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First home buyers
Build a clear purchase plan, understand grants and schemes, and know your realistic borrowing position.
First home buyer mortgage adviceMelbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Strategic home loan advice
Mortgage Broker Melbourne for a clearer home loan plan.
Buying, refinancing or investing? Work directly with Melbourne mortgage broker Christopher Berry to compare suitable options from 40+ lenders and navigate every step through to settlement.
18 years’ experienceNo-cost initial chatAustralia-wide support
18years of experience
40+lenders compared
389328credit representative
MFAAmember
Our lending panel
More choice. A clearer comparison.
Chris can research suitable options across a broad accredited panel spanning major banks, mutual banks, non-bank lenders and specialist finance providers.
ANZ
Commonwealth Bank
NAB
Westpac
Macquarie Bank
ING
Bank of Melbourne
Bankwest
Pepper Money
Firstmac
La Trobe Financial
Heritage Bank
View our complete lender and finance provider panel+
- AMP
- ANZ
- Aussie Bonds
- Australian Military Bank
- Auswide Bank
- Bank of China
- Bank of Melbourne
- Bank of Queensland
- BankSA
- Bankwest
- Better Choice Home Loans
- Better Mortgage Management
- Bluebay Home Loans
- Commonwealth Bank
- Connective Advance (Thinktank)
- Connective Bridge (Bridgit)
- Connective Complete (Connective)
- Connective Elevate (Bluestone)
- Connective Essentials (Advantedge)
- Connective Horizon (Brighten)
- Connective Reverse (Household Capital)
- Connective Select (Bendigo Bank)
- Connective Skip (Skip)
- Connective Solutions (Pepper Money)
- Deposit Power (Deposit Bonds)
- Firefighters Mutual Bank
- Firstmac
- Gateway Bank
- Granite Home Loans
- Health Professionals Bank
- Heritage Bank
- HomeStart Finance
- ING
- Keystart Home Loans
- La Trobe Financial
- Macquarie Bank
- ME Bank
- MyState
- NAB
- Newcastle Permanent
- ORDE Financial
- OwnHome
- P&N Bank
- Paramount Mortgage Services
- People First Bank
- Pepper Money
- RedZed
- Resimac
- St.George Bank
- Suncorp Bank
- Teachers Mutual Bank
- ubank
- UniBank
- Westpac
Panel access, accreditations and available products may change. Mortgage Broker Melbourne does not have access to every lender or product in the market. Any recommendation depends on your circumstances, eligibility and lender criteria.
Loan solutions
Advice shaped around your next move.
A rate is only one part of a good loan. The structure, features and lender policy all need to fit where you are now—and where you want to go next.
02
Refinancing
Review your current loan, compare the real cost of switching and structure repayments around your goals.
Home loan refinancing advice03
Property investors
Finance your next property with loan structures that account for cash flow, tax strategy and future plans.
Property investor loan advice04
Complex lending
Practical support for self-employed borrowers, debt consolidation and non-standard income scenarios.
Complex home loan assistanceSpecialist lending
When your situation needs a closer look.
Explore dedicated guidance for self-employed, low-deposit, guarantor, construction, bridging and debt-consolidation scenarios.
Plan with confidence
Explore our free mortgage calculators.
Estimate borrowing capacity, repayments, refinancing outcomes, buying costs and more before speaking with Chris.
A broker in your corner
Clear answers. Real strategy. No bank runaround.
Led by Christopher Berry, Mortgage Broker Melbourne brings 18 years of lending experience to every conversation. You’ll get straightforward guidance, proactive communication and a recommendation built around your needs—not a single bank’s product list.
Christopher BerryOwner & Director
Client reviews
Trusted for clear, responsive mortgage guidance.
4.9out of 5 from 52 Google reviews
Reviews were published for Find A Better Rate Home Loans, the business that operates Mortgage Broker Melbourne.
“Chris is an amazing mortgage broker. He is equipped to manage the most complex of scenarios, and worked with us through different options to find us the one that would work best for our situation and get us finance. He is also lovely to deal with and very responsive. I would highly recommend Chris and his company.”
Denise Pulis
Google review for Find A Better Rate Home Loans
“Chris Berry was extremely responsive to all our questions, helping us to understand the process. He was informative and offered data and comparisons making our decision making so much easier. Thanks again Chris.”
Chrysanthi Philippou
Google review for Find A Better Rate Home Loans
“Chris was very helpful and professional, I would highly recommend 'Find a better rate home loans!' Thank you Chris for your work and help. I will definitely contact you again for my next house too!”
Jinsik Choi
Google review for Find A Better Rate Home Loans
Local Melbourne support
A Melbourne mortgage broker you can speak with directly.
Mortgage Broker MelbourneLevel 14, 333 Collins Street
Melbourne VIC 30000477 212 840
Melbourne VIC 30000477 212 840
Melbourne’s property market brings different decisions for first home buyers, established homeowners and investors. Your borrowing position can also vary meaningfully between lenders because each applies its own policies, servicing calculations and approach to different income types.
Chris provides personal mortgage guidance from the Melbourne CBD, with appointments available by phone and video for clients throughout metropolitan Melbourne, regional Victoria and across Australia.
Rather than starting with a particular bank, the process begins with your goals, deposit, income, commitments and future plans. Chris then compares suitable options across a panel of more than 40 lenders and explains the trade-offs clearly.
How it works
From “where do I start?” to settled.
01
Understand
We talk through your goals, position and timing.
02
Compare
We research suitable options across our lender panel.
03
Apply
We package, submit and manage the application.
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Stay ahead
We support settlement and review the loan over time.
Detailed case studies
See how a clear lending strategy can take shape.
Explore representative first-home buyer, refinancing, property investment and self-employed lending scenarios.
Fees and commissions
Clear about costs from the start.
You should understand how your broker is paid before making a lending decision. Chris will explain the relevant remuneration and any cost to you in plain English.
Free and without obligation.
The initial 15-minute call is free. It is a chance to discuss your situation and decide whether a more detailed conversation would be useful.
Usually paid after settlement.
Mortgage brokers are generally paid an upfront commission by the lender selected by the client after a loan settles. A lender may also pay an ongoing trail commission.
No unexpected broker fees.
Chris will explain the commission associated with a recommendation. If a fee is payable by you for a particular service or scenario, it will be explained and documented before you agree to proceed.
Your interests come first. Mortgage brokers are required to act in their clients’ best interests when providing credit assistance. Remuneration does not change that obligation. Exact commissions, fees and lender costs relevant to a proposed loan are set out in the disclosure documents you receive.
The service promise
Clear explanations, direct access to Chris and support from the first conversation beyond settlement.
You will understand which options were considered, why a recommendation suits your circumstances and what needs to happen next. Chris remains available when your loan, goals or circumstances change.
Read our post-settlement service promiseFrequently asked questions
Questions Melbourne borrowers often ask.
These answers provide a useful starting point. Your borrowing position and suitable loan choices will depend on your individual circumstances.
Explore all mortgage broker FAQsWhat does a mortgage broker in Melbourne do?+
A mortgage broker learns about your goals and financial position, researches suitable choices across a panel of lenders, explains the differences and helps manage the application through to settlement.
Which lenders can Mortgage Broker Melbourne compare?+
Chris can compare home loan options from a panel of more than 40 lenders. The most suitable choices depend on your circumstances, the property and each lender’s current policy.
Who can Chris help?+
Chris assists first home buyers, homeowners refinancing, property investors and borrowers with more complex circumstances, including self-employed or non-standard income.
Does the first conversation cost anything?+
No. Your initial 15-minute conversation is free and carries no obligation. It is an opportunity to explain your situation and understand the most useful next step.
How is Mortgage Broker Melbourne paid?+
Mortgage brokers are generally paid an upfront commission by the selected lender after a loan settles and may receive an ongoing trail commission. Chris will explain the commission associated with a recommendation, and any fee payable by you will be disclosed and agreed before you proceed.
Can I get help outside central Melbourne?+
Yes. Chris is based at 333 Collins Street in Melbourne and assists borrowers throughout Melbourne and across Australia by phone and video.
Lending insights
Policy changes, made practical.
First home buyers6 min read
How banks calculate first home buyer borrowing power
Why your own budget and a lender’s assessment can produce very different answers—and what you can do about it.
Read articlePolicy & rates5 min read
What an RBA rate change could mean for your home loan
A practical guide to variable rates, fixed terms and the questions worth asking before you make a switch.
Read articleRefinancing7 min read
The refinance health check: five numbers to review
Rate matters, but it is not the whole story. Here are the loan details that can change the real value of refinancing.
Read articleYour next move