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






Key lending issues

  • First Home Owners Grant of $9000 still available until 30.06.2010. Conditions apply.
  • several lenders now offering discounted interest rates for loans below 75% of price.
  • non-bank lenders offering very attractive loan packages.
  • RAMS home loan products no longer available to mortgage brokers.
  • Westpac reduce maximum loan to 87% of price for new customers
  • all lenders insisting on high quality of loan application and clean credit history
  • 100% loans available using “parental guarantee” option


The following table shows some of the variable rates currently available for a $300,000 loan. 12 month “honeymoon” rate products excluded. Lenders’ maximum loan-to-valuation ratios (LVRs) and current 3 year fixed rates are also shown.

Variable %
max %
3 Year
Fixed %
PLAN Lending Performance Plus<65% 5.95 65 7.55
Homeside/nab Homeplus <75% 5.97 75 7.49
Homeside/nab Homeplus 75-90% 6.07 90 7.49
AFM Secure Option 6.09 95 6.99
Homeloans Limited Premium Saver 6.09 90+LMI 7.16
ING Simplifier Smartpack 6.13 90+LMI 7.59
The Rock B Soc Rock Star 6.14 90 6.99
Suncorp Back to Basics Special 6.16 90 7.59
Homeside/nab Homeplus>90% 6.17 95 7.49
CBA Ratesaver 3 yr Special 6.18 90+LMI 7.74
ING Simplifier 6.19 90+LMI 7.59
ANZ Breakfree 6.21 90 7.69
ANZ Simplicity Plus 6.21 90 7.69
St George Advantage 6.23 90+LMI 7.54
Police & Nurses C U Dream Home Loan 6.24 95+LMI 7.59
Adelaide Bank Variable Smartfit 6.24 90+LMI 6.99
St George Basic 6.26 90+LMI 7.69
Westpac Flexi First 6.31 87 7.79
Westpac Premier Rocket 6.31 87 7.59
CBA MAV Standard 6.36 90+LMI 7.59
Suncorp Back to Basics 6.46 95+LMI 7.79

:All lenders have specific lending criteria which must be satisfied prior to loan approval

:Lenders may have different interest rates for larger loan amounts

:+LMI indicates lenders who will generally add the “once only” lender’s mortgage insurance premium to the basic loan amount

:Westpac, St George and CBA will lend 95%+LMI (up to 97% max.) ONLY to their own customers who have held required accounts for a minimum of 6 months


  • 100% loans (plus costs) can be arranged for FIRST HOME BUYERS using the “parental guarantee” facility which several banks offer.
  • 100% loans (plus costs) are available for INVESTORS who have satisfactory equity in another property or who can use a “parental guarantee” facility, subject to meeting other bank criteria
  • instead of paying a 10% deposit, eligible buyers can use a DEPOSIT BOND / AUCTION GUARANTEE when purchasing, subject to acceptance by the vendor.
  • “Rapid Refinance” products are offered by numerous banks. Instead of waiting weeks to refinance your current loan, it may only take a few days from the time you sign loan documents. Conditions apply.
  • Several banks still offer “low doc” loans up to 60% of purchase price without the need for BAS statements or tax returns. One non-bank lender will go to 80% of purchase price. Conditions apply.
  • We can arrange for all your insurance quotes, including
    . house & contents
    . life insurance
    . trauma / disability insurance
    . income protection
  • Different lenders will approve different loan amounts in any given situation. Loan amounts may vary considerably from $300,000 up to $370,000 from one lender to another. We can advise which lenders will maximise your borrowing potential where this is a key requirement.

Contact Melbourne Mortgage Finance for assistance with a new loan application. There is NO CHARGE for arranging loan approval for you.

Barry LeBrocq

Melbourne Mortgage Finance
Mob 0437417042
Web www.mmfinance.com.au

Disclaimer : The above information is intended as general information only and it is not intended to address specific personal situations. Every effort has been made to ensure that content is accurate, however lenders are constantly changing their products and interest rates. Potential borrowers can contact Melbourne Mortgage Finance to discuss their specific financial needs and loan 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