.png)
Welcome to My Broker Mel
Your Trusted Mortgage Partner
At My Broker Mel, we are dedicated to providing personalised mortgage solutions tailored to your needs. We understand that every individual's financial situation is unique, and we strive to make your lending experience easy and fruitful. Let us help you achieve your financial goals.
Melissa Fairleigh - Mortgage Broker/Director
"I’m here to help you navigate your financial journey with an attitude of thinking outside the box, and a focus on what matters most to you. I value strong relationships and am actively involved as a volunteer in my local community. I'm committed to finding the right mortgage solution that supports your success and makes the process as smooth as possible."
Mel is supported by award winning My Local Broker under Australian Credit License #481374, is professionally qualified and a member of the FBAA and AFCA.
.jpg)
Empowering Your Financial Journey
As your mortgage partner, we go beyond just finding the right loan. We are passionate about empowering you with knowledge and resources to make informed decisions about your finances.
Whether you are a first home buyer, building an investment property portfolio or downsizing to access equity, we can help find a solution that will best fit your goals.
We can access lenders that support low doc loans, self employed buyers, those with challenging credit history and low deposit loans.
Services
Our professional services are extensive. If you have questions, please contact us.
First Home Buyer
We can help first home buyers navigate the often daunting process of securing a home loan, ensuring you're informed about the process every step of the way. We also assist in leveraging First Home Buyer’s schemes and grants, such as the First Home Owner Grant and the First Home Loan Deposit Scheme, to make your dream home more affordable.
Construction & Bridging Loans
Planning on a new build? Or need to cover a period between buying your newest home and selling the old one? We can help find a solution.
Refinance
Our refinancing service helps homeowners assess their current mortgage and find more competitive interest rates, potentially saving them thousands over the life of the loan. We work with a range of lenders to ensure you secure the most favorable terms and help you restructure your loan to suit your financial goals.
Equity Release
Our equity release service allows homeowners to unlock the value of their property to fund home renovations or invest in additional real estate. By tapping into your home's equity, we help you access the necessary funds while ensuring you get the best possible loan options to meet your investment goals.
We can help to navigate the purchase process for an investment property through your SMSF.
FAQ's
What does the process involve?
We use a safe and secure online tool for collecting information with a focus on digital and ease of use. We can meet face to face or by phone or online meeting first to get an understanding of your goals and situation. Usually within 48 hours of receiving all required documents from you, we'll have completed a market comparison to provide you with 3 lender/product options and can run through this together. From here, we can submit the loan application. The whole process can take between 2 weeks for a fast refinance to 6-8 weeks for more complex scenarios.
How many lenders do you have access to?
We have access to a variety of products across a panel of 35+ lenders. Many lenders specialize in products that support borrowers in unique circumstances so we can find the best fit for your needs.
I don't have much deposit. What are my options?
There are lenders who provide products which require as little as 2.5% deposit. It is always a good idea to engage with us well in advance of your planned purchase so we can give guidance on activities and behaviors that can help or hinder a loan application when you're ready to hit the GO button! Don't forget, we can help you apply for the most up to date government schemes and grants to help lower the overall cost of your loan too.
How many product options will I be provided?
As a standard, we will provide 3 options with more available where it makes sense or at your request. We'll provide you with a product comparison sheet which breaks down all the details including the total cost of the loan over the term chosen and we'll talk through the details to help answer questions you may have.
Do you charge a fee?
As a mortgage broker, the services we provide are at no direct cost to you. We are paid by the lender that you choose to provide your finance and we will always disclose in writing how much we are being paid for our services on your behalf.