Melbourne home loans
Buy, upgrade, or refinance with a broker who knows Melbourne.
Aussie Dream Loans guides Melbourne home buyers, investors, and refinancers with tailored structures and sharp lender negotiations. From pre-approval through settlement we keep the process simple, strategic, and stress-free.
First-home buyers
Understand grants, lender policy, and borrowing power so you can move fast on the right property.
Refinancing
Annual rate reviews ensure your loan keeps pace with the market and puts money back in your pocket.
Melbourne home loan strategies that work
We look beyond rates to design lending solutions that support your long-term plans. Every application receives a detailed structure review, risk assessment, and future-state roadmap.
Borrowing capacity modelling
Understand your borrowing power across multiple lenders, including how different deposit sizes, debts, and incomes impact the outcome.
Loan structure optimisation
Blend offset accounts, multiple splits, and fixed/variable strategies to lower interest and give you flexibility as the market shifts.
Settlement support
We liaise with conveyancers, agents, and lenders to keep your contract on track and provide clear milestone updates.
Our 5-step Melbourne home loan process
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Step 1
Discovery call
Understand your goals, timeline, and budget so we can map strategic options.
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Step 2
Document review
We complete a borrowing capacity analysis and shortlist lenders that suit your scenario.
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Step 3
Loan structuring workshop
Agree on loan splits, features, and rate strategy tailored to first-home, refinance, or investment goals.
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Step 4
Submission & negotiation
We manage the application, respond to lender queries, and negotiate sharp rates.
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Step 5
Settlement & ongoing reviews
Support through settlement plus annual reviews so your loan keeps performing.
4.9★
Client satisfaction
What clients say
“Swati helped us leverage guarantor support, secure a sharp rate, and settle ahead of schedule. The updates were proactive and clear.”
Arjun & Priya – Preston first-home buyers
Home loan FAQs
Answers to the questions Melbourne buyers and investors ask us every week.
How much deposit do I need for a Melbourne home? +
Most lenders prefer a 10–20% deposit, however first-home buyer schemes and guarantor options can reduce the upfront contribution. We map scenarios to show LMI costs, monthly repayments, and alternative pathways.
Should I fix or stay variable? +
It depends on your risk appetite, plans for extra repayments, and the current rate outlook. We often recommend split loans to balance certainty with flexibility, accompanied by a review calendar.
What paperwork do lenders need? +
Expect ID, income verification (PAYG slips or business financials), liabilities statements, and evidence of savings. We provide a secure upload link and ensure the file meets lender policy before submission.
Start your Melbourne home loan plan
Share your goals and we’ll respond with tailored lender options, rate expectations, and next steps within one business day.
Phone
0410 974 393Service area
Melbourne & Greater Victoria
From Geelong to Mornington Peninsula