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.

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!

Spiro was amazing from start to finish on getting our construction loan up and running. Made things easy to understand and most importantly pushed hard to get everything over the line as quickly as possible. Wouldn't go anywhere else.

Spiro was great to work with during the process of buying our first home. He is highly professional and provided very clear and easy to understand advice regarding all of our home loan questions. He and his team were very responsive throughout, any day of the week. Spiro also got us a fantastic rate on our loan, we would highly recommend him!

I could not recommend Spiro and his team more highly to anyone in need of a reliable and trustworthy mortgage broker. From the initial consultation to going above and beyond in helping secure a great rate, Spiro has demonstrated exceptional professionalism and expertise. Communication has been great throughout. Spiro is exceptional at guiding you through the entire process step-by-step. Thank you again for all your hard work!

Spiro assisted me and my husband in buying our home. He is an expert mortgage broker, very helpful and professional. I would highly recommend working with Spiro.

Spiro was amazing and assisted me in purchasing my first home and guided me through the tricky terms and processes to ensure everything went smoothly. Can't thank them enough.

Spiro took the time to understand our finance needs and then presented us with options and the relative benefits of each option. From the time we selected our preferred option, he clearly outlined what we needed to do in terms of supporting documents etc and he made sure that the process of obtaining the finance went through quickly. More importantly he was a single point of contact for any questions we had. Having used him as our broker for over 15 years we cannot recommend him highly enough

I've had the privilege of working with Spiro as my mortgage broker for several years, and his dedication to excellence has consistently exceeded my expectations. Spiro's responsiveness is truly commendable; he has always been prompt in addressing my inquiries and concerns, making me feel prioritised throughout the entire mortgage process. His commitment to going above and beyond sets him apart in the industry.
Spiro's expertise and personalised approach have been instrumental in securing great competitive rates for me over the years. Beyond just finding favourable interest rates, Spiro has shown a genuine interest in understanding my financial goals and has provided insightful advice to optimise my mortgage strategy. Whether it's navigating complex paperwork or exploring cost-saving opportunities, Spiro's attention on to detail and proactive communication have made each transaction seamless.
I am grateful for Spiro's unwavering professionalism and the positive impact he has had on my financial journey. Working with him has not only been a sound financial decision but also a reassuring experience, knowing that I have a mortgage broker who consistently goes the extra mile. I wholeheartedly recommend Spiro to anyone seeking a mortgage professional who combines expertise with a personalised touch.

I found this business on Word of Mouth

We were refinancing after initially financing with What if we Finance. Another 5 star experience for us, Spiro helped us through the process and negotiated an excellent rate. Would highly recommend his services.

Have just purchased my second property and have had another fantastic experience with What If We Finance. Spiro is very knowledgeable about the industry and has given me great confidence throughout the process. He is always helpful and happy to answer my questions. Would highly recommend his services!

Spiro was a fantastic help when it came to our home loan. His expertise and deep knowledge always shone through, especially regarding navigation of the various first home buyers schemes. He also helped educate us along the way so we were best informed when making a decision, which you can tell is backed by years of experience and best practice in the mortgage broker industry. If your looking for a mortgage broker, I would 100% reccomend Spiro and his team at What If We Finance