Melbourne's Premier Mortgage Brokers
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Welcome to Mel Finance
Mortgage Broker Cheltenham
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 Cheltenham mortgage affairs.
Chat With A Loan And Refinancing Expert Now
Seeking direction and guidance on your property investment or financial path?
Book a call with our team today to learn more about your options.
our services
Catering to All Your Loan and Refinancing Requirements
First Home buyers
Purchasing your first home is an emotional rollercoaster, filled with excitement and apprehension. At Mel Finance, we guide first-time homebuyers in Cheltenham through the maze of property acquisition, from assessing your borrowing ability to navigating home loans and sorting through mortgage options, as well as managing lenders mortgage insurance (LMI). Achieve your dream of a perfect home with a loan that’s right for you, all with the help of our dependable mortgage brokers.
Refinancing
Wondering if there’s a better offer out there? Explore your refinancing options with our experienced mortgage brokers. We’ll guide you from start to finish, helping you weigh your alternatives and settle on a newly refinanced mortgage. Refinancing can be a pathway to obtaining a more favourable interest rate, rolling your debts into a single loan, cutting down the repayment time, and reaching debt freedom sooner.
Home Loans
With years of know-how and a comprehensive line-up of home loan choices, our team is here to guide you in selecting the right home loan for your unique needs. Whether you’re new to the property game, an investor, or own multiple properties, we’ll compare a range of lenders to help you secure a fantastic deal and a more competitive rate.
Investment Property Loans
Turn to Mel Finance for the guidance you need for successful investment property acquisitions. With an extensive range of investment loan options, our skilled property finance brokers will work alongside you to pinpoint the right loan customised to your needs. Whether you’re a first-timer or looking to increase your real estate assets, we can advise you on the most tax-efficient way to set up your loan.
Doctor Loans
For those in doctor or medical fields, there are exclusive perks you could enjoy when securing a home loan, like discounted interest rates, more substantial loan amounts and Lenders Mortgage Insurance (LMI) exemptions.
Self Employed Home Loans
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.
Professionals
Home Loan Professionals You Can Rely On
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.
We invite you to book a complimentary discovery session, giving you an obligation-free opportunity to explore our services and understand how we can guide you to homeownership with a mortgage that meets your needs.
Book a free consultation and discuss your needs with an experienced Cheltenham mortgage broker today.
We Work With Over 55+ Lenders
Giving you more options to find the right loan for your needs. Access 55+ banks and lenders
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client testimonials
See What Our Clients Are Saying
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Reach Us
Reach Your Financial Goals With Mel Finance - Speak to Our Local Mortgage Brokers Now!
By teaming up with Mel Finance, you’re selecting a tailored experience that prioritises your unique needs. Our customer support is committed to recognising you as an individual, not merely as a case number, and we’re devoted to securing the best results for you.
To get started with one of our seasoned finance or mortgage brokers in Cheltenham, connect with us today.
why choose mel finance
Why Choose Mel Finance
FAQ
Frequently Asked Questions
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 Cheltenham offer sustained guidance, allowing you to make the best financial decisions possible.
Searching for a home loan can be a costly affair, especially with steep lender fees and rising interest rates. This is where a mortgage broker can prove invaluable. They can offer personalised financial guidance and access to exclusive deals, thereby lowering your monthly repayments. So, for optimal financial solutions, trust a well-versed team like Mel Finance to secure a loan with the most advantageous rates.
If you’re getting your first loan, it may feel as though engaging a third party in the loan process could be counterintuitive – after all, you can speak directly to the bank to get a home loan. We assist in the process by weighing up your specific needs and comparing your options across dozens of lenders beyond just the top-4 big banks, including some you may not have considered if they are not top of mind. LMI and interest rates vary between providers, and we help calculate which loans are the best bang-for-buck options for you, to keep your regular payments to a minimum, and reduce the interest you pay over the life of your loan.
Having supported the Cheltenham 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 Cheltenham, Mel Finance is your ideal partner.
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. So, your monthly payments for your loan will not incur extra because you worked with a broker. Instead, you’ll save money because you chose to use mortgage brokerage services.
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 assist clients primarily in the Melbourne CBD as well as the neighbouring suburbs, like Cheltenham, in Melbourne, Australia.
View our service locations here.