Melbourne office Ground Floor, 68-72 York Street, South Melbourne VIC 3205
Phone (03) 8548 6454
29+ Years advising Australians
6,000+ Clients across the country
$2.5B Funds under advice
6 Offices nationally
— Mortgage Broking in Melbourne
A broker who sees the whole picture — all online.
A mortgage is rarely just a mortgage — it sits inside your tax position, your investment plan and your long-term goals. Most brokers only see the loan. Because AGS combines mortgage broking with financial planning and accounting under one roof, your lending is structured to work with the rest of your finances, not against them.
For Melbourne clients the whole process runs remotely — phone, email, video and secure online document upload — and is coordinated with the planning team at our South Melbourne office. We compare loans across a large panel of banks and lenders, handle the paperwork and lender negotiation, and stay with you from pre-approval to settlement.
For investors and the self-employed in particular, having a broker who can also speak to your accountant — on the same team — is a genuine advantage.
— What we do
How we help buyers, investors & refinancers
First home buyers
Borrowing power, deposit strategy and access to Victorian grants, stamp duty concessions and the Home Guarantee Scheme.
Learn more →Refinancing
Reviewing your current loan for a sharper rate, debt consolidation or equity release — and managing the switch.
Learn more →Investment property loans
Interest-only vs P&I, offset and equity structures, and lender appetite for Melbourne investment suburbs.
Learn more →Construction & renovation
Progress-draw construction loans and renovation finance, coordinated with your builder's timeline.
Learn more →Self-employed lending
Lenders who take a sensible view of business income, BAS and add-backs — presented by our accounting team.
Learn more →Pre-approval
A realistic, lender-checked borrowing position before you bid or buy, so you negotiate with confidence.
Learn more →— Local knowledge
Melbourne lending, handled remotely.
Melbourne is one of Australia's most competitive property markets, with strong price variation between the inner suburbs, the growth corridors and the bayside. Lender appetite, valuations and serviceability all shift by postcode — and none of it requires an in-person broker to navigate.
We arrange finance for Melbourne buyers and investors entirely online, from first home buyers in the north and west to upgraders and investors across the inner suburbs and bayside — with the option to meet our advisers at our South Melbourne office whenever it suits.
Book a free initial discussion— Also in Melbourne
One team, every service.
— Questions answered
Mortgage Broking in Melbourne
— your questions.
Can't find what you need? Call us on (03) 8548 6454.
How does the mortgage broking process work for Melbourne clients?
Entirely remotely, and it's designed to be easy. AGS's broking team works with Melbourne clients by phone, email, video and secure online document upload — from your first chat through to settlement. Your finance is also coordinated with the planning team at our South Melbourne office, so the loan fits your broader plan.
What does a mortgage broker cost?
In almost all cases, nothing. Brokers are paid a commission by the lender once your loan settles, so our service is generally free to you. We're legally required to act in your best interests, and we'll always tell you upfront if any fee could apply to your situation.
Can you help first home buyers access Victorian grants and concessions?
Yes. We help Melbourne first home buyers structure finance around the Victorian First Home Owner Grant and stamp duty concessions, and the federal Home Guarantee Scheme where eligible — all handled remotely. We'll model your real borrowing power and deposit position before you start house-hunting.
I'm self-employed — can you still get me a home loan?
Yes. Self-employed and contractor lending is one of the biggest reasons clients use a broker. We know which lenders take a sensible view of business income, BAS and add-backs, and — because AGS has its own accounting team — we can present your financials exactly the way lenders need to see them.