Mel Finance

Melbourne's Premier Mortgage Brokers

5.0

140+ Google Reviews

Access The Best Rates For Home Loans and Refinancing

Fast | Easy | Competitive Rates

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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 East Melbourne

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 East Melbourne mortgage needs.

Comprehensive Financial Broker Solutions

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.

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.

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. 

 Buying your first home can be a thrilling but daunting journey. The Mel Finance crew assists aspiring homeowners in East Melbourne in understanding the property market, determining how much you can borrow, obtaining a home loan, familiarising yourself with various mortgage options and addressing lenders mortgage insurance (LMI). Realise your dream of homeownership with a loan tailored to your needs through our reliable 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. 

Going through a home loan application when you have a shaky credit history can be challenging. At Mel Finance, our seasoned team will steer you through the entire process, from optimising your application to pinpointing the lender that suits your circumstances. 

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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Get in Touch With A Loan And Refinancing Specialist Today

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

Schedule a chat with our team today to explore your possibilities.

We Work With Over 47 Lenders To Help You Get 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.

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. 

Secure your spot for a free consultation and discuss your needs with an experienced mortgage broker from East Melbourne today.

Melbourne mortgage broker

The Mel Finance Difference

MFAA APPROVED

We hold MFAA (Mortgage and Finance Association of Australia) approval as mortgage brokers serving the East Melbourne area.

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

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.

Frequently Asked Questions

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 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 East Melbourne, 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 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.

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.

Mel Finance has been a pillar in the East Melbourne 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 East Melbourne, consider Mel Finance as your go-to choice.

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.

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.

Mel Finance is available to clients in the Melbourne CBD and nearby suburbs such as East Melbourne.
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!

Choosing Mel Finance means you’re opting for a highly personalised experience. We prioritise treating you like a human being rather than just a number, and we never stop pushing for the best possible solutions for your specific situation.

Reach out today to begin your relationship with a knowledgeable finance or mortgage broker in East Melbourne.
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      Melfinance MFAA 2023
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