Refinancing

To qualify for a home loan, you’ll need to meet criteria set by the lender. They’ll consider your income, employment, credit history, and deposit savings. Most lenders require you to show that you can comfortably make regular repayments. Want to know where you stand? Book a complimentary consultation and we’ll walk you through your options. 

Lenders will run a credit check to assess your financial history, including any previous loan applications and repayments. Checking your own report first can help identify issues before applying. If there’s something on your file you’re unsure about, we’ll guide you through it. 

Most lenders require a deposit of at least 10%, but a bigger deposit reduces how much you need to borrow and lowers your repayments. Some buyers may also qualify for government schemes or grants to help boost their deposit. We’ll work with you to determine what’s right for your personal and financial situation. 

• Decades of mortgage broking experience in Melbourne
• Access to a wide range of lenders and loan options
• Transparent, personalised advice with no hidden costs
• Support that continues long after settlement with our Mortgage Minimiser Program
   

Buying a home should be exciting, not overwhelming. With Melbourne Mortgage Advice, you’ll have the right advice, the right loan, and the confidence to take the next step.