We Need Finance

We Need Finance St Kilda Mortgage Brokers specialising in residential lending, helping families all over Australia.

Are you looking for home loan experts with your best interest at heart? Look no further, we love helping our clients achieve their goals and buy properties. We have the knowledge, the dedication and over 10yrs experience to guide you with your next property purchase. Contact your St Kilda Mortgage Brokers today for a free borrowing capacity assessment.

Finding your dream house is one thing, but you want to make sure you love the neighbourhood just as much.Here are three ...
22/06/2026

Finding your dream house is one thing, but you want to make sure you love the neighbourhood just as much.

Here are three essential steps to choosing the right area:

🔍 Inspect the neighborhood at different times of day.

đź“ť Make a list of your must-haves vs. nice-to-haves.

đź’¬ Ask locals what they love about the area.

Ready to take the plunge? Let’s find your dream home together!

Despite a period of relatively high inflation, stagnant wages and increasing interest rates, our property market is prov...
19/06/2026

Despite a period of relatively high inflation, stagnant wages and increasing interest rates, our property market is proving to be very robust.

And for a lot of people, it's as smart an investment as ever.

Whether you’re after the keys for your first home, your forever home, or an investment property, we can help you.

Here are five questions to help you choose the right mortgage broker:- What are your qualifications?Make sure you choose...
16/06/2026

Here are five questions to help you choose the right mortgage broker:

- What are your qualifications?
Make sure you choose a broker who is qualified and has the necessary experience to provide you with the guidance you need.

- Who's your ideal client?
Look for a broker who specialises in – and loves – helping people just like you.

- How do you get paid?
It's important to understand how your broker gets paid.

- Can you provide reviews?
Look at feedback from previous clients to get a sense of the broker's track record.

- Do you understand my goals?
Choose a broker who takes the time to understand your unique situation and works with you to develop a plan that meets your needs and goals.

If you're ready to move from your first home to your forever home, there are steps you can take to optimise the process....
13/06/2026

If you're ready to move from your first home to your forever home, there are steps you can take to optimise the process.

Less stress, while achieving a better outcome.

If you're wanting to climb further up the property ladder, then chances are you'll need help with finance.⠀⠀Knowing wher...
10/06/2026

If you're wanting to climb further up the property ladder, then chances are you'll need help with finance.â €
â €
Knowing where your money going is the first step in being able to present the right impression to the lender. And creating the right impression is paramount to securing competitive finance.
⠀⠀
Get in touch if you'd like more insight into how the banks will view your application.

Contemplating a big move?Get professional guidance before diving in.Nothing to lose, so much to gain.
07/06/2026

Contemplating a big move?

Get professional guidance before diving in.

Nothing to lose, so much to gain.

Nothing beats the security of owning your own home.We help you navigate the finance maze so you can focus on what's most...
04/06/2026

Nothing beats the security of owning your own home.

We help you navigate the finance maze so you can focus on what's most important.

Taking out a home loan shouldn't stretch your finances to breaking point. ⠀⠀⠀And of course people (and products) change....
01/06/2026

Taking out a home loan shouldn't stretch your finances to breaking point.
⠀⠀⠀
And of course people (and products) change. What's right for us one year may not be the right thing a few years down the track.

This is where refinancing comes into play. When you refinance, it's not 'just' about reducing your fortnightly repayments or your interest rate.

Imagine shaving years off your home loan, so that you become mortgage-free sooner!⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Get in touch to find out how.

An offset account can be a powerful tool to reduce the interest you pay on your mortgage.It’s like a savings account lin...
27/05/2026

An offset account can be a powerful tool to reduce the interest you pay on your mortgage.

It’s like a savings account linked to your home loan, and the more money you have in your offset account, the less interest you pay.

For example, if you have $50k sitting in your offset account and a $900k mortgage, you'll only pay interest on $850k.

Curious about how much you could save? Let's chat about how an offset account can work for you.

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your ...
23/05/2026

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your cash flow.

For example:
– On a $600k loan, trimming just 0.5% off your rate could save you around $2,500 a year.
– Over the life of your loan, that’s tens of thousands back in your pocket.

Our job is to review your options, negotiate with your bank, and advise whether a switch stacks up financially.

We can’t promise savings until we look at your situation – but we can promise clarity.

Address

105 Wellington Street
St Kilda, VIC
3182

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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