• Open 7 Days: 9:00am - 9:00pm
Talk to a broker

12,500+ Happy Clients Trust Us for Financial Success

Mortgage Broker in Victoria Home Loans & Finance, 100% Free

Finding the right mortgage broker in Victoria shouldn’t cost you a cent, and with Selectabroker, it doesn’t.

Get a free advice today

Certificed Members

We connect Victorians across Melbourne and regional VIC with specialist brokers who compare 50+ lenders, manage the full application, and handle everything through to settlement. With 13 years of experience and a free service backed by lender commissions, we help first home buyers, investors, refinancers, and rural borrowers find loans that fit.

Talk to a Victorian mortgage broker today 

  • MFAA Member
  • FBAA Approved
  • 50+ Lenders
  • 100% Free
  • Open 7 Days

Call 1300 510 045

Your Specialist Mortgage Broker Across Victoria

Whether you’re buying your first home in a Melbourne suburb, refinancing a farm in the Goulburn Valley, or looking at an investment property in Geelong, Selectabroker matches you with the right specialist broker for your situation.

As a finance broker in Victoria, we help:

  • First home buyers navigate grants, stamp duty concessions, and low-deposit options
  • Self-employed and business owners present income correctly to the right lenders
  • Property investors structure investment property loans for maximum flexibility
  • Refinancers access equity or reduce their rate without the bank run-around
  • Regional and rural Victorians find lenders comfortable with non-standard income and rural security

 

The service is 100% free to you. Lenders pay brokers upfront and trail commissions when your loan settles – any commissions are disclosed upfront, and our matching service costs nothing.

As a mortgage broker VIC borrowers across the state rely on, we operate entirely by phone and online with no office visit required, anywhere in Victoria.

Home Loan and Finance Services for Victorians

From home loans to rural and commercial finance, here’s how we help Victorians across the state.

Home Loans

Buying, upgrading, or building in Victoria? We compare variable, fixed, and split rate home loans across 50+ lenders, including offset accounts, redraw facilities, and features that reduce your total interest cost over the life of the loan.

Victoria’s First Home Owner Grant ($10,000 for eligible new home purchases) and stamp duty concessions can make a significant difference to your deposit position. We help you understand what you qualify for and match you with lenders who actively support first home buyer loans.

If your loan hasn’t been reviewed in the past 12–24 months, there’s a reasonable chance the market has moved around you. We compare your options across the lender panel, model switching costs, and handle the discharge and settlement process with refinancing options.

Growing a property portfolio in Victoria requires lenders who understand how rental income, existing debt, and portfolio structure affect serviceability. We compare investment property loans across lenders who actively write investor applications.

Business owners and commercial property buyers in Victoria have different lending needs from residential borrowers. We connect you with brokers who compare commercial finance options across lenders suited to your industry, income structure, and security type.

Regional Victoria runs on agriculture, and rural borrowers face lender policies that standard residential brokers often don’t understand. We specialise in rural finance for farm purchases, equipment, agribusiness, and rural-residential properties, matching borrowers with lenders with an appetite for this type of security.

Serving Regional and Rural Victoria

Selectabroker is a regional Victorian-based brokerage, and serving borrowers outside Melbourne is a core part of what we do.

Regional mortgage brokers need to understand the lending landscape beyond the city, and we do. Here’s what that looks like across the state:

  • Bendigo and Central Victoria: Growing city borrowers, first home buyers, and small business owners who need lenders comfortable with regional property and non-metropolitan postcodes.
  • Ballarat: One of Victoria’s most active regional property markets. First home buyers and investors here benefit from lenders who are actively competitive in regional pricing.
  • Geelong and the Surf Coast: A commuter belt with Melbourne-level prices in some pockets. We match sea-change buyers and investors with lenders suited to premium coastal security.
  • Shepparton and the Goulburn Valley: Dairy, horticulture, and food processing are the economic backbone here. Seasonal and farm income requires lenders who assess agricultural earnings correctly, not those who apply metro PAYG assumptions.
  • Gippsland: From Warragul and Drouin to Bairnsdale and the Gippsland Lakes, this region covers dairy country, timber, and lifestyle properties. Each town has its own lending dynamic, and our matched brokers know them.
  • Macedon Ranges: Lifestyle and acreage buyers, often relocating from Melbourne. Rural-residential security and non-standard income structures require specific lender knowledge.
  • Wimmera and the Murray-Mallee: Cropping and grazing country, including Swan Hill, Horsham, and Mildura. Rural income is assessed on sustainable averages, matched to lenders with real agricultural appetite.

Victorian First Home Buyer Grants and Stamp Duty, and How They Affect Your Loan

Victoria’s first home buyer support directly affects how much you need at settlement, which means it affects your deposit strategy, loan size, and which lender options are available to you. 

The Victorian First Home Owner Grant provides $10,000 for eligible buyers purchasing or building a new or never-occupied home valued up to $750,000. It’s paid on top of your deposit and can meaningfully reduce the gap between your savings and the required deposit amount.

The First Home Buyer Duty Exemption removes stamp duty entirely on homes valued up to $600,000, with a concessional rate applying to homes between $600,001 and $750,000. At Melbourne and regional property prices, this saving can run to tens of thousands.

These figures are subject to change. Always verify current eligibility and thresholds at the State Revenue Office VIC before signing any contract. Use Selectabroker’s stamp duty and FHOG calculators to model your position before your first conversation, or get matched with a home loan broker in Victoria who can help you map out the path forward.

Why Choose Selectabroker to Find Your Mortgage Broker in Victoria

100% Free to You

Lenders pay our brokers upfront and trail commissions when your loan settles. The service costs you nothing. Any commissions are disclosed before you proceed, and any direct broker fees are confirmed in writing upfront.

We Get Approvals When Banks Say No

Not every application fits a mainstream bank’s criteria. Self-employed income, regional property, non-standard security, or a complicated credit history can all result in a bank decline, but the right non-bank or specialist lender may still approve the same application. Our 50+ lender panel includes lenders that work only through the broker channel, not directly with the public.

Fully Remote Approach

Every step from initial consultation through to settlement is handled by phone and online. You don’t need to travel to a broker’s office, sit in a waiting room, or work around business hours. We’re open 7 days a week and handle Victorian borrowers from Mildura to Mallacoota the same way.

How It Works

Step 1: Tell us your situation

A short conversation about what you’re trying to achieve, whether that’s buying, refinancing, investing, building, or something more specific. No paperwork required upfront, no commitment.

Your matched broker assesses your income, deposit or equity, property type, and goals, then compares options from a lender panel that includes majors, non-banks, and specialist lenders to find a fit that matches your needs.

Documentation, lender communication, valuation coordination, and application submission are all handled on your behalf. You’re kept updated at every stage without having to chase anyone.

Your broker coordinates settlement and stays in touch after the loan is live. When your fixed term expires, the market shifts, or your situation changes, we’re there for the review and can help with next steps.

Just a few of our happy customers

Trusted by 1000's of Australians

When we found you guys we thought we had no hope. 3 Banks said no, and you were able find the right home for us. How you guys work for free amazes us

David & Clare

Castlemaine, Vic

The extensive documentation required seemed daunting, but Select a Mortgage Broker helped me organise everything efficiently. The process was smooth and stress-free

Mia

Surry Hills, NSW

Being self-employed, I was concerned about proving stable income, but Select a Mortgage Broker worked with me to find the best loan option. Their dedication finding me the right loan was exceptional! Highly recommend.

Jimmy K.

Busselton, WA

Mortgage Brokers in Victoria FAQs

Do I need a local mortgage broker in Victoria?

No, and this is one of the most common misconceptions. A mortgage broker in Victoria working remotely accesses the same lenders, products, and rates as a broker in your suburb. Selectabroker handles everything by phone and online, serving borrowers from Melbourne’s inner suburbs to regional towns across the state. The quality of the broker matters far more than their postcode.

Nothing to you. A VIC mortgage broker through Selectabroker is 100% free for borrowers, since lenders pay upfront and trail commissions when your loan settles. Any commissions must be disclosed before you proceed, and any direct broker fees must be communicated in writing upfront. The matching service costs nothing.

Yes, this is one of our specialties. Our 50+ lender panel includes non-bank and specialist lenders who assess applications differently from major banks. If you’ve been declined for income type, property location, or credit history, a matched broker identifies which lenders are most likely to approve your specific situation.

The Victorian First Home Owner Grant is currently $10,000 for eligible buyers of new or never-occupied homes up to $750,000. The First Home Buyer Duty Exemption removes stamp duty on homes up to $600,000, with a concession to $750,000. These figures are subject to change, so verify current eligibility and thresholds at the State Revenue Office VIC before signing. A home loan broker in Victoria maps out exactly what you qualify for.

Yes. As a regional Victorian-based brokerage, we understand the specific lending challenges that come with rural income, agricultural property, and regional postcodes. 

Whether you’re in the Goulburn Valley, Gippsland, the Wimmera, or anywhere else in VIC, a finance broker in Victoria matched through Selectabroker knows which lenders have an appetite for your type of application.

Not sure which loan type is right for you?

Connect with Craig and he can guide you through the various  loans and help you work out which is going to be the best fit. 

Talk to Craig

Talk to a Victorian Mortgage Broker Today

Call 1300 510 045 or fill in the contact form, and our team will be in touch. No office visit required. We handle everything from wherever you are in Victoria.