Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

5.0

from 96 Reviews

Whether it's your First Home, Next Home or Dream Home, we're on your side

Finding the right home loan can be a critical step in the journey of buying a home. At Aviser Finance, we are committed to helping clients in Melbourne, Victoria, and throughout Australia access a wide range of home loan options from banks and lenders across Australia. Whether you are a first-time buyer or looking to refinance, our goal is to provide you with the best advice and support tailored to your financial situation.

Understanding home loan options begins with knowing the types of interest rates available. Fixed interest rate home loans offer stability with consistent repayments, whereas variable home loan rates can fluctuate with the market, potentially offering savings when rates are low. Choosing between these depends on your preference for certainty or flexibility. Additionally, interest rate discounts may be available based on your credit history and other factors.

The loan amount you qualify for is influenced by various elements, including your borrowing capacity and loan to value ratio (LVR). Our team at Aviser Finance can assist in calculating home loan repayments, considering factors like income, expenses, and outstanding debts. Getting pre-approved for a home loan offers a clearer picture of what you can afford, enhancing your position in the property market. Pre-approval is a key step in the home loan application process, giving you confidence as you search for your new home.

When applying for a home loan, thorough preparation can ease the process. Essential documents include bank statements and evidence of income. A strong credit history is crucial as it impacts your borrowing capacity and the interest rate offered. We guide you through each step of the application process, ensuring your financial situation is presented optimally to lenders.

Lenders mortgage insurance (LMI) is another consideration if your deposit is less than 20 percent of the property value. This insurance protects the lender if repayments cannot be made. Understanding how LMI affects your loan and its costs is part of our comprehensive advisory service. We also provide insights into offset accounts, which can reduce the interest payable by linking your savings to your mortgage.

Stamp duty is a significant cost when buying a home in Australia. Our advisors can explain how this affects your budget and explore any concessions or exemptions you may be eligible for. Additionally, utilising home equity from an existing property could offer opportunities for further investment or renovations.

At Aviser Finance, we pride ourselves on offering a streamlined application process that simplifies the complexities of securing a home loan. We work closely with banks and lenders to ensure that you have access to competitive home loan rates and terms suited to your needs.

Choosing the right home loan can make all the difference when buying a home. Aviser Finance is here to support you every step of the way, offering expertise and personalised service. Apply for a home loan with confidence knowing our team is dedicated to finding the best options for you. Contact us today to discuss how we can help you achieve your property goals.

Our Lending Process

1. Initial Consultation
Your journey with Aviser Finance begins with a free, no-obligation chat. We take the time to understand your financial situation, goals, and dreams. Whether you're buying your first home, investing in property, or refinancing, we listen carefully to what matters most to you. This conversation helps us get a clear picture of where you are now and where you want to be.

2. Financial Assessment
We conduct a thorough review of your financial position, including your income, expenses, assets, and liabilities. This assessment helps us understand your borrowing capacity and identify the best loan options for your circumstances. We'll also review your credit history and discuss any factors that might affect your application.

3. Strategy Development
Based on our assessment, we create a tailored finance strategy that aligns with your goals. We explore different loan structures, compare interest rates, and identify features that could benefit you. Our team stays up-to-date with products from over 40 lenders, ensuring we find solutions that truly fit your needs.

4. Loan Recommendations
We present you with clear, easy-to-understand loan options. You'll receive a detailed comparison showing interest rates, fees, features, and potential savings. We explain everything in plain English, so you can make informed decisions with confidence. There's no pressure - just honest advice to help you choose what's right for you.

5. Application Preparation
Once you've selected your preferred loan, we handle all the paperwork. We'll guide you through the documentation needed and help you gather everything required. Our team carefully prepares your application to give you the best chance of approval, checking every detail before submission.

6. Lender Negotiation
We submit your application and manage all communication with the lender on your behalf. Our established relationships with banks and financial institutions often help us negotiate better rates and terms. We keep you updated throughout the process and handle any questions or additional requirements that arise.

7. Settlement Support
As you approach settlement, we coordinate with all parties to ensure everything runs smoothly. We review your loan documents, explain the final terms, and make sure you're comfortable with everything before proceeding. Even after settlement, we remain available to answer questions and assist with any future finance needs.

About Aviser Finance

Aviser Finance is a property finance brokerage based in Melbourne. We exist to help you turn your ambitions into reality. Whether you are buying your first home, growing your investment portfolio, refinancing to save money, or exploring construction and business finance, we evaluate your circumstances and recommend the best options available to you.

We do more than find the right loan. We advocate on your behalf, present your proposal to the most suitable lenders, and manage the entire process from start to finish. You receive a personalised finance plan, explained clearly in plain English, and you are kept informed every step of the way.

Even after your loan settles, we are here to answer your questions and help you make the most of your investment. We build life-long relationships with our clients, because your goals are at the centre of everything we do.

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Our Recent Reviews

My experience with Aviser was nothing but positive - I knew I was in safe and knowledgeable hands. Everything moved quickly and my loan was secured with minimal hassle. Thanks to the team for a seamless experience.

Rebecca Hyde

The team at Aviser were so helpful, they listened to our needs followed through. They were extremely organised and we really appreciated their attention to detail. Essentially, they looked after their end and left us to take care of ours. We would highly recommend them!

Liz Mascia

I can't recommend the team at Aviser highly enough. I appreciated Martin's in-depth knowledge, professionalism, and the time he took to answer questions (and I had many!) Information provided was always easy to understand and my options were made clear. In fact the whole experience from beginning to end ran smoothly and was stress free. I would use Aviser again in the future without hesitation.

Elle Watson

Without using an Aviser broker we feel we wouldn’t have secured a mortgage, as Avisor had the knowledge and expertise to negotiate in a way that we couldn’t. Thanks so much guys...will definitely use you again and recommend you to friends.

Rebecca Ackermann

Frequently Asked Questions

Can I refinance my existing home loan through Aviser Finance?

Yes, refinancing is one of the key services we provide at Aviser Finance. Whether you're looking for a lower rate, accessing equity for renovations or investment, consolidating debts or switching to a loan product with features that better suit you, we'll compare options across our lender panel. We'll also explain any costs involved, such as discharge fees from your current lender, so you can make an informed decision.

How long does the mortgage application process take?

Full approval, including property valuation, typically takes between two to four weeks on average. Timeframes vary by lender and how complex your situation is, and having your documents ready early helps keep things moving. If you're buying, getting your borrowing capacity confirmed first gives you a head start.

What does a mortgage broker do?

A mortgage broker acts as an intermediary between you and potential lenders. We assess your financial situation, understand your property goals and compare loans from our panel of lenders across Australia, including major banks, credit unions and specialist lenders. We then handle the research, paperwork and negotiations to get your loan approved.

What documents do I need to apply for a home loan?

Generally, you'll need proof of identity such as your driver's licence and Medicare card, recent payslips or tax returns, bank statements, and details of any existing debts and assets. Requirements vary by lender and loan type, and we'll give you a checklist tailored to your situation.

What areas does Aviser Finance service?

Aviser Finance proudly services clients throughout Melbourne, across Victoria, and Australia-wide. Whether you're in Sydney, Brisbane, Perth, Adelaide, or regional areas, we can help you with your finance needs. We meet local Melbourne and Victoria clients in person and work with interstate clients by phone and video, whether you're in metropolitan Melbourne or rural Queensland.

Locally, our Brighton team works with borrowers across the City of Kingston, including Aspendale, Bonbeach, Clarinda, Heatherton, Parkdale and nearby Bangholme; the City of Port Phillip, including Elwood, Ripponlea, Balaclava and Port Melbourne; and the City of Bayside, including Sandringham and surrounding suburbs.

What types of loans does Aviser Finance assist with?

We help with home loans for first home buyers, next home buyers and those upgrading. We arrange investment property loans for those building their property portfolio, as well as land purchases, construction loans and commercial property finance, SMSF loans for buying property through your super, and equipment finance for business owners. We also assist with refinancing existing loans, debt consolidation and accessing equity in your property. We work with borrowers who have less than perfect credit history, self-employed individuals, and temporary residents.

How much does it cost to use a mortgage broker?

For most clients, using a mortgage broker often doesn't cost them anything directly. Aviser Finance typically receives commission from the lender once your loan settles. For complex commercial lending or unique financial circumstances, a fee for service may apply, and we'll always explain this upfront before any work begins.

Why should I use a broker instead of going directly to my bank?

Your bank can only offer their own products. As a broker, we compare a much wider range of loan products from our panel of lenders to find a loan that suits your goals. We also save you time by managing the application process and following up with lenders on your behalf, while protecting your credit score from multiple enquiries.

Can Aviser Finance help me if I'm self-employed?

Absolutely. At Aviser Finance, we have extensive experience working with self-employed individuals. We understand that self-employed borrowers often face additional challenges when applying for a loan, and we work with business owners, contractors and freelancers to present their application in the strongest way. Depending on the lender, you may need tax returns, business financial statements and accountant letters, whether you're a sole trader, in a partnership, or run a company.

What is the difference between pre-approval and formal approval?

Pre-approval, sometimes called conditional approval, is an initial assessment by a lender of how much you may be able to borrow, subject to property valuation and final verification. Formal approval, also known as unconditional approval, is granted once the lender has assessed the property and confirmed all your details. We recommend getting pre-approval before you start seriously looking at properties in Melbourne or elsewhere in Victoria.