The Mortgage Centre

We provide mortgage and finance broking from Collins Street in Melbourne. Our clients include first-home buyers, households moving property, investors and business owners. We start by discussing income, existing debts and the purpose of borrowing. We then compare lending structures, relevant product features and the documents different lenders may need, so clients can understand the practical consequences of their choices.

Advisers Philip Robertson and John Ioannou help clients prepare financial information and progress credit applications. For first-home buyers, we discuss deposits, borrowing capacity, pre-approval and settlement. Families purchasing another home can review their existing mortgage alongside the new facility. We also explain fixed and variable loan features, repayment arrangements and common account functions.

Property investment lending can involve equity in existing homes, expected rental income, other credit commitments and holding costs. We discuss the terms and documentation for investment mortgages. Refinancing clients can review their existing loan features, repayment flexibility, term and potential switching costs. A different lender may require a fresh assessment, so the proposed change should be considered in the client's broader financial plans.

Our wider work includes commercial property, business finance and loans for vehicles or other assets.