Mortgage Brokers in Victoria
Find registered mortgage brokers in Victoria. All listings verified against the ASIC Credit Licensee Register.
From fact-find to settlement
The mortgage broker process in Victoria starts with a fact-find — income, expenses, deposit and goals — followed by a credit check and pre-approval lodgement. Brokers can compare residential, investment, construction and commercial products across their panel, but they must explain why a particular product is in your best interests under ASIC RG209. If approved, settlement coordination, valuation booking and insurance referrals all run through the broker. Trail commissions only apply if the loan stays on book. Disputes about broker conduct are handled by AFCA, free for consumers.
- Melbourne192
- South Melbourne28
- Docklands19
- Hawthorn16
- South Yarra16
- Box Hill14
- Richmond14
- Bundoora14
- Hawthorn East12
- Bendigo11
- Waverley10
- Collingwood9
- Mulgrave9
- Brighton9
- Essendon8
- Geelong8
- Carlton8
- Point Cook8
- Preston8
- Doncaster East8
- Mount Waverley7
- Cheltenham7
- Clayton7
- Mount Eliza7
- Malvern7
- Camberwell6
- Cremorne6
- Caulfield North6
- Ringwood6
- North Melbourne6
- Blackburn6
- Pakenham6
- Rowville6
- Mitcham6
- Templestowe6
- Toorak6
- Truganina6
- Dandenong5
- Coburg5
- Wheelers Hill5
- Malvern East5
- Balwyn5
- Kew5
- Balwyn North5
- Moorabbin5
- Southbank5
- Williams Landing5
- Wodonga4
- Carnegie4
- Dingley Village4
- Niddrie4
- Sandringham4
- Brunswick4
- Parkdale4
- Caulfield South4
- Ballarat North4
- Bentleigh East4
- Northcote4
- Hoppers Crossing4
- Iris4
- Armadale4
- Beaumaris4
- Bentleigh3
- Yarrawonga3
- Surrey Hills3
- Carlton North3
- Lalor3
- Parkville3
- Thornbury3
- Avondale Heights3
- Doreen3
- Chelsea3
- Mildura3
- Heidelberg Heights3
- Elsternwick3
- Albans3
- Strathmore3
- Kealba3
- Kilda3
- Cranbourne West3
- Heidelberg3
- Keilor Park3
- Notting Hill3
- Caulfield3
- Berwick3
- Altona3
- Mornington3
- Forest Hill3
- Keilor East3
- Brighton East3
- Gisborne3
- South3
- Derrimut3
- Croydon North3
- Mount Martha3
- Footscray3
- Ballarat Central2
- Wangaratta2
- Shepparton2
- West Melbourne2
- Ballarat2
- Narre Warren2
- Endeavour Hills2
- Echuca2
- Mill Park2
- Kilda East2
- Balaclava2
- Donvale2
- Greenvale2
- Scoresby2
- Templestowe Lower2
- Kilmore2
- Torquay2
- Fitzroy North2
- Cranbourne2
- Queenscliff2
- Chelsea Heights2
- Coronet Bay2
- Chadstone2
- East Melbourne2
- Highett2
- Ashburton2
- Croydon2
- Lyndhurst2
- Springvale2
- Lysterfield2
- Sandhurst2
- Frankston2
- Essendon North2
- Traralgon2
- Hampton Park2
- Adelaide Lead2
- Keysborough2
- Leopold2
- Highton2
- Hampton2
- Sunbury2
- Mordialloc2
- Taylors Lakes2
- Albert Park2
- Epping2
- Moonee Ponds2
- Moolap2
- Yarraville2
- Brunswick East2
- Taylors Hill2
- Greensborough2
- Langwarrin2
- Eltham2
- Dandenong South2
- Newtown2
- Nunawading2
- Craigieburn2
- Ormond2
- Oakleigh2
- Sunshine2
- Doncaster2
- Officer2
- Carlton South2
- Pascoe Vale2
- Frankston South2
- Vermont South2
- Wantirna2
- Hughesdale2
- Wantirna South2
- Briar Hill2
- Altona North2
- Glenroy2
- Cairnlea2
Frequently asked questions
How are mortgage brokers paid?
Mortgage brokers in Victoria are paid commission by the lender, not by you directly. Upfront commission is typically 0.5–0.7% of the loan amount; trail commission is around 0.15% per year while the loan stays active. Both must be disclosed in writing before you sign anything.
What is the Best Interests Duty for mortgage brokers?
Since 2021 mortgage brokers have a legal Best Interests Duty under the National Consumer Credit Protection Act. They must place your interests above their own when recommending a loan — this includes considering loan suitability, total cost over the life of the loan, and any conflicts of interest from commission structures.
Do brokers charge fees on top of lender commissions?
Most residential mortgage brokers in Victoria do not charge clients directly — they are paid by the lender. Commercial loans, complex restructures or specialist lending can attract a broker fee, which must be disclosed in writing in the Credit Guide and Credit Quote before any work begins.
What if I'm declined for a loan through a broker?
If a lender declines your application, your broker can submit to a different lender on their panel — credit checks done within a short window typically do not compound. If multiple declines occur the broker should explain why; complaints about broker conduct go to AFCA, free for consumers.