A mortgage broker compares home loans across a panel of lenders and manages your application through to settlement. Brokio is a mortgage broker based in Williams Landing in Melbourne’s west, working with buyers, refinancers and investors across the metropolitan area and comparing more than 40 lenders.
Based in Williams Landing, arranging home loans across Melbourne — first purchase, upgrade, investment or a loan that has not been reviewed in years.
A bank can only offer its own product, so when its policy does not fit your situation the answer is no, and you learn nothing about why. A broker compares a panel, which matters most where something is not standard: self-employed income, a recent job change, an apartment a particular lender will not touch, or a deposit partly gifted. The work is knowing which lender says yes to which situation before an application is lodged, so the enquiry on your credit file is one, not four.
Melbourne first home buyers usually have more options than they realise. The First Home Guarantee can allow a purchase with a smaller deposit and no Lenders Mortgage Insurance, subject to eligibility and price caps that change; a family guarantor can achieve something similar; and paying LMI to buy sooner is sometimes cheaper than another two years of saving in a rising market. We put the three side by side in dollars so the trade-off is visible rather than argued.
Moving up usually means the timing of a purchase and a sale have to line up, and bridging finance is what stops that becoming a forced sale. We map out the two settlements, what the loan looks like in between, and what happens if the sale takes longer than expected — because that is the scenario that actually costs people money.
How an investment loan is structured affects your tax position, your cash flow and your capacity to borrow again. Interest-only, offset placement and which property secures what are structural decisions made once and lived with for years. We set it up with the next purchase in mind, and recommend confirming the tax treatment with your accountant.
If your loan has not been reviewed in a few years, the gap between what you are paying and what is available is worth measuring. Our refinance broker page covers when switching is worth the costs and when it is not.
We are in Williams Landing and know the western suburbs best — Werribee, Point Cook, Tarneit, Truganina, Hoppers Crossing, Altona, Footscray and across Wyndham. We work across greater Melbourne and can do everything by phone, email and WhatsApp.
The borrowing power calculator gives you a starting range, the repayment calculator shows what that feels like monthly, and the buying cost calculator adds stamp duty and the rest of the upfront costs that catch people out.
Tell us your situation on WhatsApp and we will come back with what the panel says — obligation free. Full details of our home loan service are here.
For most home loans our service won’t put you out of pocket — we are paid a commission by the lender you choose, which is disclosed to you. Where a product involves a fee we tell you the amount before you commit.
More than 40, including the major banks, credit unions, non-bank and specialist lenders.
Conditional pre-approval commonly takes 1 to 3 business days once we have your documents, and usually lasts 3 to 6 months. It remains subject to the lender’s assessment.
Yes. Some lenders will work from BAS, business bank statements or an accountant’s declaration rather than two years of returns. See our low doc loans page.
We are based in Williams Landing and know the west best, but we work across greater Melbourne, and everything can be handled remotely if that suits you.
Obligation-free chat — message us now and we'll come back with clear options, usually within minutes.