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Mortgage Broker Elwood
Welcome to Mel Finance
At Mel Finance, we’ve earned a reputation as one of the leading mortgage brokers in Melbourne. We specialise in delivering customised loan and refinancing options that save you time and money. With hundreds of five-star reviews from satisfied Australians and access to a wide range of lenders, we’re the trusted choice for all your Elwood mortgage needs.
All-Inclusive Finance Broker Solutions
Catering to All Your Loan and Refinancing Requirements
Our team have years of experience and a wide range of home loan products to offer. We’ll work with you to find the right home loan tailored to your specific needs, whether you’re a first home buyer, an investor or a multiple property owner. By comparing a panel of lenders, we’ll help you secure the best deal and get a better 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.
Buying your first home can be a thrilling but daunting journey. The Mel Finance crew assists aspiring homeowners in Elwood 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.
Could there be a better option for you? Discuss your refinancing opportunities with our expert mortgage brokers. We’ll take you through every step, from investigating your possible choices to putting the finishing touches on your refinanced mortgage. Refinancing could pave the way for lowering your interest rates, merging all your debts into one streamlined loan, shortening the time frame for repayments, and getting you on track to be debt-free faster.
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.
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 an entrepreneur, you may have stumbled upon some roadblocks when trying to show lenders that you can manage a loan. Mel Finance can assist you in compiling all the necessary income proof and help you weigh your options when it comes to lenders and interest rates.
Chat With A Loan And Refinancing Specialist Today
In search of help or advice on your real estate or financial decisions?
Book a call with our team today to learn more about your options.We Partner With Over 47 Lenders To Bring You Competitive Rates
Hear From Our Satisfied Clients
Partner With Our Award-Winning Home Loan Professionals
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.
What’s more, we offer a free discovery session, so you can learn more about what we do and how we can help you, without any obligation. We invite you to learn more about Mel Finance and how we can help you become a homeowner and get the best mortgage possible.
Secure your spot for a free consultation and discuss your needs with an experienced mortgage broker from Elwood today.
Why Choose Mel Finance
MFAA APPROVED
We're MFAA (Mortgage and Finance Association of Australia) approved mortgage brokers in Elwood.
AWARD WINNING
For several years in a row, we've stood out as one of the go-to mortgage brokers in Melbourne.
12 YEARS EXPERIENCE
For more than a decade, we've been partnering with clients to reach their financial aspirations.
FULLY QUALIFIED
Holding a Mortgage Broking Diploma (MBA) from the University of Wales, along with a Cert IV and Diploma in Mortgage Broking and Finance, Lumbini is highly qualified to help.
FULLY LICENSED
Being fully licensed and ASIC-registered mortgage brokers, we're well-versed in the industry's specific requirements.
CLIENT-FOCUSED
With Mel Finance, your objectives and needs always come first, that's our promise to you.
FAQs
Can you explain the job of a mortgage broker?
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.
Why do you need a mortgage broker to help 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 Elwood, 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.
How can a mortgage broker assist in lowering my 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.
How does Mel Finance stand out among other mortgage brokers?
For over a decade, Mel Finance has been serving Elwood and the surrounding areas, continually refining our mortgage strategies to offer optimal solutions to our clients, no matter their financial situation. Our client testimonials attest to our high level of service. If you’re in search of trustworthy mortgage brokers in Elwood, your search ends with Mel Finance.
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.
Do mortgage brokers offer an ongoing service?
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.
Where can I utilise Mel Finance's services?
We service clients in the Melbourne CBD area, including Elwood, and across the surrounding suburbs of Melbourne, Australia.
View our service locations here.
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Reach Your Financial Goals With Mel Finance - Speak to Our Local Mortgage Brokers Now!
Reach out today to begin your relationship with a knowledgeable finance or mortgage broker in Elwood.