Fincrest Finance — Mortgage Brokers Melbourne
Fincrest Finance is Australia's trusted mortgage broker based in Melbourne. We compare 40+ lenders to secure the right home loan, investment loan, or refinancing solution — tailored to you, at no cost. With 8+ years of experience, over $1.3 billion in loans settled, and a 99% client satisfaction rate, Fincrest Finance is your partner in financial empowerment.
Our Services
- Home Loans — Competitive rates on residential home loans tailored to your lifestyle and budget. Fixed, variable & split-rate options with pre-approval within 48 hours.
- Investment Loans — Grow your property portfolio with strategic financing solutions. Multi-property portfolio financing, interest-only structures, and trust & company borrowing structures.
- Refinancing — Lower your repayments or access equity with a smart refinancing strategy. Rate comparison & savings analysis, debt consolidation, and cashback offers from lenders.
- First Home Buyer — Step onto the property ladder with confidence. First Home Owner Grant guidance, First Home Guarantee scheme access, and stamp duty concessions explained.
- Commercial Loans — Flexible commercial lending for business premises, development, and expansion. Owner-occupied & investment commercial, development & construction finance.
- Business & Asset Finance — Finance vehicles, equipment, and business operations. Vehicle & equipment finance, business overdrafts, working capital solutions, and chattel mortgages.
About Fincrest Finance
Fincrest Finance was founded in 2021 by Rebecca Gui in Melbourne, Australia. What started as a one-person brokerage has grown into a trusted firm with a team of specialist brokers. We've settled over $1.3 billion in loans and helped hundreds of clients achieve their property dreams. Today, Fincrest Finance remains true to its founding principle: your best interest comes first, always.
Why Choose Fincrest Finance?
- Access to 40+ lenders across Australia
- No obligation, free initial consultation
- Dedicated broker from application to settlement
- Transparent fee structure — we come to you
- Fast pre-approval within 48 hours
- Ongoing loan reviews and support
Free Tools: Loan Repayment Calculator & Interest Rate Comparison
Fincrest Finance offers free online tools to help you plan your mortgage. Use our Loan Repayment Calculator to estimate your monthly, fortnightly, or weekly repayments based on your loan amount, interest rate, and loan term. Compare principal & interest vs interest-only repayment options.
Our Interest Rate Comparison Table shows current home loan rates from Australia's major banks including Commonwealth Bank (CBA), Westpac, ANZ, NAB, Macquarie Bank, ING, Bendigo Bank, Suncorp, St.George, and Bank of Queensland. Compare variable rates, 3-year fixed rates, and 5-year fixed rates side by side, with comparison rates to help you understand the true cost of each loan.
Contact Fincrest Finance
Phone: 0430 468 901
Email: rebecca.gui@fincrest.com.au
Address: 800 Whitehorse Road, Box Hill VIC 3128, Australia
Hours: Mon–Fri 9:00 AM–6:00 PM, Sat 10:00 AM–2:00 PM
Credit Representative Number: 570287
Frequently Asked Questions
How much does it cost to use a mortgage broker?
For most residential home loans, our service is completely free — the lender pays us a commission. For complex commercial or development finance, we may charge a fee, which we always disclose upfront.
How long does the pre-approval process take?
We typically obtain conditional pre-approval within 48 hours of receiving your complete application. Full approval depends on the lender and property valuation, usually taking 2–4 weeks.
Do you only work with certain banks?
No. We have an accredited panel of over 40 lenders including major banks, regional banks, credit unions, and specialist non-bank lenders.
Can you help if I have an unusual financial situation?
Absolutely. We specialise in complex scenarios — self-employed borrowers, irregular income, credit history issues, trust structures, and more.
Do you provide ongoing support after settlement?
Yes. We conduct annual loan reviews to ensure your facility remains competitive, help with any rate negotiations, and assist with future refinancing or new purchases.