What If We Finance Mortgage Broker Melbourne

09/04/2026

Proud moment for us at What If We Finance.

Mortgage & Finance Association of Australia MFAA Excellence Awards Customer Service VIC
Winner 2024, Finalist 2025, and now Finalist 2026… thank you.

Three years in a row… either we are doing something right, or we have just become very consistent.

A huge thank you to our incredible clients for trusting us with such important decisions, and to our amazing team who deliver every day.

A special mention to my awesome wife, business partner and real boss Margaret Kolokithasolokithas, who keeps everything grounded, and to Jaan Kolokithas, our rockstar lending assistant. Without you both, none of this happens.

Also a huge thank you to all the BDMs and our aggregator AFG. Your support keeps the heartbeat of What If We Finance strong. Those “quick” phone calls that were meant to be 2 minutes and somehow turn into full strategy sessions are always appreciated.

I genuinely love what I do. Helping clients navigate their finance journey and achieve outcomes they did not think were possible is what drives me every day.

Recognition like this means a lot. Truly honoured!

07/04/2026

Proud to be featured in Mortgage Professional Australia.

One thing we see every day at What If We Finance is this. Anyone can talk about rates. You can find them online, in ads, and probably at your Sunday BBQ.

What really matters is having someone in your corner who understands strategy, structure, and how to position you properly with the right lender.

Bank channels are becoming more and more one dimensional. Tick the box, fit the policy, next please.

We take a different approach. Every client, every scenario, every strategy matters. No shortcuts, no cookie cutter solutions.

That is why ongoing learning matters to us. It is not about ticking a box. It is about delivering better outcomes for the people who trust us to get it right.

Because at the end of the day, it is not just about getting a loan approved. It is about getting it right.

https://www.mpamag.com/au/specialty/education/ongoing-learning-is-not-optional-in-this-industry-mfpa-graduates-share-their-experiences/570828

31/03/2026

300 ⭐⭐⭐⭐⭐

We love what we do
But we love our clients even more ❤️

Thank you for the trust, support, and kind words
This milestone is all because of you

melbourneproperty

31/03/2026

300 five star reviews ❤️

We just wanted to say thank you.

To every client who trusted us, shared their experience, or recommended us to family and friends, we truly appreciate it.

Your support means everything to our team.

18/03/2026

Clear mind and exercise… healthy body, healthy mind, just like my ancestors in Greece used to say.

That’s what we believe at What If We Finance.

Put it into practice this morning with Jaan.

He’s gliding… proper runner, controlled breathing, looks like he’s out for a casual stroll.
I’m a few steps behind trying to remember if I signed a waiver for this 😅

At one point I’m pretty sure he was training… and I was just participating in a live demonstration of poor life choices.

Somewhere in the middle of it, it hit me…

Chasing a bank feels a lot like this.

You think you’re keeping up…
Then they change pace and suddenly you’re wondering how this escalated so quickly.

Jaan just keeps moving, calm, consistent, not even looking tired.
I’m checking my heart rate like it’s about to refinance itself 🤯

Anyway… great session.

Jaan building fitness.
Me building character… against my will.

15/03/2026

At What If We Finance, we love our clients, but we also love celebrating great people.

Today the spotlight belongs to Jaan.

It is not easy for me to say this because he also happens to be my son, but anyone who meets him quickly realises what an incredibly polite, courteous and well-mannered young man he is. He is the kind of person who always shows up with respect, a great attitude, and a genuine smile.

Jaan is also an absolute gun loan processor at What If We Finance, helping keep things running smoothly behind the scenes for our clients.

Outside of work, he is studying Exercise and Sports Science at university, has just completed Certificate IV, and is heavily involved in football.

How he manages all of that in a 24 hour day is beyond me.

Jaan, congratulations.
You are a rockstar and we are incredibly proud of you.

Hard work. Discipline. Humility. And always a smile. That is Jaan Kolokithas

03/02/2026

The rate rise has landed and it’s already changing what buyers and borrowers can do.

For first home buyers
Borrowing power can drop by around $12k to $15k depending on the lender.

For existing home loans
Doing nothing is often the most expensive option.

The right lender strategy, loan structure, and timing still matter more than the headline rate.

If you are buying your first home or already have a loan and want to understand your options after the rate rise, a quick review can make a real difference.

Message me or comment RATE and I will point you in the right direction.
https://melbournemortgage.com.au

10/01/2026

We don't do fluff, and we definitely don't beat around the bush. We just get you into your home. 🏡💨

Huge thanks to Apoorva for the shoutout! We make it our mission to be straightforward and transparent from the very first phone call. At What If We Finance, we go the extra mile to take the stress out of the process so you can stay focused on the big picture.

No games, no jargon—just results. Cheers for the recommendation, Apoorva! 🥂

27/12/2025

Champagne may be on ice, but life does not pause.
What If We Finance is working through Christmas and here to help.

23/12/2025

Merry Christmas from What If We Finance 🎄🐾

To our clients, thank you for trusting us with your homes and your financial decisions this year. Your support and referrals mean everything to us.

To our incredible team, thank you for the hard work, care and commitment you bring every day. The wins are earned and they are yours.

Zeus has officially promoted himself to CEO. His management style includes walking meetings, morale boosting pats and a strong belief that bonuses should be paid in treats. HR remains unconvinced 🦴😄

Wishing you a Christmas full of laughs, good food and a well deserved break.

Merry Christmas 🎄✨🐶

16/12/2025

The 2026 rate cut story was sounding great.

Then inflation decided to ruin the mood.

Markets are suddenly less confident, timelines are moving and waiting it out is starting to look like a gamble rather than a plan.

If your entire mortgage strategy relies on future headlines and crossed fingers, it might be time for a rethink.

If your strategy involves reviewing your rate, structuring smartly and preparing for multiple scenarios, you stay in control.

We explain why inflation has flipped the conversation again and what borrowers should be doing now.

Read the full article here.

Inflation has shifted and 2026 interest rates expectations are changing. See what it means for your home loan with insights from one of Melbourne’s most trusted mortgage brokers.