Our Services · Melbourne VIC
Mortgage and Finance Broking Services
AUZ Mortgage Solutions Pty Ltd (ABN 91 703 367 346) is a Melbourne-based mortgage broking and finance consulting practice. We compare loans across a panel of Australian banks and non-bank lenders, prepare the paperwork, negotiate with lenders on your behalf and stay involved long after settlement — so you can make confident borrowing decisions.
What We Can Help You With
Every engagement starts with a free, no-obligation consultation. Below is an overview of our six core service areas, each delivered with the clarity of a professional consulting engagement.
1. Home Loans (Owner-Occupied)
Whether you are buying your first home, upgrading for a growing family or building a new one, we compare owner-occupied loan options from our lender panel and manage the application from pre-approval through to settlement.
- Variable, fixed and split-rate structures
- Pre-approval so you can bid or buy with confidence
- Post-settlement rate reviews to keep your loan competitive
2. Refinancing and Debt Consolidation
If your current rate no longer stacks up, we review your existing loan, quantify the genuine savings and manage the switch end to end — including consolidating personal loans or credit cards into one manageable repayment.
- Full cost-and-benefit analysis before you switch
- Cashback and package deals assessed on merit, not marketing
- Discharge and settlement coordination with both lenders
3. First Home Buyer Support
We guide first home buyers through deposits, lender credit policies and the Victorian concessions that may apply, then match you to a loan that leaves room to actually live your life.
- Deposit and genuine savings strategy
- First Home Owner Grant and stamp duty concession guidance
- Family guarantee and low-deposit options explained plainly
4. Investment Property Loans
Structuring an investment loan well can make a real difference to long-term returns. We help you weigh interest-only against principal and interest, access equity in your existing property and plan your next purchase.
- Equity release and loan structure modelling
- Serviceability assessments for your borrowing capacity
- Referrals to trusted accountants for tax strategy
5. Business and Commercial Lending
For business owners and professionals, we arrange commercial property finance, business loans, equipment finance and working capital facilities — approached with the same rigour as a consulting engagement.
- Commercial property and equipment finance options
- Low-doc and full-doc pathways for different business structures
- Cash flow facilities aligned to your trading cycle
6. Construction and Renovation Loans
Building or renovating involves a very different lending process. We manage progress-draw construction loans, vacant land purchases and major renovation finance, keeping your builder and your lender in step.
- Progress payment scheduling and draw-down management
- Vacant land and house-and-land package finance
- Major renovation and owner-builder lending pathways
Transparent, Consulting-Style Advice
We operate like a professional consulting practice: a clear scope, documented recommendations and no surprises. Your first consultation and quote are free, and we only proceed once you are comfortable with the numbers.
- Written loan comparisons, not just verbal advice
- Clear disclosure of how brokers are remunerated
- Ongoing annual reviews after settlement
How Our Process Works
Five clear steps from first conversation to settlement — and beyond. Timelines vary by lender and loan type, and we keep you updated at every stage.
1
Free discovery consultation
A relaxed conversation about your goals, income, debts and timeline — by email, video meeting or in person around Melbourne.
2
Financial health check
We assess your borrowing capacity, review your situation and provide a simple document checklist so nothing stalls later.
3
Lender comparison
We compare rates, fees and features across our panel of banks and non-bank lenders, then present a written recommendation.
4
Application and approval
We prepare and lodge your application, coordinate valuations and follow up lender conditions on your behalf.
5
Settlement and ongoing reviews
We coordinate with your solicitor or conveyancer through settlement, then check in annually to make sure your loan still fits.