Insurance

Make sure you're covered for things like fire, flood and theft

5.0

from 96 Reviews

Whether it's about protecting an asset or a loved one, we'll get you covered

Insurance plays a crucial role in safeguarding what matters most to you, whether it's your home, belongings, or rental property. At Aviser Finance, we understand the importance of being covered for a range of incidents that life may throw your way. We are committed to helping clients in Melbourne, Victoria, and across Australia find the right insurance solutions to protect their assets. Our services include Home Buildings & Contents insurance, Landlord Insurance, Renter's Contents insurance, and Single Item Insurance. With our expertise, you can feel reassured that you have the right protection in place.

One of the key areas we focus on is ensuring homeowners are adequately protected. Home Buildings & Contents insurance is designed to protect your home and belongings from incidents such as theft, vandalism, fire, storms, and accidental damage. Whether you accidentally leave a window or door unlocked or face damage to property like garages, fences, and sheds, having the right cover is essential. This type of insurance allows you to repair or replace your belongings without financial strain. We offer policies for a short term or ongoing basis and provide the option to pay for insurance monthly or annually. Our team can also assist you in making a claim online or over the phone, ensuring the process is as smooth as possible.

For landlords, safeguarding rental properties is paramount. Landlord Insurance offers protection against potential risks such as rent default, theft, and damage caused by tenants or natural disasters. Our policies are tailored to protect your rental property whether it is a long-term lease or a holiday rental. Accidental Damage cover is also available to ensure that unexpected issues do not lead to costly repairs. By choosing Aviser Finance, landlords can feel confident that their investments are secure. We understand that managing a rental property can be demanding, which is why we are here to help you compare insurance options and find the best fit for your needs.

Renters also need to ensure their personal belongings are protected. Renter's Contents insurance provides coverage for items within your rented home against incidents like theft or damage due to fire and storms. This type of insurance can include Single Item Insurance for high-value items such as laptops, tablets, and TVs. Understanding what is covered under your policy helps prevent unexpected expenses if an unfortunate event occurs. Our team at Aviser Finance is ready to guide you through the options available, ensuring you are fully aware of what your policy includes and how it can protect your valuables.

In summary, insurance is an essential part of protecting your home, rental property, and personal belongings from unforeseen events. At Aviser Finance, we strive to offer comprehensive solutions including Building Insurance and Contents Insurance to meet your specific needs. Whether you are a homeowner, landlord, or renter, our team is dedicated to providing expert advice and support. Reach out to us today to discuss how we can help you find the right insurance policy that offers peace of mind and financial security.

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.