What If We Finance
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Whether you are looking to buy your home, refinancing or investing in property, we are the mortgage broker you need in Melbourne - at your service 7 days a week. Our expert, independent mortgage broker makes finance simply so you can concentrate on the important things. What If We Finance are the trusted independent mortgage brokers in Melbourne's CBD and beyond, dedicated to making your dreams come true and securing you the best loan possible.

We negotiate unbeatable deals for clients for a range of scenarios, such as buying a home, refinancing, property investments, and more. As one of the top independent mortgage brokers in Melbourne, we pride ourselves on our expertise, experience and ability to quickly find you an unbeatable deal.
Services
Mortgage Broker What If We Finance is available 7 days a week to meet and discuss your needs when it comes to buying a home, property investment or refinancing. Let us find you an unbeatable deal. Mortgage Broker Melbourne What If We Finance has 22 years of experience. We are available 7 days a week and can meet at your office or a place convenient to you or alternatively we can meet in CBD office during business hours.
Need an independent mortgage broker? Trust What If We Finance. We have the expertise and experience to find the best mortgage rates for every type of buyer. Shopping for a mortgage is often one of the most arduous steps in buying a home. There's a wide range of options and features available today, and selecting the best one takes a lot of time and effort.
Buying your first home can be an overwhelming process, with steps you're unsure of. As a first home buyer, having a mortgage broker isn't an option -- it's a necessity. Our home loan broker in Melbourne will guide you through every step of the mortgage process, helping you gain peace of mind with expert advice and support.
Buying an investment property is a powerful wealth creation strategy. Access hundreds of investment property loans from our wide choice of lenders. We will shop around for you and let our investment property mortgage broker negotiate a competitive rate. Are you a first-time investor starting out in the real estate game?
With so many great offers available and interest rates at an all-time low, there's no better time to refinance your home loan in Melbourne. Do it with the guidance and support offered by What If We Finance. We'll make sure you find an unbeatable deal, starting from 1.79% p.a. Refinancing refers to the process of replacing your existing home loan by taking out a new home loan, either through a different lender or your current one.
Reviews (9)
Ja G.
Ja G.
Jan 25, 2022
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Spiro and his team were fantastic to deal with, walked me and my wife through the whole process of re-financing our mortgage. We got an awesome rate and honestly was surprised how easy and straightforward they made it for us.
These guys are in a different league compared to our previous mortgage brokers. I knew I was dealing with someone very experienced from day one, there knowledge was second to none, attention to detail was on point and we are so happy with everything they done for us.
Thank you so much Spiro and the team it’s been a great experience!
Daphne F. Sailor
Daphne F. Sailor
Dec 29, 2021
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Extremely professional service and great communication. I Worked with Spiro and Agnes to refinance my home loan and they made the process smooth, simple and to my delight finance was approved in a few days with a great rate. If you want someone who gets stuff done with no fuss look no further.
Huedsw Kolp
Huedsw Kolp
Dec 28, 2021
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Highly recommended service! Spiro made the whole process of refinancing super easy. He was available to discuss any question, he did all the work for me and was available 7 days a week. He is super professional, super quick and highly recommended.
Keri M. Herman
Keri M. Herman
Dec 27, 2021
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What If We Finance helped me buy my first home and Spiro at our first meeting told me concentrate on finding your home and let me sort out the finance , just follow my lead.His approach was direct and communication was first class. His advice and guidance made us feel comfortable, he took care of everything for us and even made sure settlement happened smoothly. If you want a mortgage broker that goes the extra mile Spiro is your man.
Jay Schroeder
Jay Schroeder
Dec 22, 2021
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What If We Finance and their team were outstanding. From the first initial call to our settlement date the process was flawless. Spiro made the process so easy for us, easy to understand and very professional, all the hard work was done for us. Stress free and we would highly recommend Spiro
Nashil Jhugroo
Nashil Jhugroo
Dec 06, 2021
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It has been great working with Spiro and we appreciate his level of service and professionalism. We will certainly recommend you to friends/colleagues in need of a mortgage broker. It was a pleasure to work with you. Your patience, honesty, and stellar service was greatly appreciated.
Spiro was always reassuring when we had any doubts. His style is straightforward and he will tell you exactly what you need (reality checks) which I admit helped us tremendously. He was always available by phone, SMS or email and always responded promptly to all our queries.
Our mortgage was approved first time
Robinson Elliot
Robinson Elliot
Dec 05, 2021
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Spiro helped my buy my first home and the service throughout the process was brilliant. He was always available, answered all my questions in detail and nothing was too hard. He went over and beyond what I expected by taking calls after hours and weekends. Communication was first rate, everything was explained clearly and Spiro and the team were extremely helpful and understanding. Nothing was too hard for them. Thank you so much!
Melissa Cheung
Melissa Cheung
Dec 04, 2021
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Highly recommend Spiro and his team! As a first home buyer, we needed all the help we could get and Spiro was so patient and gave us knowledgeable advice. He was always quick to respond to emails and phone calls and we really appreciate his time. The whole process went smoothly and we would definitely use his service again in the future!
Tahnee Baker
Tahnee Baker
Aug 17, 2021
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As a first home buyer I was completely in the dark when it came to purchasing my first home and obtaining a loan. After reading a number of positive reviews online I reached out to Spiro and am very glad I did!
The team at What If We Finance have been very responsive, returning all of my calls and emails quickly, and Spiro has taken the time to answer all of my questions throughout the home loan process. Having taken the plunge into the property market I'm happy that Spiro has secured me a great rate for my loan and I would highly recommend his services.