The 7 Best Mortgage Brokers in Melbourne

Finding the right mortgage broker in Melbourne can make all the difference when it comes to securing the best deal on your home loan. Whether you’re a first-time buyer, refinancing your existing property, or investing in real estate, the expertise of a professional can save you time, money, and stress. In this guide, we’ve compiled a list of the 7 best mortgage brokers in Melbourne, highlighting their services, key considerations, and potential price ranges to help you make an informed decision.

  • Assistance with home loan pre-approvals and applications.
  • Guidance on interest rates, loan terms, and repayment plans.
  • Comparison of various lenders and products to find the best fit.
  • Support for property refinancing and equity release.
  • Help with investment loans tailored to real estate portfolios.
  • Advice on government grants and schemes for first-time buyers.
  • Transparency in fees, with broker commission typically ranging from $500 to $2,000 depending on the loan size.
7

Number of companies

1401

Verified reviews

4,97

Average rating

Empower Wealth Advisory
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1. Empower Wealth Advisory

★ ★ ★ ★ ★ 5,0/5
Level 1/582 Queensberry St, 3051, North Melbourne
  • Mortgage broker
  • Financial planner
  • Investment service
  • Property investment company
  • Real estate consultant
  • Superannuation consultant
  • Tax consultant

Why we chose them

Empower Wealth Advisory is a leading and award-winning financial advisory firm in Australia, renowned for its holistic approach to wealth creation. Specializing in tailored property investment advice, the company offers a fully integrated suite of services, including mortgage broking, financial planning, tax consulting, superannuation consulting, and real estate consultancy. With a mission to help clients achieve their dream lifestyle goals, they provide personalized property portfolio plans and expert guidance to both first-time and seasoned investors. Their commitment to outstanding client outcomes has earned them recognition as one of the most trusted names in the industry.

With over 15,779 clients served and nearly 5,000 property plans delivered, the firm has established itself as a trusted partner for financial transformation. By focusing on each client’s unique situation, they create customized roadmaps designed to ensure long-term financial peace. Their innovative tools, such as the Money SMARTS system, and educational resources like podcasts and masterclasses, empower clients to make informed decisions. Whether working with young professionals, growing families, or ex-pats, they build lasting relationships while guiding clients toward financial freedom and a secure future.

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Resolve Finance
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2. Resolve Finance

★ ★ ★ ★ ★ 5,0/5
Level 11/60 Albert Rd, 3205, South Melbourne
  • Mortgage broker
  • Finance broker

Why we chose them

Resolve Finance – Domain Square stands out as a trusted leader in the mortgage brokerage industry, offering expert services tailored to a diverse range of financial needs. With an impressive 99.49% loan approval rate and access to over 40 lenders, their experienced brokers specialize in home loans, refinancing, investment property loans, and complex structures such as SMSFs and trust purchases. The team, composed of seasoned professionals Taylar, Jack, and Eddie, has collectively settled over $875 million in loans, helping thousands of clients achieve their financial goals with ease. Backed by more than 25 years of industry experience, they simplify the loan process, providing fee-free service in most cases and ensuring clients receive personalized guidance for every financial decision.

Renowned for their client-focused approach, this South Melbourne-based team has earned national recognition as top performers within their network for five consecutive years. Their expertise extends to first-home buyers, self-employed clients, and those seeking construction or equity loans, ensuring tailored solutions for every unique circumstance. With a strong commitment to transparency and lasting relationships, the brokerage has garnered over 415 5-star reviews, demonstrating their dedication to exceptional service and results. Whether you’re buying, refinancing, or investing, their solutions are designed to save time, reduce stress, and deliver optimal outcomes for every client.

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State Financial Services Australia
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3. State Financial Services Australia

★ ★ ★ ★ ★ 5,0/5
Level 3/480 Collins St, 3000, Melbourne
  • Mortgage broker

Why we chose them

State Financial Services Australia stands out as a trusted mortgage broker dedicated to turning financial dreams into reality. Whether it’s purchasing a home, refinancing, or funding a business, the company offers a wide array of tailored solutions designed to meet diverse client needs. They pride themselves on providing real choice by working with multiple lenders, negotiating competitive deals, and guiding clients through the loan process with ease. Their commitment to socially responsible lending and customer-focused service ensures that every client receives personalized advice, all with the convenience of meetings scheduled to suit their busy lifestyles.

The company specializes in home loans, business loans, and commercial loans, offering expertise in areas such as asset financing, working capital, and self-managed super fund loans. With a mission to alleviate stress and save time, their team of industry experts simplifies complex financial decisions and ensures a seamless experience for first-time buyers, seasoned investors, and business owners alike. By focusing on trust, transparency, and flexibility, they empower clients to achieve their financial goals with confidence and peace of mind.

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Key Change Finance
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4. Key Change Finance

★ ★ ★ ★ ★ 5,0/5
Level 5/414 Lonsdale St, 3000, Melbourne
  • Finance broker
  • Mortgage broker

Why we chose them

Key Change Finance stands out as one of Victoria’s fastest-growing finance and mortgage broking specialists, offering over 50 years of collective experience in Retail Banking, Private Banking, and Commercial Lending. The team’s expertise is complemented by a personalised and human-centric approach, making it easier for clients to navigate complex financial situations and achieve their aspirations. Their tailored solutions cater to diverse needs, ranging from first home buyers and property investors to business owners and high-net-worth individuals, ensuring every client finds the ideal financing option that aligns with their lifestyle and goals.

With strong connections to Australia’s major banks and an extensive network of professional partners—including Wealth Advisors, Accountants, and Conveyancers—this brokerage provides a comprehensive ecosystem of support. Their services include a wide variety of loan types such as refinancing, commercial and business loans, SMSF loans, and vehicle and equipment finance. By taking care of the entire financing process, the team ensures clients can focus on their ambitions while benefiting from industry-leading expertise and bespoke solutions designed to bring their financial goals to life.

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Chocolate Money
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5. Chocolate Money

★ ★ ★ ★ ★ 5,0/5
566 St Kilda Rd, 3004, Melbourne
  • Finance broker
  • Mortgage broker

Why we chose them

Chocolate Money stands out as a premier finance broker specializing in solutions tailored for the building and construction industry in Australia. Holding an Australian Credit License and recognized as a ‘Hall of Fame’ member of the Professional Lenders Association, the company has built a reputation for its expertise in securing funding for builders, developers, suppliers, manufacturers, and tradies. With a focus on commercial, residential, and low-doc business loans, Chocolate Money leverages an extensive network of funders, lenders, and bank and non-bank providers to offer finance solutions that many other brokers cannot access.

Renowned for its innovative approach, Chocolate Money helps self-employed clients thrive by offering services like business cash flow funding, construction loans, development funding, and equipment finance. Additionally, the company collaborates closely with accountants to optimize borrowing potential while aligning with tax minimization strategies. Its specialized medical brokerage team further supports doctors with home, commercial, and practice loans while facilitating joint venture projects with builders and developers. With a history of success in navigating rising mortgage rates and providing fringe benefit tax breaks, Chocolate Money is the broker of choice for those seeking tailored financial solutions in dynamic industries.

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Square One Finance
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6. Square One Finance

★ ★ ★ ★ ★ 5,0/5
468 St Kilda Rd, 3004, Melbourne
  • Mortgage broker

Why we chose them

Square One Finance stands out as a trusted mortgage broker dedicated to simplifying the complexities of home financing. With a strong focus on personalized solutions, their team of mortgage experts ensures that every client receives guidance tailored to their unique needs. From the initial consultation to securing the best mortgage option, they provide a seamless experience that helps clients navigate the financial landscape with ease.

Known for their commitment to excellence, this company takes pride in making the dream of homeownership a reality. By offering expert advice and breaking down the mortgage process step by step, they empower clients to move confidently from “Square One” to their ideal home. With their expertise and customer-focused approach, they have earned a place in our directory for those seeking reliable mortgage solutions.

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Derwent Finance
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7. Derwent Finance

★ ★ ★ ★ ★ 4,8/5
Suite 7.14, 7/570 St Kilda Rd, 3004, Melbourne
  • Mortgage broker

Why we chose them

Derwent Finance Melbourne stands out as a premier mortgage broker in Melbourne, offering tailored financial solutions for home buyers, investors, and those seeking refinancing options. With expertise across a wide range of services, including construction loans, investment loans, first home buyer loans, and debt consolidation, the company simplifies the complexities of mortgage brokering. Their experienced team provides access to over 40 lenders, ensuring clients benefit from competitive rates and personalized strategies. Known for their client-focused approach, Derwent Finance Melbourne supports individuals at every step of the loan process, from pre-assessment to settlement, making homeownership an enjoyable and seamless experience.

What sets this company apart is its commitment to exceptional service and streamlined processes. The team consists of specialized roles, including mortgage brokers, customer service specialists, lending assessors, and settlement officers, ensuring efficient communication and minimal delays. By breaking down complicated financial jargon and maintaining continuous communication, the company creates a welcoming and stress-free environment for clients. Their expertise in navigating the housing market and partnerships with leading banks and financial institutions make them a trusted choice for anyone seeking mortgage solutions in Melbourne.

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Frequently asked questions

What services do mortgage brokers in Melbourne typically offer?

Mortgage brokers in Melbourne provide assistance with home loan pre-approvals, applications, refinancing, investment loans, and equity release. They also guide clients through interest rates, loan terms, repayment plans, and government grants or schemes for first-time buyers.

How much do mortgage brokers in Melbourne charge for their services?

Mortgage brokers in Melbourne typically earn commissions paid by lenders, which can range from €300 to €1,500 depending on the loan size. In some cases, brokers may charge a fee for specific services, usually ranging from €500 to €2,000.

How long does it take to secure a home loan with the help of a mortgage broker?

The timeline can vary depending on the complexity of your loan application and the lender’s processes. On average, it may take 2 to 4 weeks to secure a home loan, but this can be expedited with the help of an experienced broker.

How do I choose the right mortgage broker in Melbourne?

Look for brokers with experience, positive client reviews, and accreditations such as membership in the Mortgage & Finance Association of Australia (MFAA). It’s also important to choose someone who understands your financial needs and can offer transparent pricing and personalized advice.

What are the benefits of using a mortgage broker versus going directly to a lender?

Mortgage brokers offer access to a wide range of loan products from multiple lenders, helping you find the best deal. They provide personalized advice, handle the paperwork, negotiate terms, and can save you time and money compared to dealing directly with a single lender.

What key considerations should I keep in mind when working with a mortgage broker?

Ensure the broker is licensed, transparent about their fees and commissions, and has access to a variety of lenders. Discuss your financial goals and ask for a detailed explanation of the loan options they present to you.

Can a mortgage broker help me with refinancing my existing home loan in Melbourne?

Yes, mortgage brokers can assist with refinancing by comparing your current loan with other products to find a better interest rate, lower fees, or more flexible terms. They can also guide you through the application process and help release equity if needed.

Are mortgage brokers in Melbourne familiar with government grants for first-time buyers?

Yes, most mortgage brokers in Melbourne are knowledgeable about government grants and schemes like the First Home Owner Grant (FHOG) or stamp duty concessions. They can help you determine your eligibility and incorporate these benefits into your loan strategy.

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