Best Mortgage Brokers in Melbourne: Top 10 of 2025

Struggling to find the perfect mortgage broker in Melbourne?

It’s a common concern.

With so many options out there, it can feel overwhelming to choose the right one.

But finding the best broker is crucial—they can make all the difference in securing your dream home.

Let’s explore the top 10 mortgage brokers in Melbourne for 2024 to help you make an informed choice.

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Accession Finance

Accession Finance is a trusted mortgage broker in Melbourne, providing expert home loan advice and support to individuals seeking financial solutions. 

The team offers personalised services to match the unique needs of their clients, guiding them through the process of securing a home loan. They provide access to a wide range of lenders and loan products, ensuring competitive rates and terms. 

The team focuses on understanding the client’s financial situation and goals, allowing them to tailor solutions effectively. Whether you are a first-time homebuyer or seeking refinancing options, Accession Finance is dedicated to making the home loan process smooth and manageable.

The services offered by Accession Finance include:

  • Home loan advice and guidance
  • Mortgage and loan brokering services
  • Access to a wide variety of loan products
  • First-time homebuyer assistance
  • Refinance options
  • Personalised financial solutions tailored to individual needs
  • Support for securing competitive rates and terms

Phone: 1300 778 039

Email: [email protected]

Website: www.accessionfinance.com.au

Mortgage Broker Melbourne

Mortgage Broker Melbourne has been assisting clients with mortgage solutions since 1999. Based in the Melbourne CBD, the company prides itself on offering personalised, boutique services compared to larger national brokers. They focus on providing hassle-free, competitive mortgage options and expert advice. 

Their services are designed to take the stress out of home loan applications by negotiating the best available rates for their clients rather than accepting standard offerings. Mortgage Broker Melbourne offers both mobile services and meetings at several convenient CBD locations, ensuring flexibility for clients.

Their services include a range of mortgage options tailored to individual needs. These include home loans for first-time buyers, refinancing services, and investment property loans. Mortgage Broker Melbourne provides annual loan reviews to ensure clients are always receiving the best possible rates, even after their initial loan settlement

They also offer advice on refinancing options should clients’ current loans no longer be the best available deal. Their service is completely free, with no hidden fees, as they are paid a commission by the lenders they work with.

Services Offered:

  • Home loans for first-time buyers
  • Refinancing options
  • Investment property loans
  • Annual loan reviews
  • Ongoing support for clients to maintain competitive loan terms
  • Free service (no fees charged directly to clients)

Phone: 1800 111 626

Email: [email protected]

Website: https://mortgagebrokermelbourne.net.au/

What If We Finance

What If We Finance, a Melbourne-based independent mortgage broker, offers a wide range of financial services to assist clients in securing the best home loan deals. The company is renowned for its exceptional customer service, having garnered over 214 five-star Google reviews. 

Available seven days a week, the company ensures that clients receive tailored advice and support throughout the mortgage process. Whether you’re buying your first home, investing in property, or refinancing an existing loan, What If We Finance leverages its access to over 40 lenders to find the most competitive rates available.

Key services provided by the mortgage broker include helping individuals purchase homes, facilitating property investments, and offering refinancing options to help clients save on interest rates

The company also assists clients in securing loans for self-managed super funds (SMSFs). Additionally, they provide expert guidance on how to optimise loan repayments and achieve financial goals, offering a personalised approach that is not tied to any particular bank or lender.

Services Offered:

  • Home Loan Assistance: Tailored mortgage options for homebuyers.
  • Property Investment Loans: Helping clients secure investment property loans.
  • Refinancing Services: Offering competitive refinancing options to save on home loans.
  • Self-Managed Super Fund (SMSF) Loans: Loans for property investment via SMSFs.
  • Expert Financial Guidance: Free consultation to discuss financial goals and borrowing capacity.
  • Access to 40+ Lenders: Finding the best loan products suited to clients’ needs.

Phone: 03 8804 1354

Email: [email protected]

Website: https://melbournemortgage.com.au/

Mel Finance

Mel Finance is a highly trusted and experienced mortgage broker service based in Melbourne, Australia. Specialising in a range of home loan and refinancing solutions, the company aims to help clients secure the best rates for their mortgages. 

With a reputation built on over a decade of personalised service, Mel Finance works with over 47 lenders to find the best deals suited to individual financial circumstances. 

Whether you’re a first-time homebuyer, an investor, or looking to refinance, Mel Finance offers comprehensive advice to help you navigate the loan process with ease. Their services are designed to save both time and money, delivering tailored financial solutions with a focus on customer satisfaction.

Mel Finance offers a wide array of financial services, including:

The company’s expert team is dedicated to providing personalised support, ensuring clients understand their options and the best way to structure their loans. They also offer a free 15-minute consultation to discuss specific needs, without obligation. Mel Finance has received numerous accolades for its excellent customer service and is fully licensed and MFAA-approved.

Phone: 1800 941 947

Email: [email protected]

Website: https://melfinance.com.au/

Inovayt

Inovayt is a financial services company dedicated to providing personalised solutions for individuals and businesses to help them achieve financial freedom. With over 15 years of experience, Inovayt’s team offers a comprehensive range of services, including mortgage broking, financial planning, business and asset finance

Their focus is on empowering clients to make informed financial decisions, generate wealth, and create a comfortable lifestyle without compromising their financial well-being.

The company offers a broad spectrum of service, tailored to meet the unique needs of each client:

  • Mortgage Services: Home loan advice, refinancing, first-time homebuyer guidance, self-employed finance, and relocation loan services.
  • Wealth Management: Financial planning, superannuation, investment advice, estate planning, and personal insurance.
  • Commercial Finance: Business loans, development finance, cash flow lending, business insurance, and investment planning.
  • Vehicle & Equipment Finance: Car loans, boat loans, business vehicle finance, and commercial asset finance.

Phone: 1300 354 355

Email: [email protected]

Website: www.inovayt.com.au

ARG Finance

ARG Finance is a trusted mortgage finance broker based in Melbourne, offering a range of expert financial solutions to individuals and businesses. The company prides itself on providing tailored services to help clients secure home loans, refinance existing loans, and achieve financial goals, whether that be through property investment or business expansion. 

With over 15 years of industry experience, the team at ARG Finance provides personalised guidance throughout the loan process, ensuring that each client receives a solution that fits their unique needs. Their extensive network includes traditional banks, non-bank institutions, and second-tier lenders, offering clients access to a broad spectrum of loan options.

The company offers a variety of services designed to meet diverse financial needs, including home loans, business loans, and asset finance. Additionally, they provide specialised loans for property development, commercial property finance, and SMSF (Self-Managed Super Fund) loans. 

ARG Finance is committed to making the mortgage process as smooth as possible for its clients, providing free consultations and an array of online calculators to help clients plan their financial future. They also offer a three-step process to ensure quick and easy access to financing, from initial discussions to final loan approval.

Services Offered:

  • Home Loans: First home buyer loans, home loan refinancing, debt consolidation, and construction loans.
  • Business & Commercial Loans: Business loans, commercial property finance, property development finance, and land banking.
  • Asset Finance: Car loans, truck loans, and other asset financing options.
  • SMSF Loans: Self-managed super fund home loans for purchasing residential investment properties.
  • Loan Calculators: A collection of over 15 calculators to assist with financial planning, loan repayments, and borrowing capacity.

Phone: 1300 511 655

Email: [email protected]

Website: https://argfinance.com.au/

My Mortgage Freedom

My Mortgage Freedom is a Melbourne-based mortgage broker that offers a range of services to help clients achieve financial freedom through tailored home loan solutions. 

They pride themselves on delivering an exceptional, personalised service, with a focus on making the complex mortgage process as simple and stress-free as possible. With a decade of experience, My Mortgage Freedom has originated over $3.5 billion in new lending. 

Their goal is to make clients’ financial journeys smoother by using advanced technology and providing expert guidance throughout the loan application process. Unlike many brokers, they offer ongoing support even after loan settlement, ensuring clients’ needs are met in the long term.

The company offers a wide variety of loan services, including loans for first homes, next homes, refinancing, investments, commercial properties, SMSFs, and development projects. 

My Mortgage Freedom is dedicated to helping clients find the most suitable loan products by comparing options from a range of lenders and ensuring that all financial goals are met. They also provide a platform for clients to book appointments, get a tailored proposal, and track their loan’s progress until settlement.

Services Offered:

  • First Home Loans
  • Next Home Loans
  • Refinancing Loans
  • Investment Loans
  • Commercial Loans
  • SMSF Loans
  • Development Loans

Phone: 03 8256 1914

Website: https://www.mymortgagefreedom.com.au/

MYNT Financial

MYNT Financial is a Melbourne-based, multi-award-winning mortgage brokerage specialising in a wide range of lending solutions. 

The company prides itself on offering competitive loan rates and providing expert advice tailored to the unique needs of each client. The team is led by Josh Bartlett, who has been recognised as one of the top 1% of brokers nationally due to his extensive experience and dedication. 

With over 100 years of combined experience, MYNT Financial assists clients across Australia, offering a comprehensive suite of services ranging from home loans to commercial loans and asset finance. They simplify complex financial decisions, allowing clients to focus on their property goals.

Services Offered:

  • Home Loans
  • Guarantor Loans
  • Property Investment Loans
  • Low-Doc Loans
  • Self-Employed Loans
  • Green Mortgages
  • Car Loans
  • Refinancing
  • Debt Consolidation
  • Asset/Car Finance
  • Commercial Loans

MYNT Financial’s services are provided at no cost to clients, ensuring they receive the best financial advice without additional charges.

Phone: 03 8555 2017

Website: https://myntfinancial.com.au/

Mortgage Compare Plus

Mortgage Compare Plus is an independent mortgage brokerage based in Melbourne, offering expert advice and services for various home loan and financial needs. The company is led by Steve Keramidas, who is committed to finding the best mortgage deals from a wide range of lenders, including the major banks.

 The service is praised for its customer-focused approach, offering tailored financial solutions with no obligations or hidden fees. The brokerage covers various aspects of home lending, assisting clients with everything from home loan applications to refinancing, investment loans, and insurance options.

Services Offered:

  • Home Loans (First Home Buyers, Refinance, Investment Loans)
  • Construction Loans
  • Self-Employed Home Loans
  • Debt Consolidation
  • Personal & Car Loans
  • Commercial & Business Loans
  • Life & General Insurance
  • Energy & Gas Comparison
  • International Money Transfers

Steve’s services are notably transparent, with a focus on recommending products that are in the client’s best interest, in contrast to traditional banks, which may only offer their own products. 

Mortgage Compare Plus has earned recognition for its high-quality service, including being listed as one of the top mortgage brokers in Melbourne. The website also provides valuable resources like interest rate comparisons and articles on improving mortgage approval chances.

Mobile: 0412 110 118

Email: [email protected]

Website: https://www.mortgagecompareplus.com.au/

The Australian Lending & Investment Centre

The Australian Lending & Investment Centre (ALIC) is a leading provider of flexible loan solutions in Melbourne, Australia. With a focus on ethical lending strategies, ALIC has empowered over 36,000 Australians to achieve their financial goals. 

The company specialises in property investment and aims to support individuals and businesses in creating resilient investment portfolios, managing long-term goals, and securing homes or retirement plans. 

ALIC is led by award-winning brokers, Mark Davis and Kevin Agent, who offer personalised guidance through every stage of the lending journey, from initial consultation to post-settlement reviews.

ALIC provides a variety of lending options tailored to meet the specific needs of their clients, helping them navigate the complexities of financing. Whether clients are seeking to invest in property, buy a home, or manage their commercial and personal finances, ALIC offers expert advice and competitive rates to assist in making informed financial decisions.

Services Offered:

  • Investment Loans
  • Home Loans
  • Commercial Loans
  • Refinancing
  • SMSF Financing (Self-Managed Super Fund)
  • Car Financing

Phone: 1300 ALIC AU

Email: [email protected]

Website: https://alic.com.au/

Track My Trail Team

The Track My Trail Team develops software to simplify trail book management for mortgage brokers. Their tools provide fast and practical insights to help brokers get the most out of their trail books.