The 6 best mortgage brokers in Melbourne to help with buying, investing, and refinancing
Before buying your first home, investing in property, or refinancing to save on repayments, it’s important to think about what truly works for you. That means finding the right loan, competitive rates, and smart, flexible terms so financial troubles never keep you up at night.
But in today’s strict lending environment, with its endless paperwork and meticulous credit checks—not to mention the rising prices and market competition—giving up can sometimes feel like the more practical choice. Just buy, invest, or refinance next year, right?
Then it’s not until that ‘next year’ turns into five, and you realize you’ve been putting it off for too long. Enter the best mortgage brokers in Melbourne, whose knowledge, connections, and guidance can help turn your plans into reality.
| How much do mortgage brokers charge in Melbourne? Mortgage brokers in Melbourne don’t charge clients directly; they receive an upfront commission from the lender of about 0.46% to 0.65% of the total loan. In rare cases like complex or specialized loans, they may charge a fee, starting at around $200. |
1. Inovayt
Address: Level 4/550 Spencer St, West Melbourne VIC 3003, Australia
Phone: 1300 354 355; 0427 555 798
Business hours: Monday – Friday: 9:00 AM – 5:00 PM
Inovayt positions itself as a long-term financial partner focused on helping clients build wealth, achieve financial freedom, and improve overall life satisfaction through structured financial solutions. Their messaging emphasizes empowerment through education, giving clients the tools and confidence to make informed financial decisions.
A key strength of Inovayt’s mortgage broker services is their highly personalized approach, where brokers take time to understand each client’s financial situation and goals. This is reinforced by consistent feedback highlighting clear communication, tailored loan options, and guidance throughout the entire home loan process.
Clients frequently point to the responsiveness and professionalism of individual brokers as a standout feature of the experience. Mortgage specialists are described as approachable, patient, and proactive, particularly when explaining complex loan structures or navigating changing interest rate environments.
Another major advantage is the seamless and low-stress process reported by customers, especially for refinancing and repeat mortgage applications. The team appears to handle much of the complexity behind the scenes, presenting clients with multiple options and simplifying decision-making.
Inovayt also benefits from strong social proof, with a large volume of 5-star reviews indicating consistent service quality. Repeat customers and referrals suggest a high level of trust and satisfaction, particularly with brokers who maintain long-term relationships with clients.
However, the available information is heavily weighted toward positive testimonials, with little visibility into potential drawbacks or limitations. There is also limited transparency around fees, lender panel diversity, or how their recommendations compare objectively across the broader market.
Overall, Inovayt’s mortgage broking services appear best suited for clients who value guidance, communication, and a hands-on advisory experience. Those seeking a highly supported, relationship-driven approach to securing or refinancing a home loan are likely to find strong value in their offering.
Reliable and knowledgeable financial guidance
“We had a great experience working Inovayt. They guided us through the entire loan process with clarity and professionalism, explained our options in detail, and made everything feel manageable and stress-free. Communication was always prompt, and we felt supported at every step. Thanks to their expertise, we secured a loan that suited our needs perfectly. Highly recommend their services to anyone looking for reliable and knowledgeable financial guidance.”
• Sangita Karki, Google Review
Knowledgeable, trustworthy, and supportive
“As a first home buyer, the process can feel overwhelming, but Jenna and Chloe made everything so clear and stress-free. They were incredibly patient, took the time to explain every step, and were always available to answer our questions—no matter how small. Their guidance and support gave us confidence throughout the entire journey. I genuinely felt looked after and would highly recommend them to any first home buyer looking for someone knowledgeable, trustworthy, and supportive. Thanks Inovayt, Jenna and Chloe”
• Caroline, Google Review
2. Natloans
Address: 7/296 Bay Rd Cheltenham VIC 3192
Phone: 1300 955 791; 0419 348 152
Business hours: Monday – Friday: 9:00 AM – 5:30 PM
Natloans is an Australian finance and mortgage brokerage that helps customers compare and secure lending options from a large panel of banks and non-bank lenders. Their mortgage broker service is built around simplifying the home loan process by matching borrowers with suitable loan products based on their financial situation.
At the core of their mortgage broking offering is access to over 50 lenders. This gives customers a wide range of home loan options, including first-home buyer loans, refinancing solutions, and property investment loans.
The brokerage focuses on a guided application process that starts with quick pre-qualification and moves through comparison, approval, and settlement. This structured approach is intended to make mortgage applications more straightforward and less time-consuming.
Natloans also emphasizes expert broker support backed by more than 15 years in the industry. Their mortgage brokers assist clients in reviewing loan features, interest rates, and repayment structures to identify suitable lending options.
A notable feature of their service is ongoing post-settlement support, including free loan health checks. This allows customers to periodically reassess their mortgage and potentially reduce costs through refinancing or restructuring.
Customer feedback highlights responsiveness and efficiency, with many clients noting quick approvals and clear communication throughout the process. The brokerage also promotes transparency and personalized service as key strengths of its mortgage offering.
Outstanding service!
“Outstanding service!
I hadn’t borrowed in years, had previous defaults, average credit score.
A simple 10 minute phone consultation, drivers licence upload, statement access, and I was practically approved instantly for an unsecured personal loan.
Funds were deposited in my bank account before I could even comprehend the applications success.
Highly recommend!”
• JabOneTwoHook, Google Review
They were helpful, responsive, and genuine
“Really impressed with the team at Natloans. From the first contact through to the end, they were helpful, responsive, and genuinely had my best interests in mind. They took the stress out of the whole process and made everything feel easy. Would absolutely recommend them to anyone looking for finance solutions.”
• Andrew Bolis, Google Review
3. Accession Finance
Address: 4/84 Ferguson St, Williamstown
Phone: +61 3 9397 2824
Business hours: Monday-Sunday, 24 hours
Better interest rates, stress-free mortgage refinancing, and simpler home loans are just some of the things Accession Finance’s clients thank them for. One was especially grateful for how the broker’s support helped her and her husband secure their dream land and home.
It’s also worth noting that a handful of these individuals and couples initially felt anxious, but the team’s reassuring and informative approach put them at ease. All questions are answered clearly, with the client’s best outcome always the priority.
Among the lenders Accession compares are Allianz, Commonwealth Bank, Westpac, St. George, and NAB Broker. While most appreciate the variety, a few found certain loan paperwork too complicated or experienced unhelpful service from recommended banks.
Fortunately, the brokers were quick to discuss alternative options, giving clients different routes to consider. This problem-solving skill is one reason why others return, confident they’ll have guidance from application and document gathering through to settlement.
Supportive, knowledgeable, and efficient—helped us secure our dream land and home
“Tim has gone above and beyond for us! No matter how many questions or calls/emails a day he answers every one and is always there helping you every step of the way. He is so supportive, professional and knowledgeable! Tim is so invested & generally cares so much about your outcome. He has helped us so much to secure our dream land & home and we are so grateful to have him as our broker. He has made everything happen for us and made the process so easy, stress-free & positive. He has your best interest at heart! My husband & I have dealt with a few brokers in the past but no one has been so amazing and efficient as him! He is the best in the business I couldn’t recommend him enough! Absolutely outstanding customer service!”
- Tia, Google Review
Informative, put our minds at ease, and made our home loan simpler
“Wish I could give Accession Finance 10 stars! Tim, Viet & Stacey were incredible, they were extremely informative and kept us up to date every step of the way. They were quick to put our minds at ease and made the process of financing our home loan simpler. If you are looking to buy your first home or even second definitely do yourself a favour and contact Tim and his team.”
- Carly Dobe, Google Review
4. What If We Finance
Address: Level-14/333 Collins St
Phone: +61 3 8804 1354
Business hours: Monday-Sunday, 8:30 AM to 9:30 PM
Many clients who turn to What If We Finance are first-home buyers who value a clear, structured path through the lending process. The brokerage is known for combining practical guidance with access to over 40 lenders and more than 2,200 loan products, enabling solutions that are tailored to different financial goals and timelines.
Their expertise extends well beyond entry-level lending. Client feedback consistently highlights the team’s ability to assess borrowing power, identify suitable strategies, and provide direct advice on how to structure loans efficiently—whether for refinancing, property investing, self-employed borrowers, or SMSF lending.
A defining strength is their focus on speed and execution. With a reported 99.85% loan approval rate and finance pre-approvals often delivered within days, the brokerage demonstrates a results-driven approach designed to keep transactions moving and reduce unnecessary delays.
Spiro plays a central role in building client confidence throughout the process. He is widely described as knowledgeable, detail-oriented, and transparent in explaining what will and will not work, helping clients make informed decisions with clarity and certainty at every stage.
Their credibility is further reinforced by strong professional recognition. The team has been a three-year finalist for the MFAA Customer Service Award in Victoria and holds the MFPA designation, one of the highest levels of broker accreditation, reflecting consistent performance and adherence to industry best practices.
Extended operating hours across seven days provide a practical advantage for clients managing busy schedules or time-sensitive transactions. Consultations can be arranged at home, online via Google Meet, or at their Melbourne office, supporting efficient communication and timely progress from enquiry to approval.
Overall, What If We Finance positions itself as a strategy-led brokerage focused on fast turnaround, precise execution, and dependable results. They are particularly well suited for clients who want decisive guidance, broad lending expertise, and a professional team capable of delivering outcomes efficiently.
Acted in our best interest—knowledgeable, assessed our situation, and guided us
“We’ve worked with Spiro and the team in What If We Finance for our first home, and our experience has been outstanding. Spiro is incredibly knowledgeable everything about home loan, the available lenders and always provides valuable insights in our first home journey. He’s very responsive and professional, making the entire process smooth and stress-free. Assessed us with our borrower’s financial situation, compared different loan options, and guided us through the application process, always acted in the our best interest. Overall, Spiro is a top-notch mortgage broker everyone needs. Highly recommended for anyone looking for assistance in home loans.”
- JJ Chavez, Google Review
Compared major lenders, informative, and secured finance pre-approval
“What if We finance supported me in purchasing my first home. Thanks to the information and support offered by Spiro and his team, I was able to secure finance pre-approval which gave me the confidence to make offers. From the beginning of my property search I knew how much the banks would lend me VS what I could afford, and what was within my lifestyle. Spiro is extremely informative and patient with my many queries, making sure there were no surprises along the way. During the settlement process, I felt very assured by this team that all would go smoothly. Not only that, the offer they secured from the bank was the best possible option, comparing across all major lenders. I would highly recommend this team for anyone looking to purchase a home.”
- Beatrix Neville, Google Review
5. Axton Finance
Address: 114 Auburn Rd, Hawthorn
Phone: +61 1300 706 540
Business hours:
- Monday-Thursday, 8:30 AM to 8:00 PM
- Friday, 8:30 AM to 6:00 PM
- Saturday, 9:00 AM to 12:00 PM
Named among the Top 20 Brokerages in Australia by MPA Magazine, Axton Finance has made mortgage the least stressful part of many home buyers’ and refinancers’ journeys. Their clear, easy-to-follow explanations and step-by-step support play a big role in it.
We’re talking no complicated terms, timely updates, hands-on document assistance, and tailored advice from the friendly yet professional team. These not only cover home loans, but investment, commercial, and SMSF (Self-Managed Super Funds), as well.
On the other hand, even with over 20 years in the industry and a 97% loan approval rate, those who faced loan rejection expressed doubts about their trustworthiness. A few went as far as switching brokers, feeling that the team’s expertise was more show than substance.
The good thing is they charge no service fees. Instead, they’re paid through commissions from the 35+ major banks and lenders clients can choose from—including Connective Home Loans, Bank of Melbourne, ANZ, and Pepper Money.
Secured our home loan for us—professional and exceptional assistance with documents
“How lucky we are to have Nicole Campbell from Axton Finance as our broker. We will be forever grateful for Nicole’s advice, support and efficiency in securing our home loan for us. Nicole is professional, thorough and knowledgeable in her field. She was so incredibly understanding and such a great listener that we knew she was the right person for us. Her communication with us along the journey was outstanding. The assistance with documents and the formal process was exceptional. Nicole is such a warm, friendly and lovely human being!”
- Louise Jury, Google Review
Assisted in the refinance of our apartment and advocated for us every step of the way
“Great mortgage broker! Joyce assisted my partner and I in the refinance of our existing apartment and using the equity to purchase our new home. Joyce was positive, knowledgeable and personable, and explained processes and requirements so they were easy to understand. She always responded to my questions in navigating the process, and advocated for us every step of the way. Joyce has been excellent to work with and I would highly recommend her as a broker!”
- Tiarne Romey, Google Review
6. Yellow Brick Road Carlton
Address: Suite 2, Level 2/200 Lygon St, Carlton
Phone: +61 3 9448 8333
Business hours: Monday-Friday, 9:00 AM to 6:00 PM
Yellow Brick Road has a history of making dreams come true for those looking to refinance, buy a home, or purchase an investment property. Clients often credit the success to the team’s expertise, hard work, and eye for the best deals in the market.
Some even return for the second time or have worked with the brokers for years. Among the reasons—beyond securing the loan the first time—are the great advice, responsiveness, and the way everything, including paperwork, becomes easier in their hands.
Another perk is tapping into over 35 lenders, from AMP to Resi to Bankwest, and teaming up with financial planners for extra support. It is through this variety and collaboration where clients get to compare thousands of options and find the one that matches their needs.
On the downside, others mentioned frustration over mix-ups with property size requirements. An example is a first-home buyer who was told a house under 40sqm would be fine with the lender, only to later discover it wasn’t—leading to wasted time and missed sale opportunities.
Made my dream happen—worked tirelessly and talked me through the process
“I can 100% say that Louis is absolutely THE BEST broker that you could ever have the pleasure of dealing with! My situation was a little complicated, but Louis worked with me every step of the way to ensure my dream became a reality! He talked me through the process of using equity and was nothing short of amazing through the whole process! He saw my dream, with me from start to end and worked tirelessly to make it happen! If you need a little magic to secure your dream, Louis is your man! I would never use another broker and will be straight back to Louis when I am ready to buy my next house! He made me believe in my dreams!”
- Sandie Miller, Google Review
Great advice, straightforward home loan process, and very responsive
“Working with Yellow Brick Road Carlton was an absolute breeze. Aleks was fantastic! Very professional and knowledgeable. He gave us great advice and made the process of getting the right home loan incredibly straightforward. He was very responsive with clear communication. This is the second time Aleks has secured a loan for us, and we continue to be impressed by his expertise. We would absolutely recommend Aleks.”
- Gareth Baumgart, Google Review