Mortgage Broker Melbourne
With our office on St Kilda Road, Derwent Finance services buyers, refinancers and investors across greater Melbourne - a market of remarkable variety, from inner-city apartments to family homes in the growth corridors of the west, north and south-east.
Melbourne lending has real texture: apartment size and building policies matter in the CBD, Docklands and Southbank; auction culture demands genuinely solid pre-approvals; and Victoria's off-the-plan and first home buyer duty concessions can shift the numbers substantially for the right buyer.
We help Melburnians navigate all of it - matching lenders whose policies suit your property type, structuring auction-ready approvals with realistic bidding limits, and comparing the market rather than defaulting to whichever bank has a branch nearby.
- FBAA Finance Broker of the Year 2025 (TAS)
- Since 2017
- 3,398+ clients helped
- 45+ banks & lenders
- FBAA member · ACL 384324
Common reasons Melbourne borrowers contact us
- - Buying a home in Melbourne
- - Refinancing a Melbourne mortgage
- - First home buyer finance in Victoria
- - Investment property finance in Melbourne
- - Self-employed home loans
- - Construction and renovation finance
Areas we service in Melbourne
FAQs
Melbourne home loan FAQs
Do you have a Melbourne office?
Yes - at 7/570 St Kilda Rd, Melbourne. In-person, phone and video appointments all available.
Are small Melbourne apartments harder to finance?
Under-50sqm apartments and some high-density buildings face lender restrictions on LVR or acceptability. Plenty of lenders remain comfortable - it's about placing the property with the right one.
How do I prepare finance for a Melbourne auction?
With a fully-assessed pre-approval and a clear maximum bid - auctions are unconditional, so the approval quality matters. We prepare buyers for auction season constantly.
What Victorian concessions exist for first home buyers?
Victoria offers duty exemptions and concessions for eligible first home buyers under price thresholds, plus new-build grants - all stackable with Federal schemes where eligible. We'll map your entitlements.
Australia-Wide
We also service
What People Say
Testimonials
When it came time to find the home loan that was ideal for my first house, we collaborated directly with Emmanuel. Always making it a point to ensure that we were happy, he went out of his way to make sure that we had all we need, including making regular checks in to ensure that any questions or concerns that we had been resolved. Derwent Finance has earned our highest commendation, without a doubt!
Marguerite James
Emmanuel is the definition of a seasoned expert. I was approved in no time, and the process moved at a fast pace. It doesn't matter what time of day it is; if I have a question for him, I can generally count on him to answer it immediately. He's also incredibly easy to get along with. Working with Derwent Finance mortgage advisor team was a highlight of my time, and I highly recommend them.
Dorothy Graham
The team at Derwent Finance have been excellent at every step of our home buying journey - from pre-purchase, to settlement and to checking in afterwards. They made it both an enjoyable and easy journey - no question was too much trouble, communication is exceptional & there is always someone available to speak with you. I would recommend them to any prospective clients with no hesitation.
Jamie
Super knowledgeable and helpful staff. They are busy but always made time for us. We had a number of close calls without the settlement of our first property but the team at Derwent Finance were always quick and prompt to resolve issues as they came up. Highly recommend.
Tony Bose
We're both self-employed and had been told no twice by our own bank. Derwent Finance looked at our actual figures, found a lender that accepted one year of financials and we were approved on our first home within three weeks. They explained every step in plain English.
Priya & Daniel, Launceston
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- FBAA Finance Broker of the Year 2025 (TAS)
- Since 2017
- 3,398+ clients helped
- 45+ banks & lenders
- FBAA member · ACL 384324