Home Loans in Melbourne
Get to know Melbourne Home Loans Financial today!
Key topics
Key topics
Our Team
Key topics
Eric Antoniou
Head Broker / Director
Regina Doller
Credit Officer (Home Loans)
Kate Bolina
Personal Loans & Auto Loans
George Gonzales
Credit Officer
Krista Bautista
Loan Administrator
About Us Your Trusted Home Loans Melbourne Experts
Welcome to Melbourne Home Loans Financial your local specialists in home loans Melbourne. We are dedicated mortgage professionals committed to helping you navigate the home loan landscape with confidence, clarity and success.
Whether you’re buying your first home in Melbourne, upgrading to your next property, refinancing existing finance, or exploring investment financing, our team has the expertise and lender access to find the right solution for your goals.
Why Choose Us For Your Home Loan in Melbourne?
Local Home Loan Expertise
Our brokers understand the Melbourne and Victorian lending landscape better than most. We keep up-to-date with market changes and lending policies so we can give you accurate, practical advice.
More Options, Better Rates
Unlike single-lender lenders, we compare hundreds of home loan products from a wide range of banks and non-bank lenders. This helps you secure competitive rates and loan features that suit your property goals.
Mortgage Brokering Without the Hassle
We handle the paperwork, lender communication, and application process for you. Our goal is to remove the stress from securing a home loan guiding you step by step to settlement.
Support Through the Entire Home Loan Journey
From pre-approval and loan structuring to settlement and future refinances, we’re with you every step of the way.
Our Services
Here’s how we help Melbourne homebuyers and property owners:
- First Home Buyer Loans
- Refinancing & Rate Reviews
- Loan Comparison & Lender Selection
- Construction & Renovation Loan Advice
- Investment Property Finance
- Pre-Approval Guidance
- Ongoing Loan Health Checks
Professional Memberships:
As both a member of the Finance Brokers Association of Australia (FBAA) and Australian Financial Complaints Authority (AFCA), we are bound to uphold the highest level of standards when providing finance solutions to customers. Members must meet strict experience, education, ongoing training and insurance requirements in order for them to renew their membership each year.
Member of FBAA
* Finance Brokers Association of Australia
* M-343406
Member of Australian Financial Complaints Authority (AFCA)
* Member Number 68656
Credit Representative Number (ASIC)
* Eric Antoniou – 513050
* Company Melbourne Home Loans Financial – 513051
Head Credit License – Finsure & Insurance Credit Licence
Finsure Finance and Insurance Pty Ltd. ABN 72 068 153 926. Australian Credit Licence Number 384704
LinkedIn Profile – Professional Social Media
* https://www.linkedin.com/in/ericantoniou1/
Why Choose Melbourne Home Loans Financial as your Lending Expert?
We have 45 accredited Lenders on our panel to choose from
Our Brokers have previously worked as Credit Officers in some of Australia’s MAJOR banks and understand what is needed the first time
Melbourne Based we understand how the market works in Victoria
Fully Accredited with FBAA & AFCA
We appreciate your support and have a client referral program – get in touch today to learn more!
owners
Eric was very friendly and responsive and did a perfect job refinancing our home.
— Sidhra jani.
owners
I would like to write this review in details to give others the opportunity of using the professional service Eric Antoniou at Break Free Home Loans provides. Being a detailed and highly organised individual I had picked 3 mortgage brokers and thought I give them a call and the conversation I am going to have with them over the phone will determine which one I choose.
— Dianna agius
owners
Eric delivered great quality service throughout lockdown, was proactive and efficient. Highly recommend Break Free Home Loans for first home buyers who are unsure as Eric explained everything at every step of the way perfectly.
— Jordan Matoe
owners
It was a breeze dealing with Eric for my loans. He is very professional and knowledgeable. Found me right solution and have taken care of all my needs. I would highly recommend anyone looking to do their finances speak to Eric.
— NK
owners
Eric has listened to our goals and interests with what’s currently on offer with loans and rates. He gave us options and knows what’s important to us and assisted us very well when we finally made our decision.
— Rachael Law.
FREQUENTLY ASKED QUESTIONS
What is a home loan in Melbourne?
A home loan is a financial product that allows you to borrow money to purchase residential property in Melbourne or Victoria. Most home loans are repaid over time with interest, and can be structured to suit your financial goals.
Why use a mortgage broker for home loans in Melbourne?
Mortgage brokers provide personalised advice, access to a wide panel of lenders, and support throughout the loan process. We manage paperwork, help compare options you may never find on your own, and aim to secure competitive interest rates and features tailored to your needs.
Do I pay fees to use your service?
In most cases, using a mortgage broker to secure a home loan in Melbourne doesn’t cost you up front. Many lenders pay brokers a commission once the loan settles, meaning our services can be free for borrowers.
How do you find the best home loan for me?
We assess your financial profile, borrowing goals, and loan preferences. Then we compare multiple lenders and products including fixed, variable, and split rate options to find the best match for your situation.
Can you get a better interest rate with a mortgage broker?
Often, yes. Brokers have ongoing relationships with lenders and access to a range of loan products not always visible to the general public. This can help you secure better rates and loan features.
How long does it take to get approved for a home loan?
Approval times vary between lenders. Typically, once all documentation is submitted and lender checks are completed, conditional approval can be achieved in a matter of days, with formal approval following shortly after. We guide you to ensure every step is as fast and smooth as possible.
What documents will I need?
Most lenders will ask for:
- Proof of income (payslips, tax returns)
- Bank statements
- Details of your assets and liabilities
- Identification documentation
Providing accurate and complete documentation upfront helps speed up your home loan approval process.
Ready to Talk About Your Home Loan in Melbourne?
Let’s take the stress out of securing your finance and get you one step closer to your property goals.
Contact our expert team today for a free, no-obligation consultation.
Contact our team
We love to hear from each and every one of you. Please feel free to reach out to us today!