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

what if we finance

Spiro Kolokithas established What If We Finance in 2008 with one simple goal to make finance simple and make his client’s financial dreams come true.. Since then What If We Finance has helped hundreds of people buy their first home, refinance and invest in property.

Spiro and the team are available 7 days a week from 830am to 930pm and can meet virtually or in person.

Spiro is the leading Independent Mortgage Broker who is not affiliated with any bank, lawyer, accountant, or real estate agent and his independence ensure you receive unbiased advice and guidance.

What If We Finance is built around the following core values:

  • Excellence in customer service and experience
  • Integrity
  • Transparency
  • Single Minded approach to make your dreams come true.

What If We Finance and Spiro have 175 plus five star google review which validate his philosophy of always being available for his customers, listening, constant communication and more importantly taking the stress out of finance so you can focus on finding your dream home or getting a better deal.

Spiro is an MFAA member and has over 25 years experience in finance and exceptional customer service 7 days a week and with access to to ver 40 lenders and 2,000 plus home loan products you will be getting an unbeatable deal.

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.

Level 14, 333 Collins St Melbourne Vic 3000

Meet Andrew Morel — A Mortgage Broker on a Mission

Andrew is an individual who is passionate about the property market. He is also passionate about finding his clients the best mortgage deals and utilizes all of his 15 years of experience in the mortgage broking industry to make that happen. He is renowned for leaving no stone unturned when it comes to sourcing the best possible deal and prides himself on going that extra mile for his clients.

Taking a Long term plan into the discussion with both his new and existing clientele each and every time there is a transaction or a review being completed, is why he stands out from the competition in his space!

As the founder and director of Mortgage Broking firm iRates Finance, he is well aware that the buck stops with him. So regardless of whether he’s scouting around for finance to help first-time buyers secure the home of their dreams, or helping experienced investors consolidate their portfolio, you can rely on the exceptional service and attention to detail that has become his trademarks.

Andrew believes in providing his clients with the best mortgage products and rates on the market and tailoring repayment plans to each client’s specific and unique needs.

He explained, “I want borrowers to not only be confident they can meet the current repayments on a new loan, but to provide you with the opportunity, to make additional payments each month through my unique ‘Debt Reducer Strategy Plan’ that is tailored to your current income and expenses to help you knock years off the life of your loan”. 

‘Please enquiry about how this plan can be sent to you’

As someone who holds a full Real Estate license as well as his for Australian Credit License, Andrew knows the property market inside out, and is well- versed in all its intricacies and nuances. He elaborated, “Because of my experience with property transactions, I can also offer clients both selling and buying advocacy assistance. This has proved to be a big selling point for us because it’s not something too many finance firms can offer.”

As someone who is a sworn disciple of the old-school approach, Andrew believes in getting to know his clients and ensuring each step of the process is explained to them in detail and is something they feel comfortable with.

Andrew said, “Technology has simplified the assessment process, and as a company, we have embraced it. However, our priority is making the process crystal clear and accessible to the client. Buying a property is a magical experience, and we strive to make it as stress-free and enjoyable as possible.”

To learn more about how Andrew can help you with your property journey, get in touch today

Suite 6, 11 Beach St, Port Melbourne VIC 3207

Founded in 2016 by Steve Keramidas, Mortgage Compare Plus is on a mission to make home ownership affordable and accessible to the everyday Australian. They are a socially responsible company with values that reflect that. They believe in performing with purpose and they are committed to their understanding that financial position is tightly linked with their social and charitable responsibility.

Steve established Mortgage Compare Plus following an accomplished 5-year career at the NAB as a Bank Manager. During that time, he recognised the need for greater service transparency while providing the benefits of experienced and accredited mortgage brokers. 

The Best Interests Duty, a law that came into effect on January 1st, 2021, legally obliges brokers to act in the best interests of their clients. This, combined with the National Consumer Credit Protection Act, effectively regulates the conduct of brokers. Mortgage Compare Plus is 100% compliant and they prioritise their clients’ interests every step of the way. 

Steve is a FBAA accredited member and credit advisor which provides clients with the best possible recommendation from all the lenders on his panel. Unlike banks that recommend their own products even if there are better alternatives elsewhere, Steve acts in your best interests. Mortgage Compare Plus doesn’t sell products, they sell expert guidance and advice. Steve is very proud and excited to see Mortgage Compare Plus being featured in September’s edition of The Australian Business Journal as one of the top 20 leading mortgage brokers in Australia who are worthy of your trust.

Steve’s most recent professional education includes:

  • Diploma of Finance and Mortgage Broking Management
  • Certificate IV in Finance and Mortgage Broking
  • Diploma of Financial Services
  • Advanced Diploma of Management

Want expert and honest advice? Contact Steve today on 0412 110 118

G06/2 Winterton Road Clayton Victoria 3168

Melbourne’s Award winning Mortgage Broker

With numerous Commbank awards and 13 years in the mortgage industry, our Director, Gary Lamba’s mission is to cultivate a long-lasting relationship with clients based on trust and respect at Melba mortgage broker.

We are a boutique Finance Broker located in Melbourne, offering a holistic approach to various finance options. We understand that everyone’s financial situation is different so we take the time to focus on obtaining the right outcome based on your specific financial circumstances.

Since starting MelbaBroker, Gary’s priority is to have his clients achieve their financial goals through due diligence, proper education and providing them with the best finance products through our range of top panel lenders.

It is our duty to shop around and stir up the banks a little for you because we truly believe it’s your right to acquire the best finance deal that the lending market can offer you.

“Being a mortgage broker is rewarding career as it allows me to offer my clients exclusive and tailor made solutions”

Level 27/101 Collins St, Melbourne VIC 3000

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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    Andrew Morel

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    BEST MORTGAGE BROKER for your needs