Mel Finance

Melbourne's Premier Mortgage Brokers

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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 Clayton

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 Clayton mortgage affairs.

A Full Range of Finance Broker Services

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.

Here For All Your Loan And Refinancing Needs

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.

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. 

 Purchasing your first home is an emotional rollercoaster, filled with excitement and apprehension. At Mel Finance, we guide first-time homebuyers in Clayton 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. 

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. 

Submitting a home loan application with a less-than-stellar credit background can be a challenging task. Our skilled team at Mel Finance will walk you through the journey, from strengthening your application to matching you with the right lender for your situation. 

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.

If you run your own business, securing a loan might be challenging due to lenders requiring evidence of stable income. Mel Finance is here to assist you in gathering the necessary financial documents and exploring various lending options, interest rates, and more. 

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In search of help or advice on your real estate or financial decisions?

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We Work With Over 47 Lenders To Help You Get The Best Rates

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Discover What Out Customers Are Saying

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

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

When it comes to finding the right home loan or commercial property loan, it pays to have an expert on your side. At Mel Finance, our team of expert mortgage brokers have a wealth of experience and knowledge to offer and are committed to helping you find the loan that best suits your needs. 

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 Clayton mortgage broker today.

Melbourne mortgage broker

Why Choose Mel Finance

MFAA APPROVED

We're MFAA (Mortgage and Finance Association of Australia) approved mortgage brokers in Clayton.

AWARD WINNING

We've consistently been identified as a standout mortgage broker in Melbourne.

12 YEARS EXPERIENCE

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

FULLY QUALIFIED

With a Diploma in Mortgage Broking (MBA) from the University of Wales, complemented by a Cert IV and another Diploma in the same field, Lumbini is well-equipped to assist you.

FULLY LICENSED

We're fully licensed mortgage brokers and registered with ASIC, meaning we understand the unique requirements of the industry.

CLIENT-FOCUSED

Choosing Mel Finance means putting your goals and necessities in capable hands, where they'll always be our main focus.

FAQs

At Mel Finance, our role is to act as a go-between for the borrower and the lending entity. We utilise our insights and tech platforms to secure the best possible rates for you while ensuring that the settlement process goes off without a hitch. Your interests are our priority, and we manage the entire mortgage cycle for you.

The range of available mortgage options can be staggering, making it difficult to choose the right one. This is where a Mortgage Broker steps in, providing clarity and direction in making the appropriate selection. Once a loan is chosen, the broker will manage the entire process, keeping you well-informed. If you’re from Clayton, know that the service doesn’t end with the purchase; you get ongoing support. With this level of personalised assistance, you can rest easy knowing you’re making wise financial choices.

When you’re looking for a home loan, working with a mortgage broker (either for residential or commercial property) is one of the best ways to save money on your monthly repayments. Lender fees can be expensive, and with rising interest rates, it’s important to have a professional find you the best loan available. A good mortgage broker will be able to provide expert advice for your financial situation, and give you access to deals that the banks may not offer you alone. So when purchasing property, always work with an experienced team of mortgage brokers, like Mel Finance, to get competitive rates and the right loan for you!

If you’re a first-time borrower, you might wonder why you’d need a mortgage broker when you can directly engage with a bank. What we bring to the table is the ability to scrutinise your particular financial needs and compare a vast array of lenders beyond just the big four. We factor in elements like LMI and interest rates to pinpoint the most economical options for you. This not only lowers your monthly repayments but also reduces the total interest you’d pay over the loan’s lifespan.

Mel Finance has been a pillar in the Clayton community for more than 12 years, perfecting our mortgage procedures to provide unmatched financing options to our diverse clientele. Our customer testimonials speak volumes about our commitment to excellence. For the premier mortgage brokers in Clayton, consider Mel Finance as your go-to choice.

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.

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.

Our services extend to the Melbourne CBD and its surrounding suburbs, including Clayton.
View our service locations here.

Finance News And Resources

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Achieve Your Financial Goals With Mel Finance - Call Your Local Mortgage Brokers, today!

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 Clayton, connect with us today.
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