Opes Financial

A Melbourne mortgage broker with a 50+ lender panel.

A Melbourne mortgage broker across home loans, refinancing, investment lending and SMSF property loans. Authorised Credit Representative (CR 45250) of Outsource Financial.

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Yarra River curving past Docklands toward the Melbourne CBD at twilight.

Where we meet, how we work.

The office is at Suite 11.18, 401 Docklands Drive. Most application files never need to be printed. Documents move through secure upload, applications submit electronically, and progress is tracked through the Outsource Financial CRM with email and phone updates.

In-person appointments suit borrowers who prefer to sit across the desk and walk through scenarios. Video works for everyone else, especially clients in the inner-east, bayside, or out in the growth corridors who would rather not lose half a day to traffic on the M1.

Hours run 8am to 7pm AEST, so calls outside the standard 9-to-5 are easy to book. For Docklands walk-ins specifically, see the Docklands appointments page.

Loans we arrange for Melbourne borrowers.

01

Owner-occupied home loans

Variable, fixed, split, with or without offset. Sized to the borrower's actual income profile, not the headline rate.

02

Refinancing

Rate-driven reviews, equity release, debt consolidation. Most Melbourne mortgages older than two years are worth a fresh look.

03

First home buyer loans

Guidance on the Victorian stamp duty concession, FHOG eligibility, and the Home Guarantee Scheme. Common in the growth corridors.

04

Investment property loans

Interest-only and P&I, LVR positioning, portfolio structuring. Many Melbourne clients buy interstate through the same panel.

05

Commercial property loans

Owner-occupier commercial, investment commercial, and rental-income-led structures across metro Melbourne.

06

SMSF property loans

Limited Recourse Borrowing Arrangements, residential and commercial. SMSF-specialist lenders coordinated with the trustee's accountant.

07

Construction and bridging

Progress draws, end debt, short-term bridging between settlements. Useful for upgraders not yet free of the previous mortgage.

08

Car and personal loans

Through the same lender panel where it makes sense. Less common than residential, but available when needed.

The 50+ lender panel for Melbourne borrowers.

50+ lenders via Outsource Financial. The six listed below are the lenders we send the highest volume to. Rate tables are not displayed because pricing is policy-driven and depends on credit profile, LVR, and loan purpose. For a rough monthly figure before any application, have a look at the home loan repayment calculator, or the refinance break-even tool for an existing mortgage.

SMSF-specialist lenders sit on a smaller, more cautious panel. For trustees, the SMSF property lending list is short and the policy work is the harder part.

Used regularly
  • ANZ
  • NAB
  • ME Bank
  • Bendigo Bank
  • Mortgage Ezy
  • La Trobe Financial
SMSF specialists
  • La Trobe Financial
  • Mortgage Ezy
  • Pepper Money
  • Granite Home Loans

The Melbourne loan profile we see most often.

Typical loan sizes across the practice run between $500,000 and $800,000. Where the file sits inside Melbourne is a fair predictor of the structure.

Inner-east
Owner-occupier upgraders

Hawthorn, Camberwell, Kew, Balwyn. Families moving up. Larger loan sizes, often with bridging.

Bayside
Lifestyle and downsizers

Brighton, Hampton, Sandringham. Owner-occupier and a thinner slice of investors.

Inner north and west
First home and renovator

Brunswick, Northcote, Yarraville, Footscray. Entry-level stock, often with FHOG eligibility. See first home buyer guidance.

Growth corridors
First home and investors

Tarneit, Truganina, Wollert, Cranbourne. New build and house-and-land, often with construction draws.

SMSF lending, a Melbourne specialty.

Most brokers can write an SMSF loan once or twice. Across the practice, there are 30+ SMSF loan clients on the books. The advice and the lending sit under the same practitioner, which most other Melbourne brokers cannot offer.

SMSF property lending
30+
SMSF loan clients
4
SMSF-specialist lenders

Common questions from Melbourne borrowers.

For most borrowers there is nothing to pay, which changes the question. On residential lending the broker is paid by the lender on settlement, so the comparison is not broker-versus-free — it is one lender's product range versus a panel of them. It is worth it when your file is not vanilla: self-employed income, a recent job change, an SMSF, or a deposit that needs structuring. If you are a straightforward PAYG borrower with a large deposit and your own bank has a sharp rate, going direct is a perfectly sensible answer and we will tell you so.
Three real ones. A broker can only recommend from their panel, so a lender outside it is invisible to you — ours runs to 50+, but no panel is every lender, and a few lenders deal direct only. Commission is paid by the lender, which is a conflict the law manages through disclosure and a best-interests duty rather than removing it. And a broker adds a step: if your file is simple and your own bank is competitive, that step buys you little. Our Credit Guide sets out exactly who pays us and how much, before you apply.
Nothing — the honest answer is that withholding is what costs you. Undisclosed debts, a buy-now-pay-later account, a recent credit enquiry or a second job all surface in the bank statements and the credit file anyway, and finding them at assessment is what turns an approval into a decline. Telling the broker early lets the file go to a lender whose policy fits. The only thing worth holding back is a number you have not verified, because a guessed income figure that later moves is what unwinds a pre-approval.
There is no single best, and any page ranking one is usually paid to. What is worth checking: that they hold a credit licence or are an authorised credit representative (ours is CR 45250 of Outsource Financial, verifiable on ASIC Connect), how many lenders are actually on the panel, whether they will show you the comparison rather than just the recommendation, and whether they handle the awkward files — self-employed, SMSF, expat — or refer them away.
There is no single income figure, because lenders do not assess the rate you are offered — they assess it with a buffer on top, currently around three percentage points, and then subtract your living expenses, existing debts and card limits. Two households on identical incomes can get very different answers depending on dependants, HECS and credit limits. The borrowing capacity calculator on this site models it properly, and a pre-approval turns the estimate into a number a lender will stand behind.
From submission, lender turnaround is typically three to seven business days for straightforward PAYG files. Self-employed and SMSF files take longer because the supporting documents are heavier.
Nothing upfront for residential lending. Broker commission is paid by the lender on settlement, disclosed in the Credit Guide before any application is submitted. We do not charge a separate borrower fee on residential files.
Yes. The panel includes lenders with sensible policy on self-employed PAYG mixes, alt-doc lending, and recent business start-ups. Two years of tax returns is the standard ask, with workarounds when the file warrants them.
Commercial, yes. Residential, no longer for new arrangements. From 10 August 2026 an SMSF cannot enter a new limited recourse borrowing arrangement to buy residential property; commercial LRBAs are unaffected, and existing residential loans are grandfathered and may be refinanced provided the principal does not increase. Specialist lenders remain active on the commercial side, and the harder work is still the structural and accounting side, which we coordinate with the trustee's accountant.
No. Melbourne clients regularly buy interstate, particularly in Brisbane and regional NSW. The lender panel is national. The broker does not change with the asset location.

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Bring rough numbers, leave with a plan.

The first conversation is free. Income, deposit, and a property target if you have one is all we need to start.

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Call 1300 67 37 37