Mortgage Brokers in Melbourne & Surrounding Areas

Melbourne’s Trusted Experts for Stress-Free, Tailored Mortgage Solutions

Your journey to owning property is made simple. With over 20 years of combined experience, AxJ Finance Brokers provides personalised, transparent, and stress-free mortgage solutions to fit your unique financial needs.

Lending solutions to empower and turn your dreams into reality.

We recognise that each family’s financial journey is distinct. As your trusted mortgage broker in Melbourne, we foster enduring partnerships by delivering proactive, responsive, and tailored mortgage solutions.

Whether you’re purchasing your first home or a business owner aiming for growth, we make your mortgage experience straightforward, ensuring you establish a strong presence in Melbourne’s ever-changing property market.

A Positive Impact.

At AxJ, we strive to contagiously radiate a positive impact on people far beyond our direct reach.

Over the years we’ve established ourselves as the premier choice for mortgage brokers in Melbourne‘s thriving market. Our speciality is designing personalised loan and refinancing solutions, tailored to save you both time and money.

With a foundation of trust, supported by numerous five-star ratings from our satisfied Melbourne clients and strong connections with a wide array of lenders, we are your ideal financial partner in securing your mortgage.

Licensed And Accredited

Dedicated

Melbourne Specialists

40+ Lenders

Our Mortgage Services Tailored to Your Needs

We understand that every client has unique financial goals, and we’re here to provide customised mortgage solutions that suit your specific situation. Explore our range of services designed to help you achieve financial success.

Why Choose Us?

With years of expertise in the mortgage industry, we offer a comprehensive solution for all your home loan needs. From refinancing to investment loans, our team is committed to delivering personalised service and expert advice.

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Our Mortgage Services

SMSF Refinance

SMSF Refinance

Refinancing options for Self-Managed Super Funds, helping you make the most of your retirement investments.

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Investment Loans

Investment Loans

Whether you’re growing your property portfolio or just getting started, our investment loan solutions maximise your investment potential.

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Reverse Mortgages

Reverse Mortgages

Ideal for retirees, reverse mortgages let you access the equity in your home without selling it, offering financial flexibility in retirement.

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Tax Debt Consolidation

Tax Debt Consolidation

We help you manage and consolidate your tax debts, offering a solution that eases financial strain and improves cash flow.

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Low-Deposit Home Loans

Low-Deposit Home Loans

If you’re struggling to save a large deposit, our low-deposit home loan options can help you secure a property with less upfront cost.

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Bridging Loans

Bridging Loans

Need to buy and sell a property at the same time? Our bridging loans make the transition smoother, covering the gap between buying and selling.

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AxJ Finance Brokers – Melbourne’s Trusted Mortgage Experts

Your journey to owning property is made simple. With over 20 years of combined experience, AxJ Finance Brokers provides personalised, transparent, and stress-free mortgage solutions to fit your unique financial needs.

About Us

AxJ Finance Brokers is a trusted Melbourne-based mortgage broker specialising in personalised lending solutions for homeowners, investors, and businesses. Led by our principal broker, Jason, we take pride in delivering responsive, proactive mortgage services that make the lending process clear and hassle-free.

With over 40 lenders in our network, including major banks and specialised lenders, it gives you access to a variety of home loan choices that suit your financial needs. As leading finance brokers in Melbourne, we focus on being transparent, honest, and providing great service to ensure you get the best loan terms and continuous support.

Our Values:

  • Integrity: We put your financial success first by offering honest, transparent advice.
  • Trust: Our team works with your best interests in mind, ensuring you make informed, confident decisions.
  • Excellence: We provide top-quality service, from the moment you contact us until long after your loan is settled.

Our Promise:

We’re here to help you easily navigate the tricky property market, offering the guidance and support you need to reach your property goals.

Secure the Best Home Loan in Melbourne: Fast, Simple, and Tailored to You

Your journey to owning property is made simple. With over 20 years of combined experience, AxJ Finance Brokers provides personalised, transparent, and stress-free mortgage solutions to fit your unique financial needs.

Finding the right home loan in Melbourne can be confusing with so many options available. We simplify the process by searching through over 40 lenders to find the perfect loan that fits your needs, whether you’re buying your first home or growing your property investments. Our goal is to help you save by reducing fees, minimising Lenders Mortgage Insurance (LMI), and securing the lowest repayments.

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Our service gives you real-time comparisons of Melbourne’s best loan rates, detailed repayment estimates, and insights into how features like offset accounts can save you money. We also guide you through how banks assess your borrowing capacity, helping improve your chances of fast approval and enabling you to pay off your loan sooner.

Get Into Melbourne’s Property Market with Less Than 20% Deposit

You don’t need a 20% deposit to buy a home in Melbourne. With low-deposit home loans, you can enter the market with as little as 5% down. While LMI is typically required for smaller deposits, we’ll help you assess if paying LMI upfront makes sense for your situation or if there are strategies to reduce it. We guide you through low-deposit loan options, ensuring you get the best deal with minimised costs.

Improve Your Loan Approval Chances by Managing Credit Cards Wisely

Credit cards can affect your loan approval more than you might think. Lenders look at all your available credit, not just your mortgage. To improve your chances of approval, we recommend lowering your credit card limits and keeping balances low. If needed, we’ll assist in consolidating credit cards to enhance your borrowing power and ensure you meet lender requirements.

Stay Ahead of Melbourne’s Property Market with Expert Guidance

The Melbourne property market has evolved, making it a challenge to navigate. However, with change comes opportunity. While some areas—particularly those with oversupply—are seen as high-risk, outer suburbs still offer great investment potential. In these high-risk zones, deposits might need to be as high as 30%, but we’ll help you find the best strategy to avoid unnecessary risks.

Our expert mortgage brokers stay ahead of Melbourne’s ever-changing property landscape to give you the upper hand. We’ll guide you through areas where property values are stable or rising and ensure that your loan matches the bank’s valuation. Whether buying or refinancing, we’ll help you make smart decisions that align with your goals.

Bridging Loans: Buy Your Dream Home Without Delay

Looking to buy a new home before selling the one you own? A bridging loan is the perfect solution. This short-term loan bridges the gap between selling and buying, allowing you to secure your dream home without waiting. We’ll guide you through the process quickly and help you secure the best terms, ensuring a smooth transition between properties without any delays.

Refinance Your Investment Property and Maximise Your Returns

Refinancing your investment property can reduce your interest rates, improve loan terms, and boost your rental returns. By lowering mortgage repayments, you can increase cash flow for renovations or further investments. We’ll help you find the best refinance options, ensuring you make the most of your property investment.

Grow Your Retirement Fund: Invest in Melbourne Property with SMSF

Investing in Melbourne property through a Self-Managed Super Fund (SMSF) is a powerful way to grow your retirement savings. SMSFs allow you to use your super to buy property, generating rental income and potential capital gains. However, strict rules govern SMSF investments. We’ll guide you through the process, ensuring compliance and helping you make the most of this opportunity for long-term wealth growth.

Is a Reverse Mortgage the Right Choice for Your Retirement?

A reverse mortgage lets you access the value of your home as extra income, all while staying in your home during retirement. Although interest adds up and lowers your home equity over time, it’s a great choice for retirees who need more income without selling their property. We’ll assess your financial goals and guide you through the process to ensure a reverse mortgage is the right fit for your retirement plan.

Why Experience Makes All the Difference for a Smooth Loan Process

Choosing an experienced mortgage broker can make all the difference in your loan journey. Our brokers have the expertise to handle complex situations, from addressing borrowing capacity to ensuring credit concerns are resolved. We use our knowledge of Melbourne’s lending policies to avoid mistakes that could lead to loan rejections, and we ensure you always get the best possible deal.

From pre-approval to settlement and beyond, we manage every step of the loan process. After your loan is finalised, we continue to monitor your rate, helping you refinance when the opportunity arises. With our experience, you’ll enjoy faster approvals, fewer errors, and a smooth, stress-free loan experience.

Simplify the Home Loan Comparison Process

Finding the right home loan in Melbourne doesn’t have to be complicated. We make it simple by comparing offers from over 40 lenders, using advanced software that directly connects with banks. This enables us to present you with the best options tailored to your financial goals. Plus, we discuss ways to reduce fees, charges, and Lenders Mortgage Insurance (LMI) costs, ensuring you get the most value from your loan.

How Credit Cards Impact Your Borrowing Power

Credit cards can play a significant role in your home loan approval process. Lenders consider all your credit when evaluating your application, not just your potential mortgage. Here’s how to stay ahead:

  • On-Time Payments: Always pay your credit cards on time to maintain a positive credit history.
  • Limit Adjustments: Consider reducing your credit card limits to increase your borrowing capacity.
  • Consolidation: If you have multiple cards, consolidating them or closing a few could meet lender policies more effectively.
  • Strategic Guidance: We help you navigate these nuances to ensure you present the strongest possible application.


Expert Tips for Reducing LMI Costs

Lenders Mortgage Insurance (LMI) is often required if you’re borrowing more than 80% of the property’s value. While it protects the lender, it can be a significant cost for borrowers. Here’s how to reduce it:

  • Increase Your Deposit: Boosting your deposit lowers your Loan to Value Ratio (LVR), potentially eliminating the need for LMI.
  • Explore Alternative Solutions: Sometimes, it’s worth paying for LMI to enter the market sooner, especially if property prices are rising.
  • Add LMI to Your Loan: If upfront payment is an issue, LMI can often be added to your home loan, spreading the cost over time.


Accurate Loan Estimates with Our Melbourne Mortgage Calculator Understanding your borrowing capacity and potential repayments is crucial, and generic online calculators often fall short.

Our Melbourne mortgage calculator provides precise estimates by considering each lender’s unique policies. This way, you receive tailored information that accurately reflects your financial situation.

With our assistance, you can confidently plan your mortgage, knowing that your repayments are manageable and aligned with your budget.

Pre-Approval: Your First Step in Melbourne’s Property Market

Getting pre-approved for a mortgage is a vital step in the Melbourne property market, setting your budget and showing sellers you’re a serious buyer.

We streamline this process, working with over 40 lenders to secure competitive rates and terms. Our experts handle all the paperwork, guiding you through each stage to make pre-approval quick and stress-free.

First-Time Buyers: Navigating Your Melbourne Property Purchase

Entering the Melbourne property market for the first time can be overwhelming, but you don’t have to go it alone. We provide first-time buyers with comprehensive support, from understanding your borrowing capacity to finding government grants and comparing home loans. Our personalised guidance ensures you’re well-prepared to make confident decisions.

The Importance of Property Valuations in Melbourne

Property valuations are crucial in determining your LVR and, consequently, your LMI costs. If a property’s valuation comes in lower than expected, it could impact your mortgage. We offer expert advice on navigating these situations, ensuring that you’re aware of how valuations can affect your overall loan structure.

Fixed vs. Variable Interest Rates: What’s Right for You?

Choosing between fixed and variable interest rates is a critical decision for your mortgage. Fixed rates offer stability, keeping your payments consistent, while variable rates can fluctuate, potentially offering savings if the market shifts in your favour. We provide clear, personalised advice to help you select the option that best suits your financial goals.

Final Thoughts: Making Informed Decisions in Melbourne’s Property Market

Navigating Melbourne’s dynamic property landscape requires expert guidance. Whether you’re accessing your home equity, reducing LMI costs, or deciding between fixed and variable interest rates, our team is here to support you every step of the way. By understanding your unique financial situation, we ensure that you’re making informed decisions that will benefit you in the long run.

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Work With Award-Winning Finance Brokers

MFAA Endorsed

Basking in the glow of MFAA (Mortgage and Finance Association of Australia) approval, we stand tall as certified mortgage brokers right here in Sydney.

Fully Qualified

As Unconditional Finance's driving force and founder, Chris leverages his industry expertise and personal investment acumen. Aside from bagging numerous accolades, including recurrent Top 100 Broker mentions, Chris savours family time and sports when off-duty.

A Legacy Spanning Over Two Decades

We're proud of our rich tapestry of more than 25 years, throughout which we've aided countless clients in realising their financial dreams.

Award-Winning

Our mantle is laden with awards, as we've repeatedly been hailed as one of Sydney's top-tier mortgage brokers year after year.

Fully Licensed

Registered with ASIC and being fully licensed mortgage brokers, we're intimately acquainted with the industry's unique demands.

Centred On Your Goals

At Unconditional Finance, we place your aspirations and necessities at the heart of our operations. When you join hands with us, be assured your interests are our prime concern.

How an Extra $100,000 or More Can Elevate Your Sydney Lifestyle to New Heights - from Bigger Homes to Better Suburbs.

FULLY LICENSED AND ACCREDITED

20+ YEARS EXPERIENCE

SYDNEY SPECIALISTS

WE WORK WITH 40+ LENDERS

How We Work

Consultation

We start by getting to know you—your financial goals, current situation, and what you’re looking to achieve.

Loan Comparison

We compare loan options from more than 40 lenders to make sure you get the best deal possible.

Application Process

Once you’ve chosen the right loan, we handle all the paperwork and guide you through the application process step by step.

Approval & Settlement

We stay by your side throughout approval and settlement, working closely with solicitors and agents to make sure everything runs smoothly.

Consultation

Even after settlement, we keep working for you by reviewing your loan regularly, ensuring you’re always on the best possible terms.

What Our Customers Say....

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Why Choose AxJ Finance Brokers?

At AxJ Finance Brokers, we believe that everyone deserves a smooth, stress-free experience when securing a home loan. As a trusted home loan broker in Melbourne, our expert knowledge and proactive approach make the entire process simple for you.

Expert Team

Led by Jason, a highly experienced principal mortgage broker in Melbourne, our team ensures that you get the best mortgage advice and options available.

Personalised Solutions

We tailor each loan to match your specific needs, whether you’re buying your first home, refinancing, or investing.

Access to 40+ Lenders

We connect you with over 40 trusted lenders, including major banks and specialised institutions, giving you the best options available from leading finance brokers in Melbourne. effective.

Transparent Process

From initial consultation to settlement, we keep everything clear and straightforward so you always know what’s happening.

Ongoing Support

Our service doesn’t stop at settlement—we regularly review your loan to keep you on the most competitive rate.

Local Expertise

As Melbourne mortgage brokers, we understand the city’s property market and can guide you to the best options for your situation.

Some Of Our Lenders.

We collaborate with a wide selection of banks to provide you with a variety of mortgage options tailored to your unique needs. By engaging with different lenders, we ensure you have access to competitive rates and flexible terms, helping you discover the ideal home loan. Our thorough comparisons and expert guidance streamline the process, making it simpler for you to secure the best possible deal.

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Locations In Victoria.

Melbourne

Operating Hours

Mont Albert

Operating Hours