Find A Better Rate
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Melbourne-based · Australia-wide

Your Melbourne mortgage broker for clearer home loan choices.

Looking for a broker for mortgage advice? Work with Chris Berry to compare suitable home loans from more than 40 lenders. Get personal guidance for your first home, next purchase, refinance or investment.

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No pressure. Just straightforward guidance on your next step.

Looking for a broker in the city? Visit our Melbourne CBD mortgage broker page.

Home buyers reviewing their mortgage options and new house keys

Advice built around you

Understand your options. Choose with confidence.

40+lenders compared
18+years of expertise
98%approval rate

Client experiences

Trusted by home buyers and homeowners.

4.9from 52 Google reviews
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“Thanks Chris for a good experience and also for saving me lots of money.”

Jenna Seymour

Google review

“Thank you SO much for everything, couldn't be happier with the outcome :)”

Erica Dowlzak

Google review

“Would highly recommend his services.”

Pieter Molenaar

Google review

Personal mortgage guidance

Choosing a broker for mortgage and home loan help

A home loan needs to fit more than the property you want to buy. Your income, deposit, existing commitments and future plans all shape which options are suitable. Chris helps you understand those options before you apply.

With more than 18 years of expertise and a panel of 40+ lenders, Chris compares rates, fees, loan features and lender requirements, then explains the trade-offs in plain language. You have support from the first conversation through to settlement and beyond.

Meet Chris Berry, your Melbourne mortgage broker

What happens when you work with us?

  1. 1

    Discuss your plans

    Start with your goals, financial position and timing so we can understand what you need from a home loan.

  2. 2

    Compare suitable options

    Review loans from our lender panel and understand the costs, features and reasons behind the recommendation.

  3. 3

    Get help with your application

    We help organise the documents and guide you through the lender’s assessment and settlement process.

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How we help

Good lending decisions begin with clarity.

Whether you are buying, refinancing or investing, we make the options understandable and the process feel manageable.

01

First home buyers

Know what you can afford, understand available support and make your first move with confidence.

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02

Refinancing

Review your current rate, compare alternatives and see whether switching could put you in a stronger position.

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03

Self-employed borrowers

Prepare your income evidence and compare lender policies that may better fit your business structure.

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04

Property investors

Compare investment lending, usable equity, cash flow and lender policy with your longer-term portfolio in mind.

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05

Construction loans

Plan land, building costs, valuations and progress payments with a loan structured around each stage.

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06

Guarantor home loans

Compare family-guarantee structures, lender requirements, risks and a potential pathway to release.

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07

Credit-impaired borrowers

Review defaults, repayment history or past insolvency before choosing a suitable home-loan pathway.

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08

Professional borrowers

Compare profession-specific lender policies, income treatment and possible LMI waivers.

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09

Australia-wide borrowers

Meet by phone or video and compare home-loan options wherever you live in Australia.

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Useful from the very first click

Plan with numbers you can understand.

Use our home loan calculators to test borrowing power, repayments, refinancing scenarios, deposits and buying costs.

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Borrowing capacityRepaymentsRefinance savingsStamp dutyDeposit plannerBuying & selling costs

Research a property

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Latest insights

Practical mortgage guidance.

Questions about choosing a mortgage broker

How is a mortgage broker different from going directly to a bank?

A bank discusses its own home loans. A mortgage broker can compare options across their lender panel. At Find A Better Rate, we compare suitable options from more than 40 lenders and explain how the recommended loan fits your circumstances. Our panel does not include every lender or loan in the market.

What should I ask before choosing a mortgage broker?

Ask which lenders they work with, how they compare loans, what fees may apply, how they are paid and who will support your application. Discuss their experience with circumstances like yours and ask them to explain the reasons behind any recommendation.

What should I bring to my first mortgage discussion?

Have an outline of your income, savings or deposit, current debts and regular expenses, along with your purchase or refinance plans. If you already have a mortgage, your latest loan statement is useful. Chris can explain which supporting documents are needed for the next step.

Can you help if I live outside Melbourne?

Yes. Find A Better Rate is based in Melbourne and supports borrowers across Australia by phone and video appointment. We can discuss your plans and guide you through the home loan process remotely.

Preparing for a conversation? Read our 10 questions to ask a mortgage broker or explore our Australia-wide mortgage service.

Ready when you are

Let’s find your better rate.

Book a free 30-minute appointment with a mortgage broker to clarify your next step.

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