Melbourne borrowers can start their search with Freedom Mortgage Solutions, EWM Accountants & Business Advisors, Mortgage Broker Melbourne, What If We Finance, Mel Finance, Inovayt, ARG Finance, My Mortgage Freedom, MYNT Financial and Mortgage Compare Plus. These mortgage brokers range from small advisory practices to firms combining residential lending with commercial finance, accounting or wealth services.
The right choice depends on the file. A self-employed borrower may benefit from a broker comfortable with business accounts, while an investor or developer needs someone who can explain structure and lender policy. Compare the person who will handle the work, their usable panel and recent experience. Obtain the credit guide and written fee disclosure before sending documents, and find out whether the relationship continues after settlement.
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Freedom Mortgage Solutions
Freedom Mortgage Solutions currently names Sean Lowe as its mortgage adviser. The service covers first homes, later purchases and investment property, with equity release and debt consolidation available for existing owners. It also helps clients refinance existing loans and lists personal, car and commercial lending. This spread may suit a household or business owner with more than one finance need.
Older material described experience with self-employed income, casual work, probation and past credit problems. These files depend heavily on lender policy and supporting evidence, so borrowers should ask how the current panel treats their exact income and credit history. Flexible meeting options can make document collection easier, but they do not replace a careful assessment.
Freedom Mortgage Solutions formerly used www.freedommortgagesolutions.com.au. The current group website says Sean is an authorised credit representative of QED Credit Services Pty Ltd, Australian Credit Licence 387856. Before sending a file, confirm the current secure contact point, the available lender panel and any direct fee in the credit guide.
EWM Accountants & Business Advisors
EWM Accountants & Business Advisors is an Oakleigh accounting and business advisory firm with finance and insurance in its broader offer. Managing director Anna Eydlish is listed as a registered credit representative and Finance Brokers Association of Australia member. The practice also works in tax, bookkeeping, payroll and SMSF accounting, with long-standing experience serving small businesses.
This mix may help a business owner whose borrowing position depends on current accounts, cash flow or entity structure. It can also reduce duplicated document requests when accounting and finance work are coordinated. Credit assistance, tax work and SMSF advice remain separate professional services, so the client should know who performs each part, which authorisation applies and whether a referral benefit arises. Current firm details are available at www.ewmaccountants.com.au.
EWM has worked with businesses in construction, medical services and manufacturing, among other fields. Familiarity with an industry can help a broker understand revenue patterns and document needs, but the lending recommendation still needs to stand apart from accounting or tax work.
Mortgage Broker Melbourne
Mortgage Broker Melbourne says it has worked with Melbourne borrowers since 1999. The boutique practice offers CBD meetings and mobile service, which may appeal to clients who want one consultant rather than a large processing team. Its site identifies the business as a credit representative of NewCo Financial Services Pty Ltd, Australian Credit Licence 385054, and an MFAA member.
The team lists first-home buyer lending, refinancing and investment property loans. The provider says one consultant manages the file through loan settlement, which gives the client a clear contact for conditions and lender questions. Annual reviews consider suitability and available loan terms; clients should establish whether those reviews compare external products or begin with the existing lender.
The provider states that it does not charge a broker service fee and receives disclosed lender commission, although government and lender charges can apply. Phone: 1800 111 626. Email: info@mortgagebrokermelbourne.net.au. Website: https://mortgagebrokermelbourne.net.au/
Mobile meetings and several CBD meeting points give clients some flexibility. Before relying on the fee statement, borrowers should read the current credit guide and separate the broker’s service fee from lender charges or government costs attached to the transaction.
What If We Finance
What If We Finance describes itself as an independent mortgage broker with access to more than 50 banks and lenders. Seven-day appointments can help borrowers who cannot meet during business hours. The firm handles home purchases, refinancing, property investment and self-employed lending, then promotes ongoing customer service through reviews after settlement.
The firm holds Australian Credit Licence 389609 and says its broking service is lender-paid. The commission disclosure should still identify how payment works and which panel lenders were available. Compare proposed interest rates, total costs and loan features against the client’s stated needs and borrowing capacity. A convenient appointment schedule has little value if the loan structure does not suit the borrower.
Phone: 03 8804 1354. Email: info@melbournemortgage.com.au. Website: https://melbournemortgage.com.au/
Self-employed borrowers should bring recent financial statements and tax returns to the first detailed discussion. The broker can then identify which lenders use standard income assessment and which may consider alternative evidence, without assuming that a specialist product is required.
Mel Finance
Mel Finance advertises access to more than 55 lenders and covers a wide range of borrower types. A First Home Buyer can seek purchase guidance, while existing owners can discuss refinancing, investment or commercial property. More specialised work includes SMSF Loans, Self-Employed Home Loans, doctor loans, Debt Consolidation Loans and lending after Bad Credit.
That breadth is useful only when the assigned broker has current experience with the relevant policy. A doctor loan may involve profession-based concessions, while a self-employed or credit-impaired file can require more evidence and carry different pricing. The recommendation should explain those differences rather than treating every service as a standard home loan.
The site identifies founder Lumbini Wekunagoda as a credit representative of NewCo Financial Services, Australian Credit Licence 385054. It displays MFAA membership material, but membership is not the same as a government approval. Verify the individual broker’s current authority and ask how the lender panel suits the specific file.
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Mel Finance says its broking service is paid by the lender and that other government or lender charges may apply. Phone: 1800 941 947. Email: info@melfinance.com.au. Website: https://melfinance.com.au/
Mel Finance offers an initial short consultation for borrowers to outline their position. A full recommendation requires verified documents and enough discussion to compare policy, cost and structure. The short call is useful for triage rather than a complete loan assessment.
Inovayt
Inovayt combines mortgage broking with commercial and asset finance. Home purchases and refinancing sit beside Business loans, development finance, cash-flow lending and vehicle or equipment funding. The group also offers financial planning, which may suit a client who wants several distinct services coordinated through one organisation.
The group discloses separate entities and authorisations for parts of its offer, including Inovayt Pty Ltd with Australian Credit Licence 391333. A coordinated service still needs clear boundaries: the client should know which entity and adviser handles each part and how information is shared. Credit assistance by itself does not include personal investment, tax or legal advice. Phone: 1300 354 355. Email: info@inovayt.com.au. Website: www.inovayt.com.au
ARG Finance
ARG Finance works across home loans, refinancing and debt consolidation, with offices in Notting Hill and Williams Landing. Business and Commercial Loans extend to vehicles, equipment and property development. The firm also lists SMSF lending and land banking, giving it a broader commercial focus than many residential practices.
Development finance can involve staged drawdowns, presales, valuation conditions and a defined exit. Asset finance has different security and repayment considerations. A client should choose ARG for demonstrated experience with the relevant transaction rather than assuming that a long service menu means every broker handles every category.
The provider displays Australian Credit Licence 389087. For development or land-banking finance, assess the credit proposal separately from the underlying project. Planning approval, title, tax treatment, valuation timing and the exit strategy need appropriate legal and financial review before a loan application proceeds.
ARG provides online calculators and an initial consultation, which can help a borrower organise early figures. Development and business finance will usually need more detailed cash-flow evidence and project documents than those tools can capture.
Phone: 1300 511 655. Email: info@argfinance.com.au. Website: https://argfinance.com.au/
My Mortgage Freedom
My Mortgage Freedom advertises access to more than 40 lenders and uses a staged client process. Borrowers can choose a broker, discuss their objectives and receive a proposal before following the application process through approval and settlement. Ongoing rate and equity monitoring is intended to keep the relationship active after the loan begins.
The service range includes first and next-home lending, refinance and investment as well as Commercial Loans. SMSF, development and asset finance are also listed. The company displays Australian Credit Licence 473797. Broking is usually lender-paid, though a direct fee can apply in some cases, so the engagement should state the amount and circumstances in writing.
Phone: 03 8256 1914. Website: https://www.mymortgagefreedom.com.au/
Post-settlement monitoring can identify rate changes or new equity, although a notification does not automatically justify refinancing. The review should include switching costs and remaining term before the client decides whether to change lenders.
MYNT Financial
MYNT Financial is based in Cheltenham and advertises a panel of more than 50 lenders. Its residential work covers home loans, guarantor lending, investment property, refinancing and construction. Self-employed and Low-Doc Loans sit alongside commercial and asset finance, which may suit business owners whose household and business borrowing overlap.
The provider reports more than 100 years of combined team experience and displays Australian Credit Licence 389087. A combined figure does not show which person will work on a particular application, so check the assigned broker’s recent files. MYNT says lender commission covers its broker service fee, while lender and government charges can still form part of the loan cost.
Phone: 03 8555 2017. Website: https://myntfinancial.com.au/
Guarantor and low-doc files can expose borrowers or family members to risks that do not arise in a standard loan. The broker should explain security, release conditions and the cost of specialist options in terms each affected person can understand.
Mortgage Compare Plus
Steve Keramidas founded Mortgage Compare Plus in 2016. The brokerage assists First Home Buyers, refinancers, investors and people building a home. It also lists self-employed lending, consumer and car loans as well as commercial and business finance, allowing clients to bring several loan questions to one practice.
Insurance, energy comparison and international money-transfer referrals also appear within its wider service. These are separate from mortgage broking and may involve another provider or authorisation, so each needs its own disclosure. Mortgage Compare Plus says residential and commercial broking is generally provided without a broker fee, although complex or larger applications can attract one.
Mobile: 0412 110 118. Email: info@mortgagecompareplus.com.au. Website: https://www.mortgagecompareplus.com.au/
