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Mortgage Broker Hughesdale
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 Hughesdale mortgage affairs.
A Full Range of Finance Broker Solutions
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.
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.
Stepping into the realm of homeownership for the first time can be both exhilarating and nerve-wracking. Our team at Mel Finance is here to help first-time buyers in Hughesdale sail smoothly through the process of purchasing a property. This includes assessing your borrowing potential, securing a suitable home loan, decoding various mortgage alternatives, and handling lenders mortgage insurance (LMI). Embark on your homeownership adventure with a loan that aligns with your needs, backed by our trustworthy 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.
Navigating a home loan application with a poor credit record can feel overwhelming. The Mel Finance team is here to assist you every step of the way, from enhancing your application to selecting a lender that aligns with your requirements.
If you work as a doctor or in another medical field, you could qualify for some significant advantages when obtaining a home loan. This includes reduced interest rates, greater loan sums and the removal of Lenders Mortgage Insurance (LMI) costs.
Being self-employed often makes the loan application process more complex, as lenders look for steady income proof. Mel Finance can guide you through assembling the documentation you need and help you decipher different lending choices, interest rates and additional factors.
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Looking for guidance or advice on your property or financing journey?
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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.
Plus, we offer an obligation-free discovery session, allowing you to gain insights into how Mel Finance can assist you in becoming a homeowner and securing an ideal mortgage for your needs.
Secure your spot for a free consultation and discuss your needs with an experienced mortgage broker from Hughesdale today.
The Mel Finance Difference
MFAA APPROVED
In Hughesdale, we're recognised as mortgage brokers with MFAA (Mortgage and Finance Association of Australia) accreditation.
AWARD WINNING
We've been recognised as one of Melbourne's leading mortgage brokers for several years running.
12 YEARS EXPERIENCE
With over 12 years under our belt, we've assisted clients in realising their financial objectives.
FULLY QUALIFIED
Lumbini's credentials include an MBA in Mortgage Broking from the University of Wales, as well as a Cert IV and a Diploma in Mortgage Broking and Finance.
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.
Mortgage Broker FAQs
What role does a mortgage broker play?
A mortgage broker is an intermediary who acts between the borrower and the lender and uses their knowledge and software in order to source competitive rates for the borrower and facilitate a smooth settlement. Mel Finance is there to protect the borrower’s interests and manages the mortgage process.
Why should I consider a mortgage broker for my loan needs?
Navigating through the multitude of mortgage options can be daunting. That’s where a Mortgage Broker comes in. They help you understand the fine print and guide you in selecting a loan that aligns with your needs. After making a choice, your broker ensures that the process unfolds without hiccups, keeping you updated at every step. If you’re in Hughesdale, our brokers are available for long-term support as well. With this personalised service, you can be confident that you’re securing the best loan for your circumstances.
Is it possible for a mortgage broker to reduce my monthly payments?
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.
In what ways can a mortgage broker help with long-term savings?
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's the difference between Mel Finance and other mortgage brokers?
For over a decade, Mel Finance has been serving Hughesdale 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 Hughesdale, your search ends with Mel Finance.
What are the costs involved in availing Mel Finance's services?
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.
What happens after the loan is finalised?
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?
We service clients in the Melbourne CBD area, including Hughesdale, 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!
To get started with one of our seasoned finance or mortgage brokers in Hughesdale, connect with us today.