Melbourne Services & Moving Here Mortgage Brokers

The 6 Best Mortgage Brokers in Melbourne (2026)

Updated November 2026 · 6 picks

Good mortgage brokers in Melbourne in 2026 include Loan Market Razor on St Kilda Road and 40 Forty Finance in Hawthorn, whose brokers won the MFAA's 2025 Victorian residential broker awards, EverLend in St Kilda for first home buyers and investors, Mortgage Domayne in Moonee Ponds, and Fundwise Capital for business and commercial loans.

Most Australian home loans now go through a broker, who compares loans from dozens of lenders and is usually paid by the lender rather than by you. Since 2021 brokers have had a legal duty to act in your best interests. Several brokers below have won the Mortgage & Finance Association of Australia's (MFAA) Victoria and Tasmania Excellence Awards, the industry's main state awards.

1. Loan Market Razor — St Kilda Road

An inner-south brokerage led by Toby Edmunds, an MFAA Victorian Residential Finance Broker award winner in 2025.

Specialty Home loans, first home buyers, refinancing, investment loansBest for Buyers and owners in St Kilda, South Yarra, Albert Park, Elwood and nearby

Loan Market Razor is a Loan Market franchise brokerage on St Kilda Road, founded and led by managing director Toby Edmunds, who shared the Residential Finance Broker award at the MFAA's 2025 Victoria and Tasmania Excellence Awards. It focuses on Melbourne's inner south — St Kilda, South Yarra, Albert Park, Elwood, Port Melbourne and Malvern.

It suits first home buyers and upgraders in those suburbs who want a local broker backed by the Loan Market group's lender panel.

Good to know: First home buyer? Its site has a dedicated guide to inner-south first home loans.

Level 14, 600 St Kilda Road, Melbourne VIC 3004

Google Maps Website

2. 40 Forty Finance — Hawthorn

A Hawthorn brokerage whose broker Will Unkles shared the MFAA's 2025 Victorian Residential Finance Broker award.

Specialty First and next home loans, refinancing, investment and business loansBest for Buyers and families in Melbourne's east

40 Forty Finance is a brokerage on Church Street, Hawthorn, with access to more than 40 lenders. Its broker Will Unkles shared the Residential Finance Broker award at the MFAA's 2025 Victoria and Tasmania Excellence Awards, and its loan administrator Nick Birrell won the Loan Administrator award in both 2025 and 2026.

It covers first and next home buyers, refinancing, investment lending and business loans, and offers a free home loan health check.

Good to know: Already have a loan? Book its home loan health check to see whether refinancing is worth it.

Level 1, 110 Church Street, Hawthorn VIC 3122

Google Maps Website

3. EverLend — St Kilda

A St Kilda brokerage founded by Evelyn Clark, MFAA Victorian Young Professional of the year in 2026.

Specialty First home buyers, investment loans, construction loans, refinancing, SMSF loansBest for First home buyers, investors and self-employed borrowers

EverLend is a St Kilda Road brokerage founded by broker Evelyn Clark, who won the Young Professional award at the MFAA's 2026 Victoria and Tasmania Excellence Awards. It works with more than 60 lenders on first and next home loans, investment and construction lending, refinancing and SMSF loans.

It suits first home buyers and investors looking at apartments and townhouses, including smaller apartments that some lenders treat cautiously.

Good to know: Buying a small apartment? Ask which lenders accept it — policies vary a lot.

G03, 181 St Kilda Road, St Kilda VIC 3182

Google Maps Website

4. Mortgage Domayne — Moonee Ponds

A north-west brokerage that won the MFAA's 2026 Victorian Customer Service (Business) award.

Specialty Home, investment, construction, self-employed and commercial loansBest for Buyers, builders and investors in Melbourne's north and west

Mortgage Domayne is a brokerage based in Moonee Ponds, and it won the Customer Service Award (Business) at the MFAA's 2026 Victoria and Tasmania Excellence Awards. It covers residential loans — new homes, investment, construction, refinancing and self-employed borrowers — as well as commercial property, development and business loans.

It suits buyers and builders in Melbourne's north-west growth areas, and says its broking services cost borrowers nothing.

Good to know: Building a new home? Ask how construction loan progress payments will work before you sign with a builder.

Suite 105, 17 Everage Street, Moonee Ponds VIC 3039

Google Maps Website

5. Finance Circle Group — Carlton

A Carlton brokerage that won the MFAA's 2025 Victorian Customer Service (Business) award.

Specialty Home and investment loans, SMSF loans, business and asset financeBest for Professionals, healthcare workers, investors and business owners

Finance Circle Group is a brokerage headquartered in Carlton, led by director Nirosh Weerasinghe, and won the Customer Service Award (Business) at the MFAA's 2025 Victoria and Tasmania Excellence Awards. It handles home and investment loans, SMSF lending, business loans and asset finance.

It says it is a preferred choice for healthcare professionals, developers and franchisees, and serves clients across Melbourne, Geelong and regional Victoria.

Good to know: Self-employed or in healthcare? Mention it up front — some lenders have special policies for medical professionals.

Suite 92, 135 Cardigan Street, Carlton VIC 3053

Google Maps Website

6. Fundwise Capital — CBD (Elizabeth Street)

A one-stop broker for home, commercial, business and asset finance — MFAA's 2026 Victorian Finance Broker Business of the year.

Specialty Residential, commercial, business and asset financeBest for Business owners, commercial property buyers and home buyers

Fundwise Capital is a Melbourne finance broker on Elizabeth Street with a team of brokers and credit analysts covering home loans, commercial property, business loans and equipment finance. It won the Finance Broker Business Award at the MFAA's 2026 Victoria and Tasmania Excellence Awards, and its Kien Phan won the Commercial & Equipment Finance Broker Award.

It suits business owners who want one broker for their home loan and their business or commercial borrowing.

Good to know: Commercial loans often carry fees — ask for them in writing up front.

518 Elizabeth Street, Melbourne VIC 3000

Google Maps Website

Frequently asked questions

How are mortgage brokers paid?

Usually by the lender: an upfront commission when the loan settles (typically around 0.5–0.7% of the loan) and a small ongoing trail. Brokers must disclose this in writing. Some charge fees for complex or commercial loans, so ask before you start.

What help is there for first home buyers in Victoria?

The federal Home Guarantee Scheme lets eligible first home buyers buy with a 5% deposit and no lenders mortgage insurance, under price caps set for Melbourne. Victoria also offers first home buyers a stamp duty exemption below a threshold and a concession above it, and a First Home Owner Grant for new homes under a price cap. Rules change, so ask a broker to check you against the current ones.

Is a broker better than going straight to a bank?

A broker can compare many lenders, including smaller banks and non-bank lenders, and must act in your best interests; a bank can only offer its own products. If you already have a good rate with your bank, ask your broker to benchmark it.

Can I get a home loan as a new arrival in Melbourne?

Yes, but options narrow. Temporary visa holders and non-residents can borrow from a smaller group of lenders, usually with a larger deposit, and need FIRB approval to buy. A broker who handles these loans regularly will know which lenders accept your visa type.

What is lenders mortgage insurance (LMI)?

LMI is a one-off premium charged when you borrow more than 80% of the property's value. It protects the lender, not you, and can be a large cost on a Melbourne purchase. A 20% deposit, a family guarantee or the Home Guarantee Scheme can avoid it.

1. Loan Market Razor — St Kilda Road

2. 40 Forty Finance — Hawthorn

3. EverLend — St Kilda

4. Mortgage Domayne — Moonee Ponds

5. Finance Circle Group — Carlton

6. Fundwise Capital — CBD (Elizabeth Street)

Frequently asked questions

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