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Mortgage Broker Diamond Creek
Welcome to Mel Finance
With a well-earned standing as a premier mortgage broker in Melbourne, Mel Finance takes pride in presenting personalised loan and refinancing plans designed to save you both time and money. Our high number of five-star ratings from satisfied clients across Australia and partnerships with an extensive range of lenders solidify our position as the reliable choice for your Diamond Creek mortgage needs.
All-Inclusive Finance Broker Solutions
Here For All Your Loan And Refinancing Needs
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.
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.
Purchasing your first home is an emotional rollercoaster, filled with excitement and apprehension. At Mel Finance, we guide first-time homebuyers in Diamond Creek 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.
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.
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.
If you’re a doctor or medical professional you may be eligible for a number of benefits when you take out a home loan, including lower interest rates, higher loan amounts and waived 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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Need some insight or advice for your property or financing adventure?
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Home Loan Professionals You Can Rely On
Searching for the right home or commercial property loan? It’s crucial to have an informed team backing you. At Mel Finance, our expert mortgage brokers are rich in experience and committed to finding a loan that serves you best.
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.
Schedule a no-cost consultation to chat about your requirements with an expert mortgage broker in Diamond Creek today.
The Mel Finance Difference
MFAA APPROVED
We're MFAA (Mortgage and Finance Association of Australia) approved mortgage brokers in Diamond Creek.
AWARD WINNING
We've consistently been identified as a standout mortgage broker in Melbourne.
12 YEARS EXPERIENCE
For more than a decade, we've been partnering with clients to reach their financial aspirations.
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
Being fully licensed and ASIC-registered mortgage brokers, we're well-versed in the industry's specific requirements.
CLIENT-FOCUSED
At Mel Finance, rest assured that your goals and requirements are always at the forefront of our efforts.
Frequently Asked Questions
What's the function of a mortgage broker?
A mortgage broker serves as a bridge between you, the borrower, and the lending institution. Using their skillset and software tools, they work to find you the most favourable interest rates and ensure that the mortgage process runs seamlessly.
Why do you need a mortgage broker to help you?
There are many different mortgage products on the market, and it can be overwhelming to compare them all. A Mortgage Broker 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. Beyond helping you at the time of purchase, mortgage brokers in Diamond Creek can provide ongoing support. With this expert guidance from your broker, you can be sure you’re getting the best business or home loan options available to you.
Can a mortgage broker help me save money on monthly repayments?
When hunting for a home loan, engaging a mortgage broker can significantly reduce your monthly repayments. Given the potential for high lender fees and fluctuating interest rates, having a skilled intermediary is crucial. A proficient mortgage broker can tailor advice to your financial circumstances and can open doors to offers that might not be publicly available. By partnering with an experienced company like Mel Finance, you can secure a loan with competitive rates that meet your needs.
How does a mortgage broker save me money long-term?
If it’s your first time getting a loan, you might question the need for a mortgage broker when you can talk directly to a bank. However, our expertise allows us to assess your specific needs and compare loan options from a range of lenders, extending beyond just the major banks. We take into account LMI and fluctuating interest rates, ensuring that you get the most value for your money in the long run, minimising monthly payments and total interest costs.
What sets Mel Finance apart from other mortgage brokers?
Having supported the Diamond Creek 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 Diamond Creek, Mel Finance is your ideal partner.
What are the costs involved in availing Mel Finance's services?
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.
Are there any post-settlement services provided?
After your loan is settled, Mel Finance remains your trusted support provider. Funded by a trailing commission from the lender you’ve chosen, we continue to offer assistance, be it answering questions or making necessary adjustments to your loan package. We conduct yearly reviews of your loan, ensuring its suitability and renegotiating terms with your lender as required.
In which suburbs can Mel Finance assist with home loans?
Mel Finance is available to clients in the Melbourne CBD and nearby suburbs such as Diamond Creek.
View our service locations here.
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Unlock Your Financial Potential With Mel Finance - Contact Your Local Mortgage Brokers Today!
To embark on your financial journey with one of our seasoned finance or mortgage brokers in Diamond Creek, get in touch with us today.