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






  • Variable mortgage lending rates have continued to fall. Several lenders are now offering loans below 6% pa. 3 year fixed rates are available at similar rate. The gap between variable and fixed rates has now disappeared.
  • Some lenders have eased their eligibility criteria, particularly in the area of income assessment.
    For example
    • single tax return instead of two years tax returns for self-employed borrowers
    • shorter period of employment for acceptance of income from casual employment
    • commission income now accepted using current Year to Date earnings on payslips not two tax returns
    • reduction in probationary employment from 6 months to 3 months
  • Melbourne Mortgage Finance can arrange a “pre-approval” for eligible borrowers prior to the purchase of owner-occupied or investment property. This is strongly recommended where auctions are involved or where eligibility is marginal.
  • After 30.06.2012, the First Home Owners Grant in Victoria will be $7,000 for everyone whether the property is established or newly-built. To assist people who are buying House &Land package deals, several lenders are willing to advance the $7,000 Grant at land settlement stage to help cover stamp duty payments. Other lenders will only advance the Grant at slab/foundation stage. This delay can cause a shortage of funds at land settlement
  • Loans to Self- Managed Superannuation Funds (for the purchase/refinance of investment property) are now readily available from many lenders. The Fund and the associated Trust Deed must be set up in legally correct format and be acceptable to the lender. Significant taxation advantages exist regarding tax on rental income and capital gains tax upon sale of the investment property. Independent legal and taxation advice is essential and evidence of this advice is required by most lenders. Loan establishment costs vary widely from $1,200 to $4,000 depending on the lender.
  • 100% finance for purchases up to $400,000 is available from one lender who can approve a 95% loan plus a secured $20,000 credit card limit (at normal home loan rates) in addition to the $7,000 FHOG. Borrowers must show 5% genuine savings and demonstrate strong repayment capability on total borrowings.
  • “Low doc” loans are available at very attractive variable interest rates from 6.14% (loans to 60% of valuation) to 6.34% (loans 60-80% of valuation). Conditions apply, including basic proof of income, such as:
    • 12 months BAS statements from ATO
    • 6 months bank trading statements
    • Letter signed by Accountant stating annual income

      “Low doc” loans are no longer available on the basis of self-certified statements of taxable income from just the borrower. Independent supporting documentation must now be supplied.

  • Melbourne Mortgage Finance can now arrange Commercial Loans for the following purposes:
    • purchase or refinance of suitable commercial property from just 6.93% pa variable or 5.99% fixed 2 years
    • other business finance requirements

      Lender eligibility conditions apply, including type of security property and loan purpose.

  • Reverse mortgage finance for seniors over 65 is readily available from several lenders with normal residential property as security. Reverse mortgage loans can be used for refinance of existing loans or for the purchase of suitable residential property.

Barry LeBrocq
Melbourne Mortgage Finance
Patterson Lakes VIC 3197
Mob 0437417042

Disclaimer: The above information is intended as general information only and does not address specific personalsituations. Lenders products, fees and policies change without notice. Please contact us to discuss your specific personal borrowing requirements.

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