How we rank mortgage brokers in Melbourne
We’ve put together a list of the best mortgage brokers in Melbourne using a clear and consistent set of criteria designed to identify experienced, well-reviewed, and high-performing brokers.
Our ranking criteria includes:
✔ More than 5 years’ experience in mortgage broking or financial services
✔ An average rating of 4.5 stars or higher, based on verified customer reviews
✔ At least 100 reviews from reputable online platforms
✔ A well-supported team structure, rather than a single operator, to guide clients through the process
✔ Access to a broad lender panel, offering a wide range of options across the market
✔ Deep knowledge of the Melbourne property market, including local suburbs, pricing trends and lending nuances
OurTop10
Compare mortgage brokers in Melbourne
Use this curated list to find a professional broker who’s right for you. They’ll guide you through every step of the loan process, assisting you in navigating the complexities of securing a home loan and helping you secure the best interest rates and competitive rates available.
1. Loanscope
- 5.0
- 100%
Awards
- Founded Loanscope in 2015 with a focus on customer service and lasting client relationships.
- Over 5 years of experience as a relationship manager with CBA & Bank of Melbourne.
- Recognised the value of professional, customer-focused mortgage brokers in the Australian market. Entered the mortgage broking industry in 2012 and established Loanscope in 2015.
- Dedicated to delivering exceptional customer experiences for property investors.
- Takes a personalised approach, understanding each client’s unique situation.
- Loanscope assists clients in reducing monthly repayments by providing tailored financial guidance and accessing competitive loan rates.
- Collaboratively educates and guides clients through the lending process, offering expert recommendations.
- Leads the Loanscope broking team and works with clients, including first-time buyers and seasoned investors.
- Specialises in complex applications involving trusts, company structures, and self-managed super funds.
- Known for providing tailored lending solutions for medical and white-collar professionals.
- Boasts 15+ years of finance industry experience and holds an MBA in Financial Planning from Deakin University.
- Qualified mentor in the FBBA mentor program, supporting fellow mortgage brokers.
- Well-equipped to offer exceptional mortgage broking services.
Why choose Loanscope?
Loanscope, a leading entity in Melbourne’s finance broking sector, distinguishes itself by providing tailored loans, expert guidance, and outstanding service at competitive rates. With a vast network of over 30 lenders, Loanscope streamlines the lending process, boasting a remarkable approval track record while consistently prioritising clients’ best interests. Loanscope also guides clients through the implications of lenders mortgage insurance and helps them navigate this aspect of the mortgage process. Situated conveniently in St Kilda Road, they offer flexible after-hours appointments and proudly hold membership in the Finance Brokers Association of Australia.
As a reputable finance brokerage, Loanscope cultivates robust alliances with major banks, non-bank lenders, and non-conforming lenders. They grant access to a diverse array of home loan packages, aligning their expertise with clients’ current and future financial requirements. Furthermore, Loanscope facilitates connections with trustworthy conveyancers, accountants, financial planners, and other professionals to augment their comprehensive service.
Emmanuel Guignard (MBA) – Director & Principal Mortgage Broker
Services
- Home Loan Brokers
- Investment Property Loans
- Home Loans for Doctors
- Home Loans for Lawyers
- Home Loan Refinancing
- Bridging Loans
- First Home Buyer Loans
- Renovation Home Loans
- Commercial loans
- Mortgage Insurance
Client Experience
Contact Details
Phone: 03 9988 1818
Address: Suites 721-723-725/1 Queens Rd, Melbourne VIC 3004
Current Offer:
Consultation
2. Soren Financial
- 5.0
- 100%
- 45 lenders
- 24–36 hours approval
- Residential, Commercial, SMSF, Asset Finance, Private Lending
Why Choose Soren Financial?
- 100% loan approval rates with numerous loan application successes
- 20+ years of partnerships with major banks
- Stress free experience with 100% satisfaction guarantee
- Access to 45+ lenders for mortgage solutions
Based in North Sydney, Mansour Soltani established Soren Financial to provide bespoke client experiences while giving borrowers access to numerous lending options. Known for securing home loan products with the lowest loan repayments, they maintain strong relationships with different lenders who can handle challenging scenarios.
5-Point Approval Process:
- Long-term financial goals assessment
- Comprehensive lender panel evaluation
- Real-time loan application matching
- Data-driven shortlisting of top 5 options
- Complete home loan report within 24 hours
Client Experience
Contact Details
Phone: 1300 899 819
Address: Level 5/111 Cecil Street, South Melbourne VIC 3205
Current Offer:
Free 48-hour Home Loan Review
3. Zanda Wealth
- 5.0
- 100%
Why Choose Zanda Wealth
- Access to a vast network of over 100 lenders
- Exceptional 5-star client reviews
- A high rate of satisfied repeat clients
Zanda Wealth, established in 2014 alongside its sibling company, Zanda Finance (founded in 2006), has been dedicated to helping numerous clients achieve their financial objectives. With a focus on property investment and mortgage solutions, they’ve aided hundreds of individuals in securing their financial futures. Zanda Wealth also specialises in helping clients secure loans for investment properties and building a property portfolio.
The core mission of Zanda Wealth remains centered on working with everyday people, empowering them to escape the rat race through property investment and mortgage debt reduction. Zanda Wealth Mortgage Brokers offers services in mortgage broking, long-term financial planning, and property investment.
Austin, with a career spanning 16 years in the mortgage broking industry, embarked on this journey at the young age of 24 and swiftly ascended to a prominent position within one of Australia’s most esteemed broking firms.
Nine years ago, Austin took the bold step of establishing his own venture, Zanda Wealth Mortgage Brokers. Under his leadership, Zanda’s broking presence has witnessed substantial growth, propelling Austin to a position among the top 5 brokers in the state, as recognised by Connective. This remarkable achievement is a testament to the quantifiable results and, more importantly, the high levels of client satisfaction achieved.
Operating under a no-nonsense approach, Austin and Zanda Wealth Mortgage Brokers embrace the company ethos that revolves around the straightforward motto, “we’re here to get the job done,” while securing competitive rates for their clients. Austin places great emphasis on providing clients with accurate information.
Services
- First Home Buyers
- Refinancing
- Investment Loans
- Constructions Loans
- Property Investing
- Future Planning
- Bridging Loans
- Home Renovation Loans
- Mortgage Insurance
Client Experience
Contact Details
Phone: 1300 000 919
Address: Level 8, 350 Collins Street, Melbourne VIC 3000
Current Offer:
Consultation
4. Natloans
- 5.0
- 100%
Why Choose Natloans
- Multi Award-Winning Team
Recognised as industry leaders with multiple awards for excellence in finance broking. - Proven Customer Satisfaction
Trusted by over 10,000 happy clients nationwide with over 800 5-star Google reviews. - Unmatched Expertise
100+ years of combined experience to handle even the most complex finance needs. - A Legacy of Trust
Over 15 years of helping Australians with expert advice and reliable support. Access to Australia’s Leading Lenders
Partnerships with 50+ top banks and non-bank lenders offering competitive loan options.
With over 15 years of experience, Natloans has earned its place as one of Melbourne’s most trusted mortgage brokers. Specialising in home loans, refinancing, and investment property finance, Natloans helps individuals and families across Australia secure the right loan for their needs.
Backed by 800+ 5-star Google reviews and more than 10,000 satisfied clients, Natloans is known for providing tailored finance solutions and outstanding customer service. Whether you are a first home buyer, refinancing for a better rate, or upgrading your home, the team offers expert guidance every step of the way.
As a multi-award-winning brokerage, Natloans has been recognised by the Australian Broking Awards, MFAA Excellence Awards, and Australian Finance Group (ASX: AFG) as winner and/or finalist in a variety of industry awards.
Led by CEO and Managing Director Mary Nebotakis, the team brings over 100 years of combined finance experience. Natloans works with over 50 banks and non-bank lenders, giving clients access to a wide range of competitive home loan products and flexible lending solutions.
Whether you’re buying a home in Melbourne, investing in property, or exploring borrowing through your SMSF, Natloans delivers smart finance strategies tailored to your goals.
Awards and Achievements
♦ 2025 The Adviser Asset Finance Broker of the Year – VIC – Finalist
♦ 2016 – 2025 AFG Personal Loan Broker – VIC – Winner
♦ 2022 The Adviser Finance Broker of the Year – VIC – Finalist
♦ 2015 MFAA Finance Broker Business – VIC – Finalist
♦ 2015 The Adviser Asset Finance Broker of the Year – VIC – Winner
♦ 2015 AFG Personal Loan Finance Broker – VIC – Winner
♦ 2009 – 2014 AFG Equipment Finance Broker – VIC – Winner
Client Experience
Contact Details
Phone: 1300 955 791
Address: 7/296 Bay Rd, Cheltenham VIC 3192
Current Offer:
Consultation
5. Roar Capital
- 5.0
- 100%
Why choose Roar Capital?
- 100% loan approval rates with professional advice
- 5-star Google ratings for relationship based service
- 45+ lenders on their lender panel
- Fastest turnaround times in the industry
Roar Capital specialises in helping Australians confidently purchase their next investment property or owner occupied home. With access to over 40 banks and lenders, they craft tailored mortgage solutions for both residential and investment loans. Their team helps clients understand borrowing capacity and maximise their potential through early financial planning.
Client Experience
Contact Details
Phone: 0407 345 330
Address: 1/225 Pacific Highway, North Sydney, 2060
Current Offer:
Free Financial Health Check within 48 hours
6. Blutin Finance
- 5.0
- 98%
A boutique mortgage broker based in Melbourne, Blutin Finance is dedicated to finding the most suitable loan solution for your needs, be it for your home loan, your investment property, commercial property, or your business. Blutin Finance guides clients through the entire process of obtaining loans and refinancing, ensuring a smooth and informed experience with financial transparency. Blutin Finance is authorised under their Australian Credit Licence.
Having expertise in financial services, Blutin Finance is able to provide you with an experience that is seamless and transparent. Their finance and mortgage broking team takes the time to understand your individual finance needs. They assist you to take advantage of the most competitive loan options and are with you along the entire selection process. Their experience is not relegated to just home loans, but they also specialise in assisting clients with business loan products for business owners and entrepreneurs.
Client Experience
Contact Details
Phone: 0435 916 755
Address: 14/330 Collins St, Melbourne VIC 3000
Current Offer:
Consultation
7. Mortgage Choice
- 5.0
- 98%
As one of the biggest mortgage brokers in Melbourne, Mortgage Choice has been helping people purchase homes or start businesses for 30 years. Their network of local mortgage brokers they partner with, impart their home loan expertise with customers and offer financing solutions that are tailored to their unique needs.
A wide variety of home loan products are available through Mortgage Choice brokers, including mortgages from the Big 4 banks, and boutique offerings tailored to specific needs. Other than personal loans, they also assist with commercial loans, asset finance and general insurance.
Client Experience
Contact Details
Phone: 03 8762 4050
Address: 19 Norwood Cres, Moonee Ponds VIC 3039
Current Offer:
Consultation
8. Proper Finance
- 5.0
- 98%
Specialising in investment loans, commercial loans, asset finance, and home loans for first home buyers, Proper Finance has expert knowledge of the constant changes in lending policies and interest rates from the Reserve Bank of Australia (RBA) and can help you compare mortgages from their network of lenders. They also have expertise in helping clients secure loans for investment properties and building a property portfolio.
They have a team of financial advisors who understand the lending industry and find suitable loans that are tailored to fit your current financial circumstances and needs.
With many years of experience in finance and professional mortgage broking, Proper Finance can find the best loan and make the process as simple and as transparent as possible, all while securing competitive rates.
Client Experience
Contact Details
Phone: 0423 055 241
Address: Level 21, 567 Collins St, Melbourne, VIC 3000
Current Offer:
Consultation
9. What If We Finance
- 5.0
- 98%
As one of the best Melbourne mortgage brokers we vetted for this list, What If We Finance delivers customised financial solutions with a proven track record in helping clients acquire the property of their dreams, with a range of mortgage options with the best interest rates. They guide clients through the entire process of obtaining loans and refinancing, ensuring a smooth and informed experience.
As an independent mortgage broker, they help with all types of financial planning, be it first home buyers, property investment, existing mortgage, expert advice, or the whole loan application process. As a good mortgage broker with great online customer feedback, their expertise lies in finding a lender to finance a client’s purchase and help them with the whole process of the mortgage requirements. If you are looking for one of the best mortgage brokers in Melbourne, you can be sure to get access to the best interest rate, with a huge lender panel and competitive rates.
Client Experience
Contact Details
Phone: 03 8804 1354
Address: Level 14/333 Collins St, Melbourne VIC 3000
Current Offer:
Consultation
10. Mortgage Broker Melbourne
- mortgagebrokermelbourne.net.au
- 4.6
- 98%
Since 1999, Mortgage Broker Melbourne has been operating in the Melbourne CBD and surrounding suburbs. They guide clients through the entire process of obtaining loans and refinancing, ensuring a smooth and informed experience. As one of the highest rated mortgage broker Melbourne has to offer, all their mortgage consultants are certified and are accredited members of the Mortgage and Finance Association of Australia (MFAA), ensuring competitive rates.
Mortgage Broker Melbourne is a flexible, boutique Melbourne business that can be reached via mobile phone or at a number of convenient CBD locations.
Client Experience
Contact Details
Address: 11/456 Lonsdale St Melbourne VIC 3000
Current Offer:
Consultation
Disclaimer: OurTop10 provides general comparison information only. We do not guarantee service outcomes or suitability for individual circumstances. Users should conduct their own research and consider seeking licensed professional advice. Read our full methodology.
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Why Choose a Mortgage Broker in Melbourne?
According to the PropTrack Home Price Index, the median house price in Melbourne is $1,015,000. If you have a 5-10% deposit, you’d still need to take on a mortgage of roughly $900,000.
At that level of borrowing, a good broker can make a big difference. They help you secure a sharper rate, structure your loan more effectively, and strengthen your financial position over the life of the loan.
In this example, on a $900K loan, a 0.25% difference in interest rate equates to roughly $1,716 extra in interest per year, based on 5.75% p.a. Over the life of the loan, that’s a $38,232 difference.
Benefits of Working with Melbourne Mortgage Brokers
- Get access to 100+ lenders and loan products
A mortgage broker in Melbourne typically works with a broad lender panel, often between 50 and 100 lenders, depending on their aggregator. This includes major banks, non-bank lenders and credit unions, giving you access to a wider range of loan options tailored to your situation.
Specialised mortgage services in Melbourne:
Investment property loans
Investment lending requires an understanding of lender policies, tax considerations, and portfolio structuring. Brokers can help navigate more complex scenarios and optimise your borrowing strategy.
First-home buyer loans
Brokers guide first-home buyers through government incentives, stamp duty concessions, and low-deposit or guarantor loan options.
Refinancing
Refinancing can help reduce your interest rate, lower repayments, or unlock equity for renovations or further investment.
SMSF property loans
Brokers can assist self-managed super fund (SMSF) trustees with structuring loans for property investment within super.
Debt consolidation
Brokers assess your overall debt position and may recommend consolidating high-interest debts (like credit cards or personal loans) into a single, more manageable repayment.
Commercial property loans
For business owners and investors, brokers can assist with financing retail, office, industrial or mixed-use properties — navigating more complex lending criteria and cash flow assessments.
2. End-to-end support from pre-approval to settlement
A good mortgage broker in Melbourne will guide you through the entire home loan process — from the initial Fact Find and pre-approval, right through to unconditional approval, settlement, and ongoing support, including an annual rate review.
Throughout the process, your broker will:
- Translate complex lending terms into simple, easy-to-understand language
- Calculate how much you can borrow across a range of lenders
- Recommend a loan structure and product suited to your situation — and clearly explain the reasoning
- Work with lenders to negotiate sharper rates and more favourable terms
- Handle your application from start to finish, including paperwork, follow-ups and communication
- Arrange pre-approval so you’re ready to act when the right Melbourne property comes up
- Liaise with your lender and conveyancer to ensure a smooth path to settlement
3. Stronger negotiating power on rates and terms
A home loan broker Melbourne can often get you a better deal by tapping into their relationships with lenders. That might mean a lower rate than what’s advertised, reduced or waived fees, access to broker-only products, or more flexible terms that suit your situation. In some cases, they can even help you score cashback offers, which can take a bit of the sting out of your upfront costs.
4. They’re legally required to act in your best interest
All brokers operate under Best Interest Duty, meaning a finance broker Melbourne clients work with is legally required to prioritise your needs over the lender’s at all times.
This means your broker will compare multiple lenders and give you a shortlist of suitable options, usually at least 3 to choose from. They’re not allowed to push expensive or unsuitable products, and are legally required to recommend a loan that genuinely fits your financial situation and long-term goals.
See our detailed comparison of mortgage brokers versus banks.
5. They have Melbourne market insights
A local broker brings a strong understanding of suburb-level dynamics, lender restrictions and valuation nuances specific to Melbourne. For example, some lenders may be less supportive of certain suburbs or property types, which can impact your borrowing options and approval outcome.
Our research shows that 34% of homebuyers in Victoria rely on brokers for general property guidance, not just finance.
Which licences and accreditations do mortgage brokers need?
All brokers in Australia must hold an Australian Credit Licence (ACL) or operate as a Credit Representative under a licensed aggregator or brokerage, and meet minimum education requirements, including at least a Certificate IV in Finance and Mortgage Broking.
Home loan brokers are regulated by the Australian Securities and Investments Commission (ASIC) under the National Consumer Credit Protection Act 2009 (NCCP Act).
Key regulatory protections include:
- Mandatory professional indemnity insurance
- Best interest duties requiring brokers to prioritise client outcomes
- Comprehensive disclosure of commissions and conflicts of interest
- Regular compliance monitoring and audit procedures
Lenders also require brokers to be accredited with industry bodies like the Mortgage & Finance Association of Australia or the Finance Brokers Association of Australia, which require them to meet additional ethical and professional standards.
FAQs about Melbourne mortgage brokers
How much does a mortgage broker in Melbourne cost?
Most Melbourne mortgage brokers offer free consultations and services to borrowers, earning commissions from lenders upon successful loan settlement. However, some brokers may charge application or advice fees for complex scenarios or specialised services. All fees must be disclosed upfront in accordance with regulatory requirements, ensuring complete transparency throughout the process.
Can a broker help with refinancing in Melbourne?
Yes, refinancing through a mortgage broker can help you secure a better rate, improve your loan terms, and unlock equity to upgrade your owner-occupied home or purchase an investment property in Melbourne.
A local broker will assess your current loan against what’s available across the market and should be able to:
- Secure a lower interest rate and reduce your monthly repayments
- Unlock equity through a cash-out or top-up refinance (common for renovations)
- Consolidate existing debts into a single loan
- Switch between variable and fixed-rate products
- Tailor your loan structure to suit either owner-occupier or investor strategies
Our analysis of ABS data found that around 83,000 refinances in Melbourne were handled by mortgage brokers last year alone.
*This estimate is based on ABS refinance data, Melbourne accounting for roughly 80% of VIC activity, and mortgage brokers handling 77% of all home loan refinances.
Can a broker help a first-home buyer buy in Melbourne?
A broker can help first-home buyers access a range of loan options, including low-deposit loans, guarantor loans, First Home Guarantee (FHBG) loans, and lenders participating in schemes like the Victorian Homebuyer Fund and Help to Buy.
They can also help you determine if you’re eligible for the $10,000 VIC First Home Owner Grant, stamp duty concessions, and how these benefits interact with different lender policies.
Our analysis of ABS data estimates that mortgage brokers facilitated nearly 23,000 first-home buyer loans across Greater Melbourne in the last calendar year.
Can brokers help with bad credit situations?
Yes, experienced mortgage brokers often specialise in more complex credit scenarios and can connect you with lenders that consider borrowers with past credit issues. They’ll assess your current financial position, match you with suitable lenders, and structure your application to give you the best chance of approval while still aiming for competitive terms.
Can brokers help with bad credit situations?
Yes, experienced mortgage brokers often specialise in more complex credit scenarios and can connect you with lenders that consider borrowers with past credit issues. They’ll assess your current financial position, match you with suitable lenders, and structure your application to give you the best chance of approval while still aiming for competitive terms
How long does the mortgage approval process take?
If everything’s simple — you’ve got steady long-term employment, clean finances and you’re buying a standard property — it can be done in as little as 2–3 weeks. More complex scenarios, like self-employment, investment purchases or unusual circumstances, can take closer to 4–6 weeks while the lender works through the details.
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