Mel Finance

Melbourne's Premier Mortgage Brokers

5.0

140+ Google Reviews

Discover The Best Rates For Home Loans and Refinancing

Quick | Simple | 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 Knox

Welcome to Mel Finance

With a well-earned standing as a premier mortgage broker in Melbourne, Mel Finance takes pride in presenting personalised loan and refinancing plans designed to save you both time and money. Our high number of five-star ratings from satisfied clients across Australia and partnerships with an extensive range of lenders solidify our position as the reliable choice for your Knox mortgage needs.

Comprehensive Financial Broker Solutions

At Mel Finance, we understand that everyone’s financial circumstances are different. This is why we offer a personalised service and will work with you to find a business or home loan that suits your needs.

Here For All Your Loan And Refinancing Needs

Our seasoned team has an extensive offering of home loan products. We’ll work closely with you to identify the ideal home loan that aligns with your needs, whether you’re entering the housing market for the first time, looking to invest, or managing more than one property. By evaluating options from multiple lenders, we’ll aim to help you find the best possible deal and a lower rate.

Mel Finance is equipped to assist you in making smart investment property choices. We present a wide range of investment loans, and our seasoned brokers in property finance will work with you to identify the loan that best complements your individual needs. Our team is also experienced in advising on how to structure your loan for optimal tax outcomes, whether you’re a first-time buyer or diversifying your property portfolio. 

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

Is a more attractive deal within reach? Evaluate your refinancing options with our team of knowledgeable mortgage brokers. We’re here to assist you through the entire journey, from considering your choices to sealing the deal on your refinanced mortgage. Refinancing might open doors to a reduced interest rate, consolidating your various debts into one manageable loan, shortening your repayment schedule, and speeding up your route to being debt-free. 

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 healthcare professional,  you may have access to a suite of benefits upon taking out a home loan. These could encompass lower interest charges, greater loan capacity and the waiving of 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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Chat With A Loan And Refinancing Expert Now

Need some insight or advice for your property or financing adventure?

Schedule a chat with our team today to explore your possibilities.

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

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See What Our Clients Are Saying

Great experience! Lumbini is a great advisor and I would highly recommend him for future brokering advice.
Lachie Sinclair
Lachie Sinclair
February 28, 2024
Best broker I’ve dealt with! I haven’t had to lift a finger, went through the whole process better than I could have ever asked for. I had a ton of questions and got them answered without even asking them. You’re an absolute star Lumbini.
Sandeep Singh
Sandeep Singh
February 24, 2024
Lumbini was amazing with helping me a get a home loan, he explained things easily, found a bank and loan that was suited to me and was there 100% throughout the transaction, Lumbini is officially my broker and would happily recommend him to anyone - thanks Lumbini
Sarah Lewellin
Sarah Lewellin
January 24, 2024
Lumbini made the process so simple and easy for us! He was able to get the approval for us within short period of time to meet the settlement time. He is very professional, patient and supportive through the process of organising the loan and everything went through seamlessly. Would highly recommend!
Andrew Liang
Andrew Liang
January 9, 2024
Managed out refinance excellently. Communication was great.
Maxwell Chiazor
Maxwell Chiazor
January 8, 2024
Our first home buying experience was stress free and less daunting with Lumbini's assistance and reassurance throughout the whole journey. Lumbini always ensures that all our queries and requests are addressed in a prompt manner. He is knowledgeable and his advice is practical and always for our best interest. We are very pleased to have found Lumbini as our mortgage broker. I would highly recommend Mel Finance for anyone who is looking for home financing.
Maria T
Maria T
December 24, 2023
Mel Finance and Lumbini for Best long term mortgage engagements!! We just completed our second property with them and looking forward for more!!! When it comes to mortgages and account formation Lumbini always take care of details and gives you a great peace of mind. Best offers and market leading lenders are their specialties. Apart from just getting the loan sanctioned they advise you on facts and reality which help you make best decision rather than burning money in a long run. Unlike just client lender broker relationship Lumbini and Melfinance strive to keep a long term relationship with client which is only possible by providing quality services and continuous support. Look no further if you need best advices on current market conditions!
Jayesh Nath
Jayesh Nath
December 4, 2023
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 of our questions with patience. I would highly recommend Lumbini as your mortgage broker he is experienced and helps put your mind at ease with all the stressors. Would recommend him to family and friends without question!
Hannah M
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 a remarkable level of professionalism, great service, and care. His patience and attention to detail during our consultations were truly outstanding, making the complex journey of securing a mortgage simple and seamless. I wholeheartedly recommend his services to anyone in need of expert guidance in the mortgage arena. Thank you, Lumbini, for your exceptional support and expertise! 😊
Elizabeth Z
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. Would definitely be engaging for future mortgage needs. 😀
David Lim
David Lim
October 23, 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.

Mortgage Advisers You Can Have Confidence In

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. 

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. 

Book a free consultation and discuss your needs with an experienced Knox mortgage broker today.

Melbourne mortgage broker

The Mel Finance Difference

MFAA APPROVED

In Knox, 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

For over 12 years, we've worked with clients to help them achieve their financial goals.

FULLY QUALIFIED

Holding a Mortgage Broking Diploma (MBA) from the University of Wales, along with a Cert IV and Diploma in Mortgage Broking and Finance, Lumbini is highly qualified to help.

FULLY LICENSED

As mortgage brokers with full licensing and ASIC registration, we're well acquainted with the distinct requirements of this field.

CLIENT-FOCUSED

With Mel Finance, your objectives and needs always come first, that's our promise to you.

FAQs

A mortgage broker serves as a bridge between you, the borrower, and the lending institution. Using their skillset and software tools, they work to find you the most favourable interest rates and ensure that the mortgage process runs seamlessly.

Navigating through the multitude of mortgage options can be daunting. That’s where a Mortgage Broker comes in. They help you understand the fine print and guide you in selecting a loan that aligns with your needs. After making a choice, your broker ensures that the process unfolds without hiccups, keeping you updated at every step. If you’re in Knox, our brokers are available for long-term support as well. With this personalised service, you can be confident that you’re securing the best loan for your circumstances.

When you’re looking for a home loan, working with a mortgage broker (either for residential or commercial property) is one of the best ways to save money on your monthly repayments. Lender fees can be expensive, and with rising interest rates, it’s important to have a professional find you the best loan available. A good mortgage broker will be able to provide expert advice for your financial situation, and give you access to deals that the banks may not offer you alone. So when purchasing property, always work with an experienced team of mortgage brokers, like Mel Finance, to get competitive rates and the right loan for you!

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.

Having supported the Knox community for over 12 years, Mel Finance prides itself on its evolving mortgage services, designed to offer the best possible options to clients from all walks of life. Our glowing client testimonials bear witness to our credibility and customer focus. If you’re looking for the most reliable mortgage brokers in Knox, Mel Finance is your ideal partner.

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.

Mel Finance will not forget you after your loan has been settled. Mel Finance is paid a continuing trailing commission from the lender that you selected to remain available to answer your questions and modify your loan as necessary, such as fixing or switching products. Your broker will check your loan every year to make sure it is still suitable for your needs. Your broker will also review it against other rates and negotiate with your existing lender to get a better rate.

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

Finance News And Resources

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Reach Your Financial Goals With Mel Finance - Speak to Our Local Mortgage Brokers Now!

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 Knox.
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