What our customers say about us

Thanks for all your help and for making it so easy for me. Life will be so different now.

Jan Vincent
Montrose, VICTORIA

Thank you for your time on the phone yesterday and copying me into the below email.
I just wanted to take the time to say that I have never seen such a comprehensive email provided to clients by a Broker before. Very clear and detailed.
I hope it’s ok that I hold onto your details to refer to clients who may need assistance.
Kind Regards,

Shannon Oatley
Director & Licensed Conveyancer
Property Conveyancing Group, VICTORIA

We have found Barry Le Brocq of Melbourne Mortgage Finance to be very patient, caring and diligent in achieving a successful outcome to our refinancing requirement. We have no hesitation in recommending his services to others.

Don & Christine Perrett
Leongatha, VICTORIA

Many thanks Barry for the exceptional service that you have provided. We will most certainly be recommending you to our daughter (Bank of Melbourne branch manager) for any future customers who need a reverse mortgage loan.

Paul & Barb Spark
Somerville VICTORIA






  • The Reserve Bank held the official cash rate steady in April.

  • Most lenders have kept their variable rates steady in April. Attractive variable rates below 6.5% pa are still available, especially if borrowers are wanting loans below 80% of valuation.

  • While most lenders require home loan borrowers to prove 5% genuine savings, some lenders will accept a perfect rent payment record over a period of 12 months instead. Conditions apply.

  • More lenders are now offering loans to Self Managed Super Funds to help with the purchase of residential investment property. Loans are available up to 80% of valuation with variable rates around 7.30% pa. Conditions apply and loan package details depend on the type of property and who the Property Trustee of the Fund is.

Even though interest rates and establishment fees are higher than normal, significant advantages exist regarding

  • lower tax rate on monthly rental income

  • zero capital gains tax payable on sale of property

Conditions apply and borrowers must obtain their own independent legal / taxation advice before proceeding.

  • Some lenders will accept applications from borrowers who are still on probation in a new job role, provided they can show steady employment in the same industry over the previous two year period.

  • Family Pledge loans are still available, allowing borrowers to borrow 100% of purchase price + costs. Family members, usually parents, offer their own residence as guarantee / additional security. Borrowers must show strong incomes. Guarantors are also required to meet certain conditions.

  • Fast Refinance” loans are still available from a few lenders. Existing loans are paid out within a few days of loan approval documents being signed. Conditions apply.

  • Low Doc” loans to self-employed borrowers are still popular. Loans are available up to 80% of valuation. Instead of making self-certified declarations of income, borrowers are now required to submit basic income proof:

    • BAS statements for the last 12 months

    • trading account bank statements for the last 12 months, or

    • signed Accountant’s declaration stating approximate taxable income

  • One bank will offer will offer loan funds for commercial or business purposes at normal residential rates. These funds are available up to 80% of valuation.

  • One bank still allows loan repayment servicing guarantees for borrowers who have insufficient income to qualify under normal eligibility criteria. Guarantors must satisfy certain criteria and sign guarantee documents.

  • Personal Protection Insurance is a vital part of any new loan application. Most borrowers are under-insured or have no personal insurance. Melbourne Mortgage Finance will arrange a full review of borrower insurance:

    • life insurance

    • trauma insurance e.g. cancer / stroke

    • income protection

    • landlord insurance

Barry LeBrocq
Melbourne Mortgage Finance
Patterson Lakes VIC 3197
Mob 0437417042

Disclaimer: The above information is intended as general information only and does no address specific personal situations. Lender products and policies change frequently and without notice. Please contact us to discuss your specific personal needs and eligibility.

Melbourne Mortgage Finance offers an extensive range of mortgage products and services including

Home Loans, Investment Loans, Equity Access Loans, Low Doc Loans, 100% Loans, Refinance Loans, Commercial Loans, Deposit Bonds, Reverse Mortgages, Accommodation Bonds, Vehicle Finance, Plant and Equipment Finance, Financial Planning and Business Finance.

IMMEDIATE appointment can be made to meet at your home or office

  • NO CHARGE for assisting you. We receive a standard fee from the lender you select
  • reliable service, communication and follow-up. See “Testimonials
  • accreditation with 20 national lenders, allowing you to select from an excellent range of loans
  • we carefully listen to your needs, do our research, then present you with a short-list of three potential loan solutions. You choose the lender.
  • printouts of products, fees, interest rate and loan features are provided
  • arrange for your property insurance and personal insurance requirements to be assessed
  • ongoing availability to assist you after loan settlement
  • over 30 years experience in arranging finance and mortgage loans