AlphaLoan

We provide mortgage and finance broking from Chadstone in Melbourne, assisting people with first-home buying, investment properties, refinancing, construction and commercial lending. We begin by understanding income, current debts, the purpose of borrowing and the timing of the proposed transaction. We explain lender policies, repayment structures and loan features so clients can compare options and understand their ongoing commitments before making a decision.

Mortgage adviser Graeme Vimpani works with clients on home loans, investments and refinancing, explaining lender options and application requirements. We help clients collect financial records, prepare supporting documents and understand how lenders consider borrowing capacity. First-home buyers may need assistance with deposits, pre-approval, income evidence and the steps towards settlement. Families moving between properties can also discuss an existing mortgage alongside the intended new purchase.

Property investors need to consider existing equity, rental income assumptions, other debts and the ongoing cost of holding property. We explain how investment loan structures and supporting documents may differ from an owner-occupied mortgage. Self-employed borrowers may need business records or alternative evidence of income, depending on the lender's credit policy. We work with a client's qualified advisers where specialist legal or tax questions arise.