Melbourne Mortgage Brokers
Compare home loan options with experienced Melbourne mortgage brokers. Buy, refinance, or review your loan with support from Natloans.
Natloans works with Melbourne buyers and homeowners who want to compare home loan options and apply through a broker rather than a single bank.
Whether you’re buying, refinancing, or reviewing an existing loan, our role is to help you assess options and move forward.
You’ll work alongside an expert mortgage broker from your first discussion through to settlement.
Ready to start? You can pre-qualify online or book a consultation with a Melbourne mortgage broker.
Why Use a Mortgage Broker in Melbourne
Lender policies, valuations, and timeframes can vary depending on property type and location.
In Melbourne, these differences often affect which loans are available and how quickly an application progresses.
Working with a mortgage broker allows you to compare options from a broad panel of lenders and see how different loan structures stack up before you apply.
Our role is to:
- assess borrowing capacity and repayment scenarios
- compare loans with different rates, features, and fees
- prepare applications to meet lender requirements
- stay across the application as it moves through approval
You choose the loan. We handle the comparison and follow-through.
What You Can Expect With Natloans
A Melbourne mortgage broker should make the loan process easier to follow, not more complicated.
Here’s what you can expect working with Natloans.
- Independent Loan Comparisons We compare home loan options across a wide panel of lenders, not just one bank, so you can see how different loans stack up side by side.
- Clear, Practical Guidance We explain how each option works, including rates, features, and fees, in plain language so you can make informed decisions.
- Support From Start to Settlement We stay involved throughout your application, follow up with lenders, and keep you updated as things progress.
- A Broker Who Knows Your Situation You deal with one broker who understands your circumstances and remains your point of contact throughout the process.
- Help Beyond Approval After settlement, you can return to us if your circumstances change or you want to review your loan in future.
Brokers And Banks Work Differently
Both banks and mortgage brokers can help you apply for a home loan.
The difference is how much choice and guidance you receive along the way.
Working With a Bank
Loan Options
You’re shown that bank’s home loans only.
Who They Represent
The advice is focused on that bank’s products and policies.
Comparisons
You need to research and compare other banks yourself.
Application Support
The bank manages its own application process.
Ongoing Help
Support usually ends once the loan is settled.
Working With a Mortgage Broker
Loan Options
You can compare loans from multiple lenders in one place.
Who They Represent
The broker’s role is to help you find a loan that suits your situation.
Comparisons
Different lenders are compared side by side, with the differences explained.
Application Support
Your broker prepares the application, follows up, and keeps you updated.
Ongoing Help
You can return to your broker if you want to review or change your loan later.
Both options can work. A broker simply gives you more visibility across the market before you decide.
Apply In Three Steps
With Natloans, applying for a home loan is straightforward.
You can start by checking where you stand, review home loan options side by side, or move straight to an application when you’re ready.
Each step is set up to help you move things along, whether you’re early in the process or already have a property in mind. Your broker remains involved as things progress, helping with comparisons, applications, and lender follow-ups along the way.
Choose the step that suits you and take things from there.
Step 1
Pre-Qualify
Answer a few quick questions to confirm what may fit your situation and what you could borrow.
Step 2
We Compare and You Select
Review your loan options side by side, with clear notes on rates, fees, and features.
Step 3
Get Approved
We submit your application and stay involved as the lender reviews it and moves it toward approval.
Melbourne Mortgage Broker Access
Natloans works with Melbourne clients from our Cheltenham office and offers appointments in person, by phone, or via video. You can choose the option that suits you, whether you prefer to meet locally or work with a broker remotely.
We also assist clients across Australia who prefer to manage their mortgage discussions by phone or video.
Loan Types We Can Help With
Whether you’re buying, refinancing, or building, our Melbourne mortgage brokers can help you compare home loan options and apply with confidence.
Support when purchasing your next property, with guidance on deposits, repayments, and lender requirements.
Review your current loan to see whether a different rate, structure, or features may suit you better.
Loan options for residential investment purchases, including how rental income is assessed by lenders.
Extra guidance for first-time buyers, including deposits, lender criteria, and available schemes.
Home loan options for self-employed borrowers where standard income documents may not apply.
Finance structures for property purchases through a self-managed super fund, where suitable.
Loans designed for building or major renovations, with progress payments during construction.
Ready to get started? Begin your application and move toward approval.
Calculators and Tools
Use these calculators to check numbers, compare scenarios, and plan for upfront costs before you apply or speak with a broker.
Borrowing Power Calculator
Estimate how much you may be able to borrow based on income, expenses, and debts.
Home Loan Repayment
Estimate home loan repayments based on loan amount, term, and interest rate.
Home Offset Calculator
See how money held in an offset account could reduce interest over the life of a loan.
Mortgage Refinance Calculator
Estimate how refinancing could change repayments and loan costs over time.
Loan Comparison Calculator
Estimate home loan repayments based on loan amount, term, and interest rate.
Lenders Panel
We work with a broad panel of banks and non-bank lenders, giving you more options to compare when applying for a home loan.
Melbourne Mortgage Broker Frequently Asked Questions
Do I pay a fee to use a mortgage broker?
In most cases, no. Mortgage brokers are usually paid a commission by the lender once a loan settles. If any fees may apply to your situation, these are explained clearly before you decide how to proceed.
Can a mortgage broker help if I’m self-employed?
Yes. Mortgage brokers regularly assist self-employed borrowers, including business owners and contractors. Different lenders assess income differently, so comparing options can be particularly helpful when standard payslips or PAYG income aren’t available.
Is using a broker better than going directly to a bank?
A broker can compare home loans from multiple lenders, while a bank can only offer its own products. Both options can work. A broker simply allows you to review more choices before deciding where to apply.
How long does the home loan process usually take?
Timeframes vary depending on the lender, your circumstances, and the property involved. Some applications move quickly, while others take longer due to valuations or additional checks. Your broker keeps you updated as the application progresses.
Can you help with pre-approval before I find a property?
Yes. Pre-approval can help you check your borrowing position before you start searching. Your broker explains what the approval covers, any conditions attached, and how long it remains valid.
Do you only work with Melbourne buyers?
Natloans works with borrowers across Australia. You can work with a broker by phone or video or arrange an in-person appointment at our Cheltenham office if you’re based in Melbourne.
What documents will I need to apply for a home loan?
Requirements vary by lender, but commonly include identification, income documents, bank statements, and details of existing debts. Your broker explains what’s needed for your situation and helps you prepare everything before submission.
Can a broker help if my circumstances are a bit complex?
Yes. Brokers often assist borrowers with multiple incomes, existing loans, or non-standard situations. Comparing lender policies can help identify options that better match your circumstances, rather than relying on a single bank’s criteria.
Will using a broker affect my credit score?
Speaking with a broker does not affect your credit score. A formal credit enquiry usually occurs only when you decide to proceed with a loan application, and your broker will explain when and why any checks are required.
What happens after my loan settles?
Support doesn’t necessarily stop at settlement. You can return to your broker if your circumstances change or you want to review your loan in the future, including refinancing or restructuring options where appropriate.
What our valued customers say about us
Trusted by thousands of Australians for exceptional results and personalised service.
Who is Natloans?
Our awards highlight Natloan’s outstanding work in mortgage and finance broking and customer service, recognised by the industry over many years.
Speak With a Melbourne Finance Broker
If you’re ready to move forward, you can start with a quick pre-qualification or speak directly with a Melbourne mortgage broker about your situation.