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Cairns Mortgage broker

Melbourne Mortgage broker

HOME LOAN BROKERS MELBOURNE

Let's find a home loan that suits your needs

With a proven track record and deep understanding of the Melbourne property market, our mortgage brokers will guide you through every step of the home loan process. 

Home Loan Broker Melbourne

Get in touch with a home loan broker today





    Save more by getting expert help finding the perfect loan. 

    Explore loan options and competitive rates from trusted lenders.

    We help you choose a loan from our massive range of trusted Lenders

    Receive expert property market advice in Melbourne from local mortgage brokers. 

    The process:

    • Pre-Approval: Chat with our home loan brokers in Melbourne to discuss your finances in order to get your pre-approval letter. 

     

    • Find Your Dream Home: With pre-approval in hand, confidently search for properties within your budget and make competitive offers. 

     

    • Loan Application:  Once you’ve found your perfect home, we will guide you through the application process to ensure all documents have been submitted. 

     

    • Settlement: Celebrate! After loan approval, you’ll attend settlement, sign the final paperwork, and become the proud owner of your Melbourne property. 

    Key considerations:

    Here are the most influential considerations you need to keep in mind when getting a home loan. 

    • Interest Rates: Securing a competitive rate with our home loan brokers in Melbourne helps minimise monthly repayments and total loan cost. 

     

    • Loan Terms: Find a balance between manageable repayments and total interest costs. Shorter terms typically mean lower overall interest costs. 

     

    • Fees & Charges: Be aware of all upfront and ongoing fees associated with your home loan to make an informed decision. 

    Your trusted team of home loan brokers in Melbourne:

    Looking for a reliable home loan broker in Melbourne? Look no further!  Our team has extensive experience in this field of work. We’re dedicated to helping you achieve your investment goals by offering expert advice and personalised home loan solutions.   

    Led by Patrick Cosgrave, our qualified mortgage brokers are passionate about guiding Melburnians through their home loan journey and secure their dream property! 

    Visit our office in Melbourne

    Address

    1/397 Brunswick Street, Fitzroy VIC 3065

    Office Hours

    Monday

    8:30 - 5 pm

    Tuesday

    8:30 - 5 pm

    Wednesday

    8:30 - 5 pm

    Thursday

    8:30 - 5 pm

    Friday

    8:30 - 5 pm

    Saturday

    Closed

    Sunday

    Closed

    Phone Number

    ( 03 ) 9621 1222

    Reviews from our clients

    5.0

    5/5

    Nikoletta Barillo

    5/5
    2 months ago - Google

    We had an outstanding experience working with Eakins Finance for our mortgage. From start to finish, they were professional, knowledgeable, and incredibly helpful. They went above and beyond to ensure we understood every step of the process and found us the best possible mortgage deal. The team was always available to answer our questions and provide guidance, making the entire experience smooth and stress-free.

    Harbert R M

    5/5
    8 months ago - Google

    We were very happy with the service provided by the Eakins team! Our application wasn’t a simple process, and they went above and beyond to find the best products for us! So glad we made the move!

    Shane Clarke

    5/5
    1 months ago - Google

    Using a mortgage broker can sometimes be a hit and miss process. Luckily for me, I came across Eakins team on a google search and all the reviews are accurate. They guided me through the mortgage process with enthusiasm and eagerness, finding great deals that suited my circumstances. I can’t recommend the team highly enough!


    MELBOURNE MARKET THOUGHTS
    2023 - 2024

    By Patrick Cosgrave

    Interest rates impacted the borrowing capacity of high-end clients in the latter part of 2023, but property prices have remained stable. This stability is attributed to pent-up demand and a decrease in the number of listings compared to usual for this period. 

    The medium-term outlook remains favourable for properties in sought-after areas like Carlton and St. Kilda, where the average home price is around $1,500,000. Investors and owner-occupiers alike are expected to continue vying for properties. 

    Meanwhile, the limited availability of rental properties ensures landlords can charge higher rents, which helps them cover the increasing costs of owning property.

    Home Loan Interest Rate From

    6.04

    %*
    p.a.

    Home Loan Comparison Rate From

    5.88

    %*
    p.a.

    Some of our lenders

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    DON'T SAY WE DIDN'T TELL YOU SO...

    Don't miss out! Get pre-approved for your dream home today!

    Are you already hunting for your perfect Melbourne property on Realestate.com.au?

       
    Why not be ready to make an offer with a pre-approved home loan. 

     

    A pre-approval letter is valid for 90 days, giving you plenty of time to find your dream home and make an offer.   

    Get the process started today.
    Ph: (03) 9621 1222

    Get your loan pre-approval letter now!





      Frequently asked questions

      To apply for a home loan, you have to be at least 18 years old, an Australian citizen or permanent resident, or married or in a de facto relationship with an Australian citizen or permanent resident. Eligibility typically requires a stable income, good credit history, savings for a deposit, and ability to manage repayments. 

      Yes, it's possible to pre-qualify for a loan before embarking on your house-hunting journey. By providing basic financial information, you can set a realistic budget for the houses you can buy in the Melbourne market. 

      When applying for a home loan, you'll typically need to provide documents for identification such as driver's license or passport, proof of income like payslips or tax returns, bank statements, details of existing loans or debts, and other information about the property you intend to purchase. 

      The timeframe for receiving a pre-approval letter in Melbourne can vary. Factors such as your lender's processing times, and the complexity of your financial situation can lengthen the waiting period. Generally, however, it can take anywhere from a few days to a couple of weeks to obtain a pre-approval. 

      Fixed-rate loans maintain a constant interest rate for a set duration, ensuring predictable repayments. Conversely, variable-rate loans have rates that change with market conditions, offering the chance for savings if rates drop, but potentially leading to increased repayments if rates rise. 

      Yes, we can provide guidance on Government incentives in Melbourne, such as First Home Owner Grants, stamp duty concessions, and the First Home Loan Deposit Scheme. We can also assist you in understanding eligibility requirements and how to make the most of these incentives. 

      Consider factors such as your financial position, risk tolerance, and future plans. We can assist you in comparing various loan options so that you can understand their features and associated costs, and evaluate how they align with your individual needs.