Mortgage Brokers Melbourne

First Home Buyers in Melbourne

Finding the perfect first home can be daunting, and that's before you walk into a single bank for pre-approval or start the home loan application process. That's why we think you’ll love our simple, expert advice and help. We make the entire home loan process hassle-free for first time property buyers, from pre-approval, paperwork help, stamp duty to guidance on insurances - we're here for you every step of the way. Just call us on 0423 713 362 if you are a first home buyer in Melbourne.

Other Home Buyers in Melbourne

If you're looking to upgrade, downgrade or side-grade your Melbourne Vic home, and need financing or refinancing, our local team have helped others transition seamlessly with market-leading loan rates - all without having to deal with the major banks or others in the lending industry. If you know the lending process, we can simply be your negotiation team, or let our experienced team help you with an initial loan health check.

Melbourne Investment Buyers

With every local property market, not all properties or blocks of vacant land are great investments, and often to get the best returns, you'll need to have the right mortgage consultants who know the local area. As local investors and independent home loan brokers, Jacob Decru and our mortgage agents can help you get financing for your first, or fifth investment Melbourne 3000 Victoria property. Just get in touch with Jacob Decru today on 0423 713 362. 

Melbourne Home Refinancing

Have your circumstances, life or financial goals changed? Or perhaps you’re looking to start those long-awaited renovations? Lots of people refinance for different reasons to find the right home loan for their current needs. Let our loan specialists provide honest advice and help you get competitive rates. We can also point you to our brilliant free online home loan calculators so you can see what any extra payments look like.

Melbourne Construction Financing

Even with the best plans and project managers, building a new home or starting a major construction project like a granny flat or larger shed, can present many unknown challenges. This is where working with the Best Mortgage Broker Melbourne really counts, with our combined experience and simple loan process for domestic and commercial property. Jacob Decru and the team here can help you remove the financial unknowns and help you find the right construction finance solution.

Melbourne Self-Employed People 

People with self generated incomes, i.e. not PAYG, like self-employed individuals, Vic business owners and freelancers, might need specialised assistance in finding the right home loan options for their income structure and lender criteria. This is where our highly experienced, licensed mortgage broker team can help, from home loans to commercial loans. Jacob and his team truly understand the challenges self-employed people face, so just get in touch with us today on 0423 713 362 if you are looking for trusted Mortgage Brokers in Melbourne!

Melbourne Clients with Unique Financial Situations 

We also help Melbourne clients with unique financial circumstances, such as those with a history of poor credit or irregular income, where for example, other lending institutions have knocked you back. Jacob and the team here have access to hundreds of home loan products, and can often find a lender who are willing to work with you, to help you get the home loan you need. This is where Jacob and our team, with in-depth banking and experience in finance, really shine.

Just get in touch with Jacob and the team on 0423 713 362 if you are looking for Mortgage Brokers Melbourne!

Jacob Decru and our team are the experts at making home loans easy - and we do all the heavy lifting for you. That's why we have loads of amazing 5-star reviews from our Melbourne, Melbourne and even regional Victoria clients. Our team can help you in several ways, from pre-approval to mortgage insurances and more, and we're happy to go the extra mile to get your mortgage approval. 

1. Home Loan Financial Assessment

Using a local mortgage broker Melbourne can be a invaluable resource when navigating the property market in the area. We start by assessing your financial situation, whether you're a first-time homebuyer or buying your fifth investment property, to determine the right loan and lender for your needs. This includes analysing your assets, income, expenses, credit history, and overall financial readiness using responsible lending questionnaires. At this stage, we can also provide unofficial financial advice and credit advice to get you on the right track. That’s why using a local mortgage broker Melbourne can be a invaluable asset.

2. The Mortgage Pre-Approval Process 

Jacob Decru and our Mortgage Agents can help you get pre-approved for your next home loan. We help during every step of the loan process, including making the fine print and complex details easy to understand. We also work with over 60 lenders when obtaining a conditional approval for your desired loan amount, which can give you a clearer idea of their budget when house hunting in Melbourne 3000 postcode. 

3. Local Melbourne Housing Market Knowledge 

A local mortgage broker Melbourne like Jacob Decru, has a great understanding of the Melbourne real estate market. We can provide insights into property values, trends, and the local neighbourhoods that could suit your needs (such as school, shops, transport, investment potential etc), helping you make more informed decisions when buying a home or investment property.

4. Trusted Home Loan Comparison Shopping 

Comparing loans and finance options from multiple lenders is a major part of what we do for clients, and why we’ve over 300 five star Google reviews! We help you find competitive interest rates and favourable loan terms for your borrowing power - with a huge range of lending solutions, including if you are looking at commercial lending. Be sure to get in touch with Jacob Decru today on 0423 713 362 if you have any questions.

5. Paperwork and Application Help 

Mortgage advisors like Jacob Decru are the experts at assist with the preparation and submission of your mortgage application, and that's what makes our range of services so valuable. We can help you gather the necessary documents and ensure that the application is completed accurately and promptly. This helps you reduce the time and stress that it takes to finance your home, or renovation financing.

6. Simplifying The Home Loan Process 

Buying a home involves complex paperwork and processes. By using a  local Mortgage broker Melbourne, like Jacob Decru, we can simplify the process by guiding you through each step and answering any questions you may have. From pre-approval, finding the most competitive market rates, accessing your current lender, performing the best mortgage comparisons around, our award-winning mortgage services is why we have so many 5-star Google review. 

7. Ongoing Mortgage Support 

When you use a local mortgage broker Melbourne, your relationship shouldn’t end after your mortgage is approved. With Jacob and his Melbourne mortgage broker team, our support continues well after your loan goes unconditional, and we offer support, answer questions, and help with any issues that arise during the settlement process or during loan repayments, such as regularly checking in or looking into refinancing to ensure you are getting the best home loans rates. 

Just get in touch with Jacob and the team on 0423 713 362 if you are looking for Mortgage Brokers in Melbourne!

Melbourne, VIC 3000, is considered a great place to buy a home or investment property for several reasons:

1. Central Location: Melbourne 3000 is right in the heart of Melbourne's central business district (CBD), offering a vibrant urban lifestyle with easy access to a wide range of amenities, entertainment options, and employment opportunities.

2. Public Transport: The area is well-serviced by public transport, including trains, trams, and buses, making it easy to get around the city and beyond.

3. Cultural Hub: Melbourne is known for its rich cultural scene, including world-class restaurants, cafes, art galleries, museums, and theatres, providing residents with a diverse range of experiences.

4. Education: Melbourne is home to several universities and educational institutions, making it an attractive option for students and academics.

5. Employment Opportunities: The CBD is a major employment hub, with a wide range of industries represented, including finance, technology, hospitality, and more.

6. Amenities: Melbourne CBD offers a wide range of amenities, including shopping centres, parks, recreational facilities, and healthcare services, providing residents with everything they need for a comfortable lifestyle.

7. Property Values: While property prices in the CBD can be higher compared to other areas, Melbourne 3000 has seen steady growth in property values over the years, making it an attractive option for investors looking for capital growth.

8. Lifestyle: Melbourne CBD offers a vibrant and dynamic lifestyle, with a mix of cultural, entertainment, and recreational options, making it a great place to live for those who enjoy city living.

Just get in touch with Jacob and the team on 0423 713 362 if you are looking for Mortgage Brokers in Melbourne!

When it comes to securing a home loan, there are several major lenders including the big 4 Australian banks and financial institutions who operate across Melbourne, and indeed the entire Victoria area. The problem is, there are an overwhelming amount of financial products that aren't always easy to understand - and every lender offers a wide range of loan products that are based on your borrowing capacity. So, how do you know which loan product to go with?

That where Jacob and his team can help, we work with over 60 lenders!  

But here are some other lenders in Melbourne you could consider:

1. Other Mortgage Brokers in Melbourne

Did you know that 70% of Australians now use a broker over a bank? A Mortgage Advisor like Jacob Decru and his Mortgage Broker Melbourne team, are really the easiest way to go, no matter what home loan companies you're talking with. That’s because brokers work for you, not the banks - and we can help you quickly understand the types of loans available, and those that best suit your individual needs.

Other Mortgage Brokers in Melbourne include Loan Market Melbourne, Aussie Home Loans, Mortgage Choice Melbourne, Lendi and many more.

2. Major Banks 

Australia's major banks like Commonwealth Bank, Westpac Bank, ANZ Bank, and National Australia Bank (NAB) offer a range of home loan products and personal loans. These banks have a significant presence in the local Melbourne area and throughout Australia. The challenge with banks, is that they only offer their own. Home loan products, which means that to compare 60 lenders (like we do), you would have to visit 60 banks!! That’s why mortgage brokers are so sort after in Australia and write over 70% of residential home loans.

3. Non-Bank Lenders 

Non-bank lenders without a physical office includes the likes of ING, ME Bank, Macquarie Bank and more, who might offer alternative home loan options and could be worth considering. Again though, like banks, they only offer their own home loan products, so you will be extremely limited and could take out a loan that is not ideal for your needs. You just need to do a lot of research when going directly with any kind of bank - and also be very careful of fees. 

Just get in touch with Jacob and the team on 0423 713 362 if you are comparing lenders, we can help and are 100% free!