Mel Finance

Melbourne's Premier Mortgage Brokers

5.0

140+ Google Reviews

Access The Best Rates For Home Loans and Refinancing

Fast | Simple | Lowest 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 Thomastown

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 Thomastown mortgage affairs.

All-Inclusive Finance Broker Solutions

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.

Your Go-To for Loan and Refinancing Solutions

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. 

 We know that purchasing your first home is an exciting yet often intimidating experience. The Mel Finance team helps first homeowners in Thomastown navigate buying a property, figuring out your borrowing capacity, securing a home loan, understanding different mortgage options and mortgage products and dealing with lenders mortgage insurance (LMI). Move into the home of your dreams with a loan that suits you by working with our trusted mortgage brokers. 

Wondering if there’s a better offer out there? Explore your refinancing options with our experienced mortgage brokers. We’ll guide you from start to finish, helping you weigh your alternatives and settle on a newly refinanced mortgage. Refinancing can be a pathway to obtaining a more favourable interest rate, rolling your debts into a single loan, cutting down the repayment time, and reaching debt freedom sooner. 

Applying for a home loan with bad credit history can be daunting. At Mel Finance, our experienced team will guide you through the process, from strengthening your application to choosing the right lender to meet your needs. 

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 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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Speak To A Loan And Refinancing Specialist Now

Looking for guidance or advice on your property or financing journey?

Get in touch with our team today to find out what’s available.

We Partner With Over 47 Lenders To Bring You Competitive Rates

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Hear From Our Satisfied Clients

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

Work With Award-Winning Mortgage Brokers

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 Brokers You Can Trust

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. 

Arrange for a complimentary consultation to go over your needs with a knowledgeable mortgage broker in your local Thomastown area today.

Melbourne mortgage broker

The Mel Finance Difference

MFAA APPROVED

In Thomastown, 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

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

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

With full licensing and ASIC registration, we're in tune with the specialised demands of the mortgage industry.

CLIENT-FOCUSED

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

Mortgage Broker FAQs

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.

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 Thomastown 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.

Getting a home loan can often result in high monthly repayments due to costly lender fees and varying interest rates. A mortgage broker can help you navigate this by offering customised financial advice and introducing you to deals you may not find on your own. Partner with an experienced team like Mel Finance, and you’ll be on your way to securing a loan with favourable rates that suit your individual 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.

Our company has helped the residents of Thomastown for over 12 years. We have been developing our mortgage processes over the years to ensure our clients get the best options and financing support, regardless of their circumstances. Look at the testimonials of our clients to see why they love us! If you’re looking for the best mortgage brokers in Thomastown, give our team at Mel Finance a call.

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.

The relationship doesn’t end once your loan is settled. Mel Finance continues to support you, funded by a trailing commission from the lender you pick. This allows us to remain available for queries or to help you make changes to your loan structure, such as switching products. We also annually evaluate your loan’s suitability and negotiate better terms with your lender when possible.

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

Finance News And Resources

Refinancing Your Home Loan

Refinancing home loan

Tips for Successfully Refinancing Your Home Loan Unlock the secrets to secure mortgage refinancing approval, even in a climate of rising interest rates. As interest

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Unlock Your Financial Potential With Mel Finance - Contact Your Local Mortgage Brokers Today!

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 Thomastown.
Melbourne best mortgage broker

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      Melfinance MFAA 2023
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