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 Toorak

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 Toorak mortgage needs.

Comprehensive Financial Broker Solutions

At Mel Finance, we recognise that each person's financial situation is unique. That's why we provide tailored service, collaborating with you to identify a business or home loan that aligns with your specific needs.

Here For All Your Loan And Refinancing Needs

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. 

 Purchasing your first home is an emotional rollercoaster, filled with excitement and apprehension. At Mel Finance, we guide first-time homebuyers in Toorak 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 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. 

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

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

We Work With Over 47 Lenders To Help You Get The Best 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

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

When it comes to finding the right home loan or commercial property loan, it pays to have an expert on your side. At Mel Finance, our team of expert mortgage brokers have a wealth of experience and knowledge to offer and are committed to helping you find the loan that best suits your needs. 

Additionally, we provide a no-obligation discovery session to help you understand our services better and how they can benefit you. We welcome you to explore what Mel Finance offers and how we can assist you in securing the most beneficial mortgage. 

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

Melbourne mortgage broker

What Sets Mel Finance Apart

MFAA APPROVED

In Toorak, we're recognised as mortgage brokers with MFAA (Mortgage and Finance Association of Australia) accreditation.

AWARD WINNING

We've consistently been identified as a standout mortgage broker in Melbourne.

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

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 Toorak 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.

If you’re a first-time borrower, you might wonder why you’d need a mortgage broker when you can directly engage with a bank. What we bring to the table is the ability to scrutinise your particular financial needs and compare a vast array of lenders beyond just the big four. We factor in elements like LMI and interest rates to pinpoint the most economical options for you. This not only lowers your monthly repayments but also reduces the total interest you’d pay over the loan’s lifespan.

Mel Finance has been a pillar in the Toorak 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 Toorak, 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.

Once your loan is finalised, Mel Finance continues to be your partner. We receive a trailing commission from your chosen lender, which enables us to provide ongoing service, including answering your queries and making necessary modifications to your loan. Our brokers will annually review your loan to ensure it continues to meet your financial goals, and negotiate with your lender for more favourable rates if needed.

We service clients in the Melbourne CBD area, including Toorak, and across the surrounding suburbs of Melbourne, Australia.
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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Achieve Your Financial Goals With Mel Finance - Call Your Local Mortgage Brokers, today!

When you opt for Mel Finance, you’re signing up for a truly individualised service. Our customer care focuses on treating you as an individual, not just a file number, and we consistently aim for the optimal outcome tailored to your unique circumstances.

To embark on your financial journey with one of our seasoned finance or mortgage brokers in Toorak, get in touch with us today.
Melbourne best mortgage broker

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