Your means to a better loan is right here

Finance & Mortgage Brokers based in Moonee Ponds assisting clients nationwide

5.0

from 249 reviews

secure your best financing option

Home Loans

Home Loans

With access to hundreds of Home Loan options, we're sure to be able to find the right one for you

Investment Loans

First Home Buyers

We can help guide first home buyers through the maze of home finance options

Investment Loans

Investment Loans

We'll help you secure the right Investment Loan to buy your first or next investment property

THE MEANS TO OVER 45 LENDERS

YOUR MARGIN STARTS WITH OUR MEANS

Our Services

Home Loans
Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

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Investment Loans
Investment Loans

Our Investment Loan options will see you expanding your property portfolio sooner

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Refinancing
Refinancing

Take advantage of better rates on the market and refinance your Home Loan or Investment Loan

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First Home Buyers
First Home Buyers

We'll help you understand the Home Loan types, grants and incentives to get into your First Home

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Construction Loans
Construction Loans

Turn your building plans into a reality with a Construction Loan

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Commercial Loans
Commercial Loans

Time to grow your business? A Commercial Loan can help

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Business Loans
Business Loans

Fund your purchase of a new property, plant or buy another business with a Business Loan

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Equipment Finance
Equipment Finance

Need to buy a vehicle or equipment? We can help with Equipment Finance

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Car Loans
Car Loans

Ready to step into that dream car? Get on the road sooner with a Car Loan

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A margin exceeding the means of others

George Thomas

Outstanding service and expertise, we couldn’t be happier with the experience, Special thanks to Joanna, Damien and Simran. Highly suggested.

Shaun B McMahon

I highly recommend Damian and his team at Margin Finance. As a first home buyer with a smaller budget I had already been through two mortgage brokers who barely gave me the time of day. Damian and his team provided a completely different experience. From the very first call I felt a genuine care and attentiveness that was consistent throughout the entire process. Along the way I signed up for the acquisition service and Damian was incredibly diligent in helping me through my first purchase. He was readily available to answer questions and always in my corner fighting for the best possible outcome. After securing a property his colleagues were incredibly friendly and helpful during the settlement process. If you're looking for a mortgage broker you'll be in good hands with Damian and his team.

Maddi Skeggs

Really enjoyed our experience with Margin Finance. We are first home buyers and Margin were able to answer all of our (sometimes obvious) questions and take the time to explain everything until we full understood it - even if it meant explaining something multiple times. They made us feel secure and safe during the emotional rollercoaster of buying your first house, and I always felt good knowing we had them in our corner. Super personable and easily contactable. Thanks so much to you Damien and especially Andrew for your consistent help and to Jo and Alex also jumping in to support.

Theresa Meach

I couldn’t be happier with my experience with Margin Finance especially Andrew, Alex and Damian. From the very first consultation, the team was incredibly knowledgeable and attentive. They tailored their advice to my situation and provided me with a personalised plan. Andrew and Alex were always available to answer my questions even on their day off!! I would highly recommend Margin Finance to anyone looking for a reliable and knowledgeable team! Thank you again for helping me secure my first home.

Sam & Kelly Walker

Couldn't be happier with our experience. Offering advice and guidance from start to end. Understanding of the high anxiety and willing to take the time to answer our questions and reassure us every step of the way. We started by going to a webinar hosted by Damian at Margin, thinking we had no path to take for home ownership, to being coached on steps we need to take, to purchasing our first property. Damian and his team went above and beyond to help guide us, highly recommend their services.

Chynthia & Drazen Kovac

Margin Finance have been incredibly helpful and professional while assisting us in securing a mortgage for our new home. Our income situation was a bit unique but the excellent communication and knowledge from Damian and Andrew really helped us understand each part of the process and achieve our goals.

About Margin Finance

Welcome to Margin Finance, where our mission is to simplify the complexities of the financial world for you. Formerly known as Medici Mortgages, we have rebranded to better reflect our commitment to providing comprehensive and expert financial services. Our team is rich in diverse experience, making us fluent in the intricate language of loans and finance.

Margin Finance is built on a foundation of extensive knowledge and expertise across multiple sectors. Our team of seasoned professionals includes experts in banking, real estate, new finance and refinance, financial literacy, and goal achievement. This diverse expertise ensures that we can navigate the complexities of financial institutions, provide insightful advice on property investments, optimize financial arrangements, and educate our clients to ensure a clear understanding of their financial options.

At Margin Finance, we believe in personalised service tailored to each client’s unique needs. We are dedicated to providing a seamless and stress-free experience from the initial consultation to the final approval. Transparency and trust are the cornerstones of our business. We keep you informed at every step, ensuring there are no surprises or hidden fees.

Our commitment to expertise, personalised service, transparency, and innovative solutions sets us apart. We stay ahead of industry trends to provide the most efficient and effective financial solutions. Our margin is the edge we bring to your financial journey, handling the complexities of finance so you can focus on what matters most to you.

Join us at Margin Finance, where we leverage our knowledge to secure your financial goals, making the journey as smooth and informed as possible.

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Frequently Asked Questions

Margin Finance

What is a Mortgage Broker?

A Mortgage Broker is a professional who acts as a middleman between borrowers seeking a mortgage loan and the financial institutions providing these loans. They help you find the right mortgage loan from various lenders, offer personalised guidance, and negotiate favourable terms. Mortgage brokers simplify the application process, have access to multiple lenders, and can save you time and effort.


Margin Finance

How do Mortgage Brokers get paid?

Our services are free. You don’t pay us. The bank or lender does at no cost at all to you. Mortgage Brokers are paid an upfront commission and a trail payment. The upfront commission is a one off payment that is paid to us by the lender/bank we refer your loan to (usually between 0.65% to 0.7%) as we do all of the legwork to get your loan approved. A ‘trail’ or ongoing commission is also paid by the lender to us which is an ongoing commission (usually around 0.15% p.a.) based on the balance of your loan. There may be occasions where you may be charged a fee by your broker. Terms, conditions and normal lending criteria apply. This generally occurs if we are dealing with a complex file that will require well above the standard amount of time to complete the file. If Margin Finance believes a fee will need to be charged, this will always be communicated to you before proceeding.


Margin Finance

Why should I use a Mortgage Broker if I can just go direct to the bank?

When you visit a bank directly, they will only be able to sell you a loan or product that they have. When you visit a mortgage specialist like Margin Finance, we find you the perfect loan out of 40 different lenders. You may believe that a certain bank is right for you, but how do you know that if a mortgage specialist has not assessed you?


Margin Finance

What documents are needed to apply for a mortgage?

The main documents you will need to provide to get a home loan are:

- Proof of identification: passport, driver’s licence, birth certificate

- Income: recent payslips, tax returns

- Expenses: a detailed list of your monthly expenses from subscriptions to petrol costs

- Assets: ownership details for other properties, cars, savings

- Liabilities: statements for any existing debts

When dealing with us, we will inform you specifically of all of the information we need to work on your mortgage.


Margin Finance

How much can I borrow?

Your borrowing capacity is an important number and can differ a lot between banks. You can use our borrowing power calculator here which will only give you a rough estimate of your borrowing borrow. You should always speak with a Mortgage Specialist to discover how much 45 lenders will lend you. The factors that determine your borrowing power are:

- Income

- Expenses

- Debts

- Dependents

- Purchasing costs

- Savings and Equity


Margin Finance

What should I speak to a Mortgage Broker about?

At Margin Finance, we encourage you to speak to us even before you are ready to buy a property. Speaking with a mortgage specialist will allow you to understand your borrowing capacity and your likelihood of being approved. If you want to buy a property in 6-12 months, speaking with a broker now can help you identify your position and if your situation aligns with your goals. We help clients at all different stages of their journey. If you are unsure when you should be coming to see us, simply ask. You have nothing to lose, and so much to gain, by contacting a broker. Our services are free and we are full of information to pass onto you.


A MARGIN EXCEEDING THE MEANS OF OTHERS