Association of Australia) approval.

AWARD WINNING

Mel Finance has consistently been recognised as a leading mortgage broker over consecutive years.

12 YEARS EXPERIENCE

We've dedicated over 12 years to guiding clients towards attaining their financial targets.

FULLY QUALIFIED

Lumbini has a Diploma of Mortgage Broking (MBA) from the University of Wales and a Cert IV and a Diploma in Mortgage Broking and Finance.

FULLY LICENSED

With full licensing and ASIC registration, we're in tune with the specialised demands of the mortgage industry.

CLIENT-FOCUSED

When working with Mel Finance, you can trust your goals and needs will always be our priority.

Your Questions Answered

As a mortgage broker, Mel Finance operates as a liaison between you and the lender. Our know-how and software applications enable us to fetch competitive rates and streamline the mortgage settlement process. We’re committed to upholding your interests and handling all the intricacies of the mortgage operation.

The mortgage landscape is vast and confusing, with a multitude of products to consider. A Mortgage Broker simplifies this complexity, walking you through the different options and helping you select a loan that suits you best. Once you’ve picked a loan, the broker ensures the process goes smoothly and keeps you in the loop. Additionally, brokers in Beaumaris offer sustained guidance, allowing you to make the best financial decisions possible.

Getting a home loan can often result in high monthly repayments due to costly lender fees and varying interest rates. A mortgage broker can help you navigate this by offering customised financial advice and introducing you to deals you may not find on your own. Partner with an experienced team like Mel Finance, and you’ll be on your way to securing a loan with favourable rates that suit your individual needs.

You might think that directly approaching a bank for your first loan would eliminate the need for a mortgage broker. However, our role is to evaluate your individual requirements and broaden your horizons by comparing various lenders, not just the major four banks. We look at factors like LMI and interest rates and run the numbers to find the most cost-effective options for you. In doing so, we help reduce both your monthly payments and the total interest accrued over the loan term.

Having supported the Beaumaris community for over 12 years, Mel Finance prides itself on its evolving mortgage services, designed to offer the best possible options to clients from all walks of life. Our glowing client testimonials bear witness to our credibility and customer focus. If you’re looking for the most reliable mortgage brokers in Beaumaris, Mel Finance is your ideal partner.

We offer our services at no direct cost to you. The chosen lender compensates us through a commission, which is disclosed upfront. Apart from this, any fees are those imposed by government bodies and the lender themselves. Engaging us won’t make your loan more expensive; on the contrary, you’re likely to save money.

Once your loan is finalised, Mel Finance continues to be your partner. We receive a trailing commission from your chosen lender, which enables us to provide ongoing service, including answering your queries and making necessary modifications to your loan. Our brokers will annually review your loan to ensure it continues to meet your financial goals, and negotiate with your lender for more favourable rates if needed.

We assist clients primarily in the Melbourne CBD as well as the neighbouring suburbs, like Beaumaris, in Melbourne, Australia.
View our service locations here.

Finance News And Resources

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Realise Your Financial Objectives With Mel Finance - Get in Touch With Your Local Mortgage Brokers Now!

Opting for Mel Finance is a choice for individualised service. We ensure that you’re seen as a person rather than a number, continually striving to bring you the best outcomes for your unique situation.

Start your journey today with one of our experienced finance or mortgage brokers in Beaumaris by contacting us.
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