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Mortgage brokers in Melbourne

Choosing finance in Melbourne can feel complicated, especially when you need clear loan explanations or help comparing lenders. Look for support that matches your situation, such as first-home guidance, refinancing, construction finance or commercial lending.

Some brokers offer pre-approval assistance, purchasing-power calculations and guidance on grants or concessions. Others compare dozens of lenders, manage applications through settlement or provide digital applications and ongoing rate reviews. Check fees, eligibility and the level of communication before proceeding.

Why this order

We ordered these mortgage brokers in Melbourne the way a careful vendor or buyer would: real focus on the work first, then a public reputation built over many deals, then how clearly each one explains its costs, licence and process.

A few businesses here pay to show more detail or to sit in a highlighted spot. That option only opens once they have passed our selection, and each one is labelled.

Top 3Complete listMap

Compare 31 mortgage brokers in Melbourne

31 results

Inovayt, Melbourne#1

Inovayt

5.01,037 reviews
Level 4/550 Spencer St, West Melbourne VIC 3003, Australia
Worth a call for
First-home buyers, self-employed borrowers and business owners

Inovayt helps first-home buyers, property investors and professionals with home loans, refinancing and relocation lending. It also arranges vehicle and equipment finance for personal and business use, including chattel mortgages, hire purchase and leasing.

Self-employed applicants can discuss finance suited to their circumstances, while business owners can seek asset and business finance. Inovayt compares options and can arrange pre-approval to establish a budget before shopping. For vehicle and equipment finance, soft credit checks can be used for the initial assessment before a formal application proceeds.

Known for
  • Vehicle finance from 40+ lenders

  • Soft initial credit checks

Loan Market Razor, Melbourne#2

Loan Market Razor

5.0731 reviews
Level 14/600 St Kilda Rd, Melbourne VIC 3004, Australia
Worth a call for
First-home buyers seeking step-by-step loan guidance

Loan Market Razor guides borrowers through home-loan applications, with particular support for first-home buyers who need clear explanations of their options. The team outlines each stage, answers questions and keeps applicants updated throughout the process.

Its service covers arranging new home loans and helping borrowers compare options for their circumstances. Communication remains a consistent part of the journey, from initial discussions through to securing finance. Explaining options at each stage helps make the lending process easier to follow for buyers and families.

Known for
  • Clear stage-by-stage explanations

  • Supports new home loans

  • Regular progress updates

Mortgage Broker Melbourne#3

Mortgage Broker Melbourne

5.0593 reviews
11/456 Lonsdale St, Melbourne VIC 3000, Australia
Worth a call for
Melbourne first-home buyers and refinancers

Mortgage Broker Melbourne compares home loan options for first-home buyers, refinancers, investors and borrowers seeking commercial or business lending. The brokerage draws from lenders beyond the major banks and considers the difference between borrowing power and the amount a buyer can actually spend after adding a deposit and upfront costs.

Its Melbourne service includes purchasing power calculations, pre-approval guidance, refinancing, moving-house loans and professional LMI-waiver information. First-home buyers can receive help comparing loans, understanding grants and concessions, and navigating offers, finance clauses and settlement dates. The brokerage states that its standard service does not carry a broker fee, although government and lender charges may apply.

Known for
  • Purchasing power calculator

  • Professional LMI-waiver guidance

  • Lenders beyond major banks

ARG Finance Pty Ltd, Melbourne#4

ARG Finance Pty Ltd

5.0447 reviews
Unit 10/202-220 Ferntree Gully Rd, Notting Hill VIC 3168, Australia
Worth a call for
Businesses seeking commercial property finance

Commercial property finance is a particular focus for ARG Finance Pty Ltd, including loans for commercial land, warehouses and other business property. The mortgage broker also arranges residential lending and SMSF property finance for borrowers with different investment structures.

ARG Finance manages applications through to approval and settlement, including commercial purchases with tight timeframes. The team explains lending options, structures finance around the business and keeps applicants updated throughout the process.

Known for
  • Commercial land and warehouse lending

  • SMSF property finance

UFinancial, Melbourne#5

UFinancial

5.0445 reviews
Level 4/580 St Kilda Rd, Melbourne VIC 3004, Australia
Worth a call for
First-home buyers and borrowers comparing multiple loan types

First-home buyers, refinancers and investors can access lending advice through UFinancial. Its mortgage brokers compare home, commercial and asset finance, with options for construction, professional loans and business equipment.

The brokerage says it can compare more than 80 lenders and 500 home loan products, helping match borrowing options to a client’s goals. First-home buyers receive guidance on borrowing capacity, grants and concessions, while existing borrowers can explore refinancing. UFinancial also supports commercial property and business lending. Consultations are available during the listed seven-day opening schedule, from Monday to Sunday.

Known for
  • Access to 80+ lenders

  • 500+ home loan products

  • Seven-day listed opening hours

Top One Finance, Melbourne#6

Top One Finance

5.0339 reviews
Level 3/257 Collins St, Melbourne VIC 3000, Australia
Worth a call for
First-home buyers, refinancers and investors

Top One Finance arranges residential and commercial lending for first-home buyers, families upgrading, property investors and people planning to build. The Melbourne team also supports refinancing and business finance, shaping loan solutions around the borrower’s personal situation and financial objectives.

Its stated approach is to build an ongoing lending relationship rather than handle only one transaction. Advisers guide clients through important finance decisions, explain procedures and options, and provide support from application through settlement. Commercial and business lending is available alongside residential lending, with appointments used to discuss individual goals.

Known for
  • Residential and commercial lending

  • Support through different life stages

  • Solutions shaped around individual goals

What If We Finance Mortgage Broker Melbourne#7

What If We Finance Mortgage Broker Melbourne

5.0326 reviews
Level-14/333 Collins St, Melbourne VIC 3000, Australia
Worth a call for
First home buyers and complex applications

What If We Finance Mortgage Broker Melbourne assists with first home purchases, refinancing and upsize purchases. The broker reviews each borrower’s circumstances, explains the application clearly and can work through applications that are not straightforward.

Support includes guidance on the First Home Guarantee scheme, pre-approval and unconditional approval. Spiro has also reviewed and resubmitted an application after an earlier error, making the service relevant to borrowers who need help correcting an application or understanding the path from enquiry to settlement.

Known for
  • First Home Guarantee guidance

  • Application review and resubmission

Smart Lending - Mortgage Brokers, Melbourne#8

Smart Lending - Mortgage Brokers

5.0291 reviews
696 corner of Bourke and, Spencer St, Docklands VIC 3000, Australia
Worth a call for
Melbourne buyers, refinancers and investors comparing lenders

Smart Lending - Mortgage Brokers compares home, investment and refinancing loans for Melbourne borrowers. The team also assists with debt consolidation, guarantor loans and business or commercial finance, supporting first home buyers, homeowners and investors.

Its brokers compare more than 40 lenders, assess eligibility and guide applicants through documents, approval and settlement. First home buyers can receive help understanding government schemes, while refinancers can compare alternative loan structures and repayment options. The business also provides conveyancing support and financial planning services. Broking is usually provided without an upfront borrower fee, with lender remuneration and loan fees explained before an application proceeds.

Known for
  • Comparison of more than 40 lenders

  • Home, business and SMSF lending

  • Free initial consultation

Yellow Brick Road Carlton, Melbourne#9

Yellow Brick Road Carlton

5.0263 reviews
Ste 2, Level 2/200 Lygon St, Carlton VIC 3053, Australia
Worth a call for
Home buyers and property investors

Home loans and mortgage broking are the focus at Yellow Brick Road Carlton, serving borrowers in Carlton and the wider Melbourne area. The team helps with buying a home, securing a mortgage and completing the associated paperwork.

Brokers explain the process, answer questions and can provide insight for property investment as well as standard home lending. The service is presented under the Home Loan Specialists & Mortgage Brokers Melbourne descriptor, with support continuing through application and approval.

Known for
  • Home loan and mortgage broking

  • Property investment insights

Mel Finance Mortgage Brokers Melbourne#10

Mel Finance Mortgage Brokers Melbourne

5.0227 reviews
28/303 Collins St, Melbourne VIC 3000, Australia
Worth a call for
Medical professionals and Melbourne first-home buyers

Mel Finance Mortgage Brokers Melbourne assists first-home buyers, refinancers, investors, self-employed borrowers and medical professionals with home and property finance. Its core services include home loans, refinancing and specialist doctor loans, with further options for investment and business borrowing.

The Melbourne broker compares home loan options across more than 55 banks and lenders, then helps clients understand loan structures and features. First-home buyers receive guidance from deposit through settlement, while refinancing support can address repayments, equity access, loan terms or interest rates. Medical professionals can access dedicated home-loan information and lending support.

Known for
  • Specialist doctor loans

  • More than 55 lender options

  • First-home buyer guidance

Side by side

#BusinessRatingReviewsWorth a call for
#1Inovayt 5.01,037First-home buyers, self-employed borrowers and business owners
#2Loan Market Razor 5.0731First-home buyers seeking step-by-step loan guidance
#3Mortgage Broker Melbourne 5.0593Melbourne first-home buyers and refinancers
#4ARG Finance Pty Ltd 5.0447Businesses seeking commercial property finance
#5UFinancial 5.0445First-home buyers and borrowers comparing multiple loan types
#6Top One Finance 5.0339First-home buyers, refinancers and investors
#7What If We Finance Mortgage Broker Melbourne 5.0326First home buyers and complex applications
#8Smart Lending - Mortgage Brokers 5.0291Melbourne buyers, refinancers and investors comparing lenders
#9Yellow Brick Road Carlton 5.0263Home buyers and property investors
#10Mel Finance Mortgage Brokers Melbourne 5.0227Medical professionals and Melbourne first-home buyers

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Map of mortgage brokers across Melbourne

Check the map to see which options are closest and which areas they cover.

Frequent questions

How much does a mortgage broker cost in Melbourne?

Some Melbourne brokers state that their residential service is free to borrowers or paid through lender commissions. Others explain that government, lender or disclosed refundable fees may apply. Ask how the broker is paid and what charges could arise before an application proceeds.

Can mortgage brokers in Melbourne help first-home buyers?

Yes. Several brokers assist with borrowing capacity, pre-approval, grants, concessions and deposit options. Some also explain the First Home Guarantee or LMI waivers. Eligibility depends on the borrower and the relevant scheme, so confirm the current requirements during the consultation.

Can I use a Melbourne mortgage broker for refinancing?

Yes. Refinancing support commonly includes comparing repayments, rates, loan terms and equity access. Brokers may manage the application through settlement and explain whether debt consolidation or a different loan structure suits the borrower’s objectives.