What If We Finance Mortgage Broker Melbourne

If you are after a professional broker who knows their stuff, gets things done and can get you a great deal then these guys are for you. From our very first interaction service has been quick, professional and most of all transparent. They saved us a fair bit of money and help us buy an investment property. We were referred to What If We Finance buy a friend and all I can say is try them you will not be disappointed.

We had such a great experience working with Spiro and Jaan!

From day one, he was incredibly helpful, responsive, and genuinely supportive. He always made time for us — even answering calls while he was overseas! Nothing was ever too much trouble, and he explained everything clearly so we felt confident at every step.

Buying a home can be stressful, but they made the whole process smooth and actually enjoyable. We’re so grateful for his dedication and couldn’t recommend him more highly. 10/10!

I recently used Spiro for my refinance and couldn’t be happier with the result. He made the entire process simple and stress free, clearly explaining all my options and guiding me through each step. His communication was excellent, always responsive and proactive, and he worked hard to secure a very competitive rate that has significantly improved my financial position. Spiro is professional, knowledgeable, and genuinely committed to getting the best outcome. I highly recommend him to anyone looking to refinance.

I can’t recommend What If We Finance highly enough. I worked with Spiro and Jaan on what I was told would be a pretty tricky loan application. I expected the process to be stressful and complicated. Instead, Spiro and Jaan made everything unbelievably smooth.
His communication was clear, his guidance was spot‑on, and he handled every hurdle with confidence. I’ve dealt with a few mortgage brokers over the years, and Spiro is easily the best of them. He took all the pressure out of the process and delivered a fantastic result.
If you want a broker who genuinely cares, knows their stuff, and makes the whole journey simple, Spiro and What If We Finance are the team you want in your corner.

We had a great experience working with Spiro and Jaan from start to finish. They were professional, responsive, and explained everything clearly, making the whole home loan process stress-free. They guided us every step of the way. Highly recommend to anyone looking for a reliable and knowledgeable broker!

Spiro was fantastic to work with. Clear communication, honest advice, and very professional throughout the entire process. He made everything smooth and stress-free. Highly recommend.

From start to finish, Spiro, Jaan and the team were incredible to work with. Great knowledge and advice was given throughout, and we felt valued and supported as clients. They stepped us through the entire process with excellent and personalised communication along the way, which gave us the means to find our dream home faster than we could have thought possible. Overall, it was a fantastic experience working with the team at What If We Finance, and I would highly recommend to anyone looking to buy in Melbourne!

As a first home buyer I honestly couldn’t have asked for a better experience. From day one, What If We Finance made me feel completely supported and cared for. Spiro explained everything in such a clear and friendly way that I always felt at ease.

He made the whole process simple and guided me through every step with genuine care. He was so approachable and caring that I never once felt alone or unsure, he truly went above and beyond.

If you’re looking for a mortgage broker who delivers exceptional service, takes away the stress, and makes the journey exciting, I can’t recommend What If We Finance highly enough. They are outstanding in every way and made my dream of buying my first home a reality.

From the very beginning, Spiro provided an outstanding level of care, professionalism, and personalised support that truly set him apart. He took the time to understand my unique circumstances and goals, and tailored every step of the process to suit my needs perfectly.

What impressed me most was Spiro’s genuine commitment to making the experience as smooth and stress-free as possible. He was always available to answer questions, explain options clearly, and offer thoughtful guidance. I never felt like just another client – his approach was warm, attentive, and incredibly reassuring.

Thanks to Spiro’s expertise and dedication, I felt confident and supported throughout the entire journey. I couldn’t be happier with the outcome and would wholeheartedly recommend his services to anyone looking for a mortgage broker who truly cares and delivers exceptional results.

Spiro and Jaan helped us buy our first home and they were exceptional. Not only did they answer all our questions, they went over and beyond giving us confidence to make the leap and buy a home. No questions were too hard, everything was clearly explained and all loan options were presented clearly and in simple language. Overall they were fantastic and just awesome to work with, We could not have done it without them and if you want a top notch mortgage broker look no further.Thank you so much

We had a fantastic experience working with Spiro and his team. From the very beginning, he was extremely professional, transparent, and responsive. He took the time to clearly walk us through every step of the process, ensuring we understood all the details and felt confident throughout.

What really impressed us was how quickly he got things moving — we received our pre-approval in just a few days, which exceeded our expectations. His prompt communication and deep knowledge made the entire process smooth and stress-free.

We are truly impressed with the level of service we received and highly recommend him to anyone looking for a trustworthy and efficient mortgage broker.

I cannot speak highly enough of Spiro and the team at What If We Finance and the exceptional service, care and transparency he provided in securing a loan that I thought was near impossible. Facing a complex court settlement due to my separation, I needed a loan exceeding $850,000, combining a part payment to my wife and refinancing my existing property. Time was critical, as defaulting would have forced me to sell my home, potentially leaving me with no where to go.

Spiro accomplished this feat in just over a week which in the broking world is unheard of working tirelessly day in and day out. His expertise, dedication and ability to navigate such a challenging financial situation were nothing short of remarkable. Beyond his technical skill, his customer service was impeccable. He kept me informed at every step, provided clear updates, and gave me complete visibility into the process, which brought me immense peace of mind during a stressful time.

Thanks to Spiro , I secured the loan and avoided a devastating outcome. He turned what seemed unachievable into reality, and I am beyond grateful for his professionalism and commitment. If your looking for a broker who goes above and beyond, Spiro and the team at What If We Finance is the one I trust - Thank you Spiro I am forever grateful.

Spiro and the team were incredibly knowledgeable and guided us through the whole process, all questions answered with professionalism (even some of my more basic ones). Very smooth process would use them again if I need to refinance and will definitely refer friends and family to the. THANKS!

(note: I also left this review on Google reviews as well)

Spiro and his team have been extremely helpful and responsive during the process. He made obtaining our unconditional approval very straightforward. I would highly recommend What If We Finance to anyone looking to purchase a home.

I had spoken to two other mortgage brokers before reaching out to Spiro, but I didn’t proceed with them because I wasn’t confident in their approach. That all changed the moment I contacted Spiro. Within minutes, he gave me a call and arranged a video meeting the same day.

During our video call, Spiro came fully prepared with a PowerPoint presentation explaining how construction finance works, as I had initially indicated that we were considering building a house. He also had a well-organised spreadsheet that clearly outlined all costs, including mortgage payments and government fees, which gave us a full picture of what to expect based on different purchase prices. He shared the spreadsheet, which I modified to do my own analysis. This helped me play around with different options, and it was a very useful tool in our buying journey.

Not only did Spiro provide clarity on the financial aspects, but he also helped us weigh the pros and cons of buying land and building versus purchasing an established home. His insights expanded our options and allowed us to make a more informed decision. Even when we were undecided in the first few days, he reassured us that no matter what path we chose, he would provide the expertise we needed.

Once we started viewing properties and found one we liked, Spiro stepped up even further. He provided us with free CoreLogic reports to help gauge market value, quickly gathered our documents, and within just two days, presented us with a financial position report and multiple lending options. When we gave him the go-ahead to proceed with the loan application, he wasted no time—submitting it to our chosen lender that very same day.

Even before getting pre-approval from the bank, Spiro gave us the confidence to make an offer subject to finance. When our first offer was declined, we found another property and wanted to make our next offer as attractive as possible. Spiro’s expertise and confidence in his ability to secure our loan reassured us, and we trusted him completely. We decided to make an unconditional offer, even before pre-approval, knowing that Spiro had our back. The risk paid off—our offer was accepted! From there, things moved incredibly fast. He arranged the valuation and secured pre-approval the next day, and within just three business days, we had unconditional approval from the bank.

From the moment I first reached out to Spiro to the day we received unconditional approval, the entire process took only three weeks—and that included time spent deliberating whether to build or buy an existing home, going to open homes, compiling our documents, etc. Once we decided, everything happened at lightning speed, allowing us to make a strong, competitive offer and secure our dream home.

Spiro takes great pride in his work ethic, and it truly shows. He is proactive, detail-oriented, and genuinely invested in his clients’ success. He excels at explaining complex financial concepts clearly, making everything easy to understand. His availability and communication were exceptional—always reachable seven days a week, which was invaluable when making critical decisions over the weekend. His responsiveness, efficiency, and willingness to go the extra mile made the entire process smooth and stress-free.

If you’re looking for a mortgage broker who is knowledgeable, proactive, and truly invested in helping you succeed, Spiro is the one to trust. I can’t recommend him highly enough!

Professional, knowledgeable, and very responsive. The entire process was quick and easy compared to experiences with other brokers, and I felt informed every step of the way. They even worked on my application outside of business hours. I will be recommending Spiro and the team to anyone I know needing help with a home loan. Thanks again Spiro.

During the process we found that Spiro was helpful and made the process of acquiring a loan very easy and explained all steps in process as well as assisting and explaining what the best loan would suit us. Spiro and his team were very professional and followed up once we bought a property to ensure the settlement would happen without delay. We have no hesitation in referring what if we finance and Spiro to others for his broker services.

Spiro and his team are wonderful to work with. They helped me buy a first home a few years ago and I came back as a repeat customer -- no regrets. Spiro is responsive and an excellent communicator. He listened to my goals and explained everything clearly without trying to push my decisions. He was an absolute champion at getting stuff processed at short notice so I didn't miss out on an opportunity. He was also great at getting the banks, conveyancers and agents to do what they're meant to. I highly recommend having him on your side!

We came in knowing a little about the home buying process, but having Spiro and the team guide us through the journey gave us peace of mind and assurance that everything would go smoothly. Their years of knowledge and experience make things simple to understand, and their contactibility was amazing - we are busy working full-time during the week, so having after hours or weekend consults was perfect for us. We recommend highly!

We got our home loan with Spiro and were very happy with the process and results. He explained things clearly, worked around our time constraints including after work hours, was happy to answer questions, didn't push any options but rather explained the options and made sure we were comfortable with them, and then managed to get our loan approved extremely quickly and efficiently. Would highly recommend and happily use him again.

Spiro has provided incredibly valuable help throughout the process where we were refinancing our mortgage and securing a new loan for another property at the same time. From making recommendations, finding the best deal and then navigating the administrative process, it has been a fantastic experience. Spiro seems to always be available for support even outside office hours which is very helpful for people busy with their jobs during the day. We highly recommend his services.

Spiro was a tremendous help in finding us a mortgage. He was always professional and took the time to explain all the steps and forms which was greatly appreciated. And dedicated too! I felt somewhat bad that he was calling me up while he was on holidays overseas to keep me in the loop with what was happening.
Amazing service. Amazing guy. He's saved as "Spiro Mortgage Broker (and great guy)" in my phone for a reason.

Highly recommend spiro, he made the process so quick and easy, thank you for assisting us in buying our first home you truly are a gem!

I found this business on Word of Mouth

Spiro has been a fantastic source of knowledge and support in guiding us through our house-buying process. He really made himself available to answer all of our questions, which was especially evident when we found a place that we loved and his advice helped us secure the property while providing financial reassurance. Jaan was also very helpful in promptly sending through property reports and providing timely updates. Thank you both, we couldn’t have asked for more throughout this process.

Spiro assisted with our Mortgage and I would call his services as nothing less than excellent. He was very professional to deal with and was super responsive to our queries. I'd whole heartedly recommend Spiro to anyone looking for a mortgage.

This is my second time work with what if we finance. It’s been a simple process with a great result each time. I will be working with them again.

Spiro and the team have been super helpful and responsive every step of the way. Couldn't be any happier with the service and will highly recommend to anyone else!

We cannot thank Spiro enough for the help he provided us with getting our home loan across the line so quickly and accurately! I have had experience with other brokers but no one came even slightly close to Spiro's efficiency and dedication to his customers. If you are reading this review, consider this a massive sign to give Spiro a call!

I found this business on Word of Mouth

I can't recommend Spiro and Agnes highly enough - they were a massive help to me getting a home loan for our first home. I found Spiro to be a highly effective broker; honest, knowledgeable, responsive, and gave me complete confidence we would achieve the best outcome. Thanks again Spiro and Agnes!

Spiro made us feel comfortable from the start when discussing first home loan options and communicated with us regularly throughout. We felt empowered by the information he provided us with and felt confident in choosing an option that fit our lifestyle. He is a very trustworthy mortgage broker with years of experience and we could really see that through this professionalism and his great communication skills
We are very happy with the outcome and will be recommending him to our friends and family!