Your Local Mortgage Broker in Melton

A mortgage broker compares home loan options from a range of lenders on your behalf, then helps guide your application through to settlement. A Melton-based broker also brings familiarity with local lending patterns and the types of properties common across Melton and the surrounding growth corridor.

Deposit requirements vary by lender and loan type, and typically range from around 5% to 20% of the property price. A smaller deposit may involve Lenders Mortgage Insurance. We can talk through what applies to your situation.

Yes. We help first home buyers in Melton understand borrowing capacity, deposit requirements, government schemes they may be eligible for, and the steps from pre-approval through to settlement.

Yes. We review your current loan and compare it against other options that may better suit your circumstances, whether you're looking for a more suitable rate, features, or loan structure.

Pre-approval is an indication from a lender of how much you may be able to borrow, based on your financial situation. It's a useful step before house hunting, though final approval still depends on the property and a full application.

Borrowing capacity depends on income, expenses, existing debts, deposit and the lender's criteria. Our calculator gives a rough guide, and a full assessment gives a clearer picture specific to you.

Generally you'll need proof of identity, recent payslips or tax returns, bank statements, details of existing debts, and information about the property if you have one in mind. We'll give you a clear checklist for your situation.

Timeframes vary by lender and how complete your application is, ranging from a few days to a few weeks. We help keep things moving by preparing your application thoroughly from the start.