Get clear, personal home loan guidance from Chris Berry, an experienced mortgage broker based in the heart of Melbourne. Compare options from more than 40 lenders for buying, refinancing or investing.
Prefer to choose a time? Book a free appointment by phone or video.
4.9 from 52 Google reviews
Local knowledge, broader choice
Melbourne CBD borrowers often balance busy professional lives with major property decisions. Whether you are purchasing an apartment, upgrading outside the city, refinancing an established loan or planning an investment, it helps to have one person make the lending process clear.
Chris begins by understanding your income, commitments, deposit, property plans and priorities. He can then compare suitable options across a broad lender panel and explain the differences in plain English—including rates, fees, features and lender requirements.
Find A Better Rate is located on Collins Street in Melbourne CBD, but you do not need to travel into the city to get help. Phone and video appointments make it easy to discuss your plans wherever you are.
Buying in Melbourne CBD
For a CBD apartment purchase, your income and deposit are only part of the lending assessment. The property itself matters too. Bring Chris the address and floor plan early so you can discuss the questions that need answering before you commit.
A standard residential apartment, studio, serviced apartment or student accommodation can be treated differently by lenders. Internal floor area and how the property will be used may affect your options; there is no single rule that applies to every lender.
Some lenders apply additional criteria to particular buildings or high-density developments. A borrowing estimate alone does not confirm that a lender will accept your chosen apartment as security.
The lender uses its own assessment of the property value, which may differ from the purchase price. A lower valuation can change the amount you can borrow and the cash you need to complete the purchase.
Allow for owners corporation fees, council rates, insurance and purchase costs alongside repayments. For an investment, consider vacancy and ongoing expenses too, rather than relying on the advertised rent alone.
Lender policies and eligibility vary. Pre-approval is conditional and does not guarantee approval for a particular property. Ask your conveyancer about contract conditions before signing or bidding. Start with our pre-approval guide and Victorian buying-cost checklist.
Further reading: CommBank explains how lender valuations affect loan-to-value ratio. General information; your property and application need individual assessment.
Your broker can be in Melbourne CBD even when your next home is not. Discuss a suburban purchase, a move interstate or a refinance by phone or video. Chris can help you compare your deposit, equity and existing commitments with the lending options for your next move.
How we can help
Understand your borrowing position, deposit requirements and suitable loan options before making your next move.
Explore buying a homeReview your current home loan, compare alternatives and assess whether switching could improve your position.
Explore refinancingExplore lending structures and lender options that align with your property investment plans.
Explore property investmentLevel 14
330 Collins Street
Melbourne VIC 3000
Phone and video appointments are available. For an in-person meeting at Collins Street, contact Chris first to confirm availability and arrange a time before travelling.
Choose an appointment timeWhat to expect
Talk through what you want to achieve, your timeframe and the information already available.
Review borrowing capacity, deposit, costs, commitments and lender considerations.
See relevant lending choices explained by cost, features, policy and fit.
Receive help with the application, documentation, lender communication and settlement.
Your initial appointment with Chris is free. Many residential mortgage brokers receive lender commissions; arrangements can vary. Chris will explain applicable remuneration and any client fee before you proceed.
Broker remuneration is separate from lender fees and the costs of buying or refinancing. Compare the overall cost, loan features and suitability for your plans, rather than the advertised interest rate alone.
ASIC’s Moneysmart guide to working with a mortgage brokerClient experiences
“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
Common questions
No. You can meet with Chris by phone or video, and appointments can be arranged around your schedule. If you would prefer to meet at Collins Street, contact Chris first to confirm availability and arrange a time.
Yes. Share the property address, floor plan, intended use and deposit position with Chris. Apartment size, building type and valuation can affect which lenders will consider a property. Requirements vary, so check the proposed property as well as your borrowing capacity before committing.
Yes. You can work with Chris from the city while buying a home or investment elsewhere in Melbourne or Australia. Phone and video appointments let you discuss your plans without travelling to the office.
Start with your goal, timeframe, approximate income, existing debts and deposit or equity. If you have found a property, have the listing and floor plan ready. Chris can explain which documents are needed next; you do not need to upload financial documents in the enquiry form.
Find A Better Rate is based in Melbourne CBD and assists clients throughout Melbourne, Victoria and across Australia.
Your initial appointment is free. Chris will explain the applicable broker remuneration and any client fee before you proceed. Lender fees and property purchase or refinancing costs are separate and should be included in your budget.
Chris has access to a panel of more than 40 lenders. The options considered will depend on your circumstances, objectives and eligibility.
Yes. Chris can explain borrowing capacity, deposit requirements, purchase costs, lender policies and first-home-buyer support that may be relevant to your situation.
Talk with Chris
Buying an apartment, reviewing your current loan or planning your next move? Leave a few details and ask Chris to get in touch. There is no need to choose an appointment time to make an enquiry.
Please include your goal and preferred callback time. Keep account numbers and financial documents out of this form; Chris can explain what is needed next.
Call Chris on 03 9125 4339