Buying your first home in Melbourne? Thinking about refinancing?
Considering a knockdown rebuild or investing in property?
Whatever stage you’re at – there’s a lot no one warns you about. The fine print. The delays. The things that could cost you thousands if you don’t have the right finance broker in your corner.
At Mynt Financial, we’re not just home loan brokers. We’re the team who’s got your back when the banks don’t pick up the phone.
So here it is…. the real talk most lenders won’t give you.
1. Pre-approval ≠ Approval
It looks official. You feel secure. But that “pre-approval” from your bank? It’s conditional … and often not worth the paper it’s printed on.
If your income changes, your property doesn’t stack up, or your deposit isn’t quite right, the lender can say no later.
✅ At Mynt, we make sure you know what’s real and what’s risky – upfront.
2. A lower interest rate doesn’t mean a better loan
We get it – you want to compare mortgage rates. And you should.
But focusing only on the number could land you with:
No offset account
Hidden redraw restrictions
High exit fees
We’re the Melbourne mortgage brokers who care about your future, not just the front page of the loan.
3. Your friend’s loan isn’t your loan
Just because your mate got approved with 5% deposit doesn’t mean you will. Maybe they had a guarantor loan. Maybe they’re in a profession with LMI waivers.
Everyone’s borrowing power is different. That’s why we don’t use cookie-cutter advice.
Use our free borrowing power calculator to get your real numbers – not someone else’s.
4. Loyalty doesn’t pay : literally
If you’ve been with the same lender for more than 2 years, there’s a good chance you’re paying more than new customers. It’s a broken system – but it’s how the big banks operate.
A simple refinance home loan check could save you thousands. We’ll do the legwork. You just reap the savings.
5. You may be able to build or buy sooner than you think
From construction finance in Melbourne to first home buyer loans, we’ve helped people move forward, even when they thought they weren’t ready.
Buying with a low doc loan?
Self-employed and worried about paperwork?
Wanting to buy an investment property while renting?
We’ll guide you through it all….without the overwhelm.
Why Choose Mynt Financial?
We’re a Melbourne mortgage company with a human-first approach.
No scripts. No fluff. No BS.
Whether you’re a first time home buyer, seasoned investor, or looking to refinance your home loan, we’ll help you find the right loan, from over 40 lenders – based on your goals, not theirs.
🔧 Tools to help you get started:
Ready to move forward with clarity?
Book a free, no-obligation chat with a mortgage broker Melbourne locals trust. We’ll walk you through your options, and tell you what the banks won’t.
⭐ Don’t just take our word for it
“Karen was super awesome helping us refinance our loan. She took the time to explain everything we needed to know including any “gotchas”, answered all our questions, was super quick on the turnaround and finding good deals for us. We got by far the best rate we were able to get versus direct approach to bank. Very happy. This is our second time using Mynt too, we are happy retuning customers and refer others to Josh and Karen too now.” – Alyssa Buchardt
“I highly recommend Mynt Financial for everyone who wants their dream to become true.
I was so lucky to have Mynt Financial, in particular Jessica Bower who helped and guided me step by step through the whole process to get the mortgage as a first home buyer.
Jessica, you are such a wonderful person who made everything easy and possible for me and I am so impressed with your knowledge and speed to answer my questions either by email or phone. No words enough to thank you all.” –Raneen Issa
Disclaimer:
The information provided in this article is general in nature and does not constitute personal financial advice. Individual circumstances vary, and we recommend speaking with a qualified mortgage broker, legal representative, or financial adviser before making any financial decisions. Loan products and policies are subject to change.
