The Best Mortgage Brokers In Melbourne

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Need Mortgage Advice in Melbourne?

Here is our List of the 10 Best Melbourne Mortgage Brokers

Spiro Kolokithas established What If We Finance in 2008. Our firm is Melbourne’s leading independent mortgage broker, where Spiro and our team at What If We Finance are available 7 days a week to help you purchase your dream house, invest in property, refinance, build a home and apply for commercial loans. 
Your mortgage broker at What If We Finance can also assist with self-employed loans or even low doc loans.
What If We Finance is different as their service is based on availability and constant communication. With the focus on the important elements and takes the stress out of finance.
You can meet with us in person, online, over the phone, or even work over email 7 days a week.
What If We Finance’ service and knowledge is first class which is reflected in our leading Google Reviews, and Word of Mouth Online reviews.
With access to over 40 lenders, is an MFAA member and has over 25 years experience in finance. As an independent mortgage broker, our primary focus is to help you achieve your goals and take the stress out of the finance process. We are not affiliated with any bank, lawyer, accountant, or real estate agent and our independence ensures you get the best deal possible. 
The service provided by What If We Finance is free and there is no cost to you. Please contact us to experience our outstanding customer service, and let us make your financial dreams come true.

Tower 4, Level 17, 727 Collins Street
Docklands VIC 3008

He has been a professional lender for 28 years. After beginning his career in 1990 with a UK Building Society, he moved to Australia where he held several different retail banking roles. In 1999 it became clear to him that a mortgage broker would eventually become an obvious choice for someone looking for a home loan so he took the plunge and became an independent broker and he hadn’t looked back!

In his 18 years mortgage broking he had helped arrange too many loans to count but he still loves his work because he is able to save people time, effort and money. The role never gets old because each scenario is quite different from the last. He holds a Diploma in Finance and Mortgage Broking Management and am expert ready to handle even the most complex loan scenario.

He enjoys working especially with first home buyers / first time investors as he feels the experience he had gained over almost 30 years really adds value to the transaction for someone who hasn’t been through the process before.

It is highly rewarding to initially deliver the great news to a client they are pre-approved then eventually to share in their journey searching for and purchasing their first home. He makes sure his clients are well informed and that he is always available to answer any questions they may have at any stage. He can also apply his knowledge to ensure the best possible lending structure is taken at all times.

9/440 Collins Street Melbourne VIC 3000

Sue is the company owner of Quality Financial Group Pty Ltd, Trusted Mortgage Broker & Melbourne Mortgage Broker Mentor. She is a practicing mortgage broker and has over 20 years experience in the banking and finance industry as a bank home loan manager and owner of her own mortgage broking company.

You will be totally comfortable being a client of ours because we teach you how to be in control of your home loan so that you save money. We look out for you ensuring that you have the best choice of lenders so that you can have a home loan that is not unsuitable for your individual needs.

By discussing your individual requirements, we’ll provide you with a hassle free process on which you can depend.

You’ll feel secure knowing that we fully understand the purpose of your lending so that you can reach your financial goals.

You are updated throughout your home loan application process from the beginning to settlement & beyond.

Your home loan process is micro managed ensuring that your home loan settles on time
Your home loan has an annual review to check that the bank is still looking after you.

You will be educated how to pay off your home loan quickly after we have explained how you can be in control of your savings.

Equipped with a Diploma of Financial Services from Melbourne’s RMIT University, Sue is also a full member of the Mortgage & Finance Association of Australia (MFAA), the Finance Brokers Association of Australia (FBAA) and the Credit & Investments Ombusdsman.

Sue also mentors mortgage brokers who are new to the industry. She is the author of the Quality Financial Group Mentor Programme which has been assessed by the MFAA & FBAA against their minimum standards and has been recognised and approved as a Mortgage Broker Mentor Programme.

L9, 440 Collins Street, Melbourne, Victoria,
3000, Australia

Neil is the founder of Mortgage Corp, an active property investor and MFAA accredited mortgage broker and mentor with more than 10 years’ broking experience.

Neil specialises in helping serious property investors build and grow your property portfolio through personalised loan strategies and structures to maximise your loan serviceability, tax savings and long-term investment returns.

Neil is genuinely committed to helping you get the right loan (and loan structure) for your situation so that you can grow your property investment portfolio faster, and reach your financial goals sooner.

He is known for his strategic approach to investing and ability to reach fast, successful outcomes for clients where his industry peers could not.

Dedicated to his clients, Neil provides them with an unmatched concierge service and this has translated into Mortgage Corp’s core values: Integrity and an old-fashioned, Customer-First attitude.

Neil has received numerous industry awards including Excellence in Finance Award (2013-2017) and TOP 50 Brokers 2017, 2018 from the Professional Lenders Association Network of Australia (PLAN Australia).

Neil’s dedication to his clients’ success has attracted him the praise “Mortgage miracle worker” “Trusted friend, mentor and educator” and “God-send”…

As a mad fisherman and family man, Neil has 3 loves: “Family, Fishing and Finance”. “As much as I love fishing and finance, Family is always the first.”

3B/426-430 Burwood Highway

Wantirna South, VIC, 3152

With over 15 years experience in the mortgage broking industry, Clinton brings a wealth of knowledge and experience to his role as the business founder and director – Mortgage & Finance Adviser at Axton. He provides leadership and mentoring to his dynamic team and is known for his pursuit of leading edge IT systems and approaches that allow the business to provide superior service to its clients.

When acting as a Mortgage & Credit Advisor, Clinton is in his element. Helping to dispel the confusion surrounding mortgage and debt products is his passion. He is both friendly and knowledgeable and seeks to clearly understand each client’s personal financial needs and goals before explaining which mortgage products are most appropriate.
Clinton is an ASIC licensed credit representative, a full member of Mortgage & Finance Association of Australia (MFAA) and a Hall of Fame accredited mortgage broker through PLAN Australia.

When he’s not helping people select great mortgage and finance products, Clinton enjoys road cycling, kite surfing and holidaying with his wife and two young boys.

Clinton Waters is a credit representative No 398969 of Australian Credit Licence No 389328.

“”Clinton and the team at Axton provided my wife and I with outstanding advice, support and follow-up service for our latest property finance requirements. As my mortgage broker for almost 10 years, I can’t fault Clint’s honesty, transparency, integrity and knowledge. Peter Oxnam – Glen Iris””

114 Auburn Rd
Hawthorn VIC 3122

Chris has been a fully trained and accredited (COSL and MFAA) member of the successful Mortgage Choice team in Cheltenham since 2004.

He offers a friendly, efficient and complete mortgage broking service made possible by his unique combination of training, skills and experience.

Chris has a “”client for life”” attitude towards his business relationships and a genuine interest in the financial well-being and goals of each client.

This personal approach is evident from the very first meeting with new clients as he takes the time to clearly understand their individual circumstances, needs and any special requirements they may have.

Chris believes in setting up the correct loan structures from the start. He strives to locate and secure the most suitable home loan for each client and at the same time reduce lending costs and any associated stress.

There’s no greater reflection of this absolute commitment to clients than the fact that the vast majority of his new clients are referred by existing clients.

As well as being involved in Australia’s ever-changing home loan marketplace in his role as a mortgage broker, Chris also has a passion for property investment. In the past few years he has built and continues to grow a successful portfolio of investment properties spread throughout Australia.

Chris has the expertise, experience and attention to detail to navigate his way through almost any home loan situation that may arise.

Give Chris a call now:

(03) 9585 7779 or 0401 334 599

302 Charman Road CHELTENHAM, VIC 3192

Harshal your local Aussie Broker at Aussie Tarneit; He is a fully qualified and accredited Mortgage broker with over 7 years’ experience. He is passionate about his work and he will endeavor to find a home loan product from their panel of lenders to suit your needs. His personal philosophy is to make a positive impact on everyone he meets and creates deep, meaningful relationships based on honesty, integrity and transparency with his clients.

He strives to achieve excellence in his profession and aim for ongoing learning and development. He values his clients and he will listen carefully to your needs and requirements. He will work hard to find a solution for your home loan requirements.

Services they specialise in:
– First Home purchase
– Investment property
– Refinance
– Debt consolidation
– Asset Finance.

Their team
– Office Manager – Sharyn Dimovski

First Home Buyers
They understand the stress of buying your first home. They remove the stress and hassle by taking you through the process step by step and updating you on the progress so you have peace of mind that everything is going as it should. They will find the most suitable product for your needs from a wide range of lenders and ensure that the process is efficient and timely

A lot of people think he is in the business of doing mortgage loans, He really doesn’t see it that way at all. As a mortgage broker he is helping you create perhaps the largest debt in your life and he has a responsibility to help you professionally manage that debt. Unlike most brokers he sees his primary role as helping integrate the mortgage loan you select into your overall long and short term goals

Site 81, Wyndham Village, 380 Sayers Road, Tarneit, VIC 3029

For over 10 years, working within the Family business, Tom would often wonder what path he could take that would enable him to work in an environment where people are at the forefront. An investor from an early age, Tom decided that offering his knowledge in the forever changing finance world was for him.

From working in on the production floor, right through to management of a printing company, Tom realised that problem solving and working closely with people was what he enjoyed most. He decided that he would combine this enthusiasm with his interest in finance and so he joined the team at Accession Finance.

There are many challenges and hurdles one must face on the path to a successful property purchase and who better to call on for support than a home owner, investor and qualified professional. Tom’s commitment to finding the most appropriate finance solution will also allow his clients to gain a greater understanding of the current financial market.

​Call Tom for a free consultation on 0402 448 856 or email [email protected] Tom is based at the Accession Finance office in Williamstown, but he also offers a mobile mortgage broking service.


Suite 4/84 Ferguson St
Williamstown 3016

Scott is a very experienced finance professional with over 28 years in the banking and finance broking industry. He obtained a Bachelor of Business and a Post Graduate Diploma in Banking and Finance from Monash University and began his career with Citibank in 1987.

Scott has worked for many major financial institutions in both Australia and Asia in a variety of roles, including Credit Analysis, Retail Banking, Commercial Credit and more. However, since 2007 Scott has been focusing exclusively on providing solutions for people and small businesses as a mortgage and finance broking specialist.

Scott is committed to helping his clients secure the right financial solutions to help grow their wealth and work towards obtaining financial independence. He has experienced many economic cycles and understands how to guide his clients through the ups and downs in an appropriate and measured way.

Scott has personally owned and invested in many properties over the last three decades and enjoys sharing his real-world experiences with his clients to help them achieve their property dreams and aspirations. Scott believes in old fashioned service and genuinely enjoys working with first home buyers, property investors and those with refinancing scenarios. He also has many small business clients, helping them with business financing and cash-flow management.

Level 20, 567 Collins Street, Melbourne VIC 3000

Josh Egan has over 12 years’ experience in the finance industry, beginning career with his family’s owned and operated franchise.

At 19, Josh completed his accreditations and joined The Mortgage Bureau in Traralgon Gippsland. Initially helping with admin duties, Josh spent his free time learning all he could about the mortgage industry.

Since those early days, Josh has built up a large referral network and a loyal customer base.

Josh has accreditations with more than 30 lenders and has been an AMC with the MFAA for the last 5 years, he completed his Certificate IV in Financial Services (Finance/Mortgage Broking) in 2005.

With experienced in all types of lending, Home loans, Business loans, Cars, Equipment, SMSFs and Commercial Finance contact Josh today to help create smart strategies for your financial future.


2013 Finalist Broker of the Year


2013 Finalist Broker of the Year (Franchise)
2012 Finalist Broker of the Year (Franchise)
2010 Finalist Broker of the Year Insurance (Mortgage Protection & Life)
2009 Winner Australian Broker of the year
2009 Winner Broker of the Year (Franchise)
2008 Winner Broker of the Year (Franchise)
2006 Finalist Broker of the year


2013 Winner Residential Broker of the year
2012 Winner Astute Champion Broker of the Year
2012 Finalist Residential Broker of the year
2012 Winner Residential Volume Broker of the year
2011 Finalist Astute Highest Number of Settlements
2011 Finalist Astute Highest Loan Volume
2011 Finalist Astute Male Broker of the year
2010 Winner Astute Highest Number of Settlements
2009 Winner Astute Highest Number of Settlements
2009 Winner Astute Insurance Salesperson of the Year
2008 Winner Astute Insurance Salesperson of the Year


2012 Broker of the Year (Club Group)
2008 Broker of the Year (Club Group)
2007 Broker of the Year (The Mortgage Bureau)

MPA Top 100 Broker

2013, 2012, 2011, 2009, 2008

Adviser Magazine Elite Business Writers Top 50

2013, 2012


2013 #2 Young Broker of the Year

Level 1, Suite 2, 480 St Kilda Road, MELBOURNE, VIC 3004

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