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.

The simple act of making your bed each day can be life changing. Truly. It's been linked to increased happiness, and dec...
17/09/2026

The simple act of making your bed each day can be life changing. Truly. It's been linked to increased happiness, and decreased stress.

The thinking is that this small, disciplined act sets off a chain reaction of other proactive, Type-A behaviours.

Want to know another small, yet life-changing, act?

Booking in to get your finances in order. Whether you feel overwhelmed by debt, or want to build your property portfolio, big gains start with small steps.

What are you waiting for?

Did you know your daily takeaway coffee habit adds up to over $2k/year?Great news is we have some better ways to save th...
14/09/2026

Did you know your daily takeaway coffee habit adds up to over $2k/year?

Great news is we have some better ways to save thousands every year, without giving up your caffeine fix.

Ask us how.

Grateful for the continuous growth and community! 📈✨ Huge thank you to Loan Market for the unwavering support over the y...
12/09/2026

Grateful for the continuous growth and community! 📈✨ Huge thank you to Loan Market for the unwavering support over the years. I recently wrapped up the latest Elevate Program, and the insights, strategies, and industry connections were next level. Continuous learning means better outcomes and clearer advice for my clients every single day. Excited to bring these new tools into the business! 🙌 MortgageBroker ProfessionalDevelopment ElevateProgram MelbourneBrok

Let's talk about spending habits, and specifically: what the banks think about how you handle your money when they're de...
11/09/2026

Let's talk about spending habits, and specifically: what the banks think about how you handle your money when they're deciding whether to approve you for a home loan.

If, for instance, you’ve got a maxed-out credit card but are ordering Uber Eats five times a week and shopping up a storm with Afterpay, the lender may wonder why you’re not diverting this 'discretionary' spending to paying off your credit card.

They're looking for evidence that you handle your debts well. If you're only making the minimum monthly repayments, or if you're behind on your repayments, it paints a picture that perhaps you're not on top of your money – and are therefore not ready to commit to a home loan.

If you want to talk about getting your accounts in order before you apply for a home loan, we're just a call or a message away.

A property isn’t just an address.It’s a milestone.It’s security, freedom, and possibility.We’re here to help you get the...
07/09/2026

A property isn’t just an address.

It’s a milestone.

It’s security, freedom, and possibility.

We’re here to help you get there – strategically and confidently.

We’re not here to ‘sell’ loans. We’re here to help you find the right one – for your life, not just your lender.Whether ...
03/09/2026

We’re not here to ‘sell’ loans. We’re here to help you find the right one – for your life, not just your lender.

Whether you're ready to act or are still exploring, we’ll help you move forward with confidence.

Book a chat today – no obligation, just clarity.

Is your account constantly overdrawn? Are your direct debits bouncing back? Perhaps you're often having to dip into your...
31/08/2026

Is your account constantly overdrawn? Are your direct debits bouncing back? Perhaps you're often having to dip into your savings to pay your regular bills?

Well, here's your friendly reminder to consider how this looks to the bank, particularly if a home loan is on the horizon for you. We think today's the perfect day to start creating a better first impression.

Why?

Well when the bank assesses your home loan application, they'll look at your 'account conduct' over the last few months. Basically, they want to know whether you're managing your accounts in a way that shows you're in charge of your money.

What to do:
– Establish a budget (simple is often best)
– Try to switch bills from quarterly to monthly
– Write down when all your direct debits are due
– Divert money from spending to savings to give yourself a buffer
– Get in touch with us for a no judgment look at what the bank might think of your account conduct.

What are you waiting for?

Myth busted! Many people think applying for lots of loans will increase their odds of approval. In reality, multiple app...
29/08/2026

Myth busted! Many people think applying for lots of loans will increase their odds of approval. In reality, multiple applications in a short time can hurt your credit score and make lenders cautious about providing finance to you.

Instead of applying everywhere and hoping for the best, it’s smarter to get it right the first time with a well prepared application. Quality over quantity is key when it comes to loan applications. A broker (like us!) can help by matching you to a lender that suits your situation, so you only apply once with the best chance possible.

Save yourself the headache and protect your credit score – one solid application beats five shaky ones any day.

You don’t need to navigate price guides, agents, inspections, auctions, and finance alone.Let us handle the chaos so you...
27/08/2026

You don’t need to navigate price guides, agents, inspections, auctions, and finance alone.

Let us handle the chaos so you can focus on finding the one – with clarity and confidence.

Send us a DM to get started, and we’ll show you what’s possible.

Most people glance at the interest rate and think 'Great, that's how much my loan is costing me'.But here’s the catch: t...
26/08/2026

Most people glance at the interest rate and think 'Great, that's how much my loan is costing me'.

But here’s the catch: the rate is only part of the picture.

The real cost of your home loan lives in the fine print:
💵 Fees that quietly eat into your savings
🤔 Loan features that sound good but rarely get used
☂️ Insurance add ons that can stretch your budget for years

A ‘cheap’ loan on paper can end up more expensive than the one you didn’t choose.

If you want full loan clarity – not just rate hype – let’s uncover the true cost together. Reach out today for a no strings chat.

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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