Helping you secure the right home loan
Looking for a trusted mortgage broker in Melbourne? Explore Lending is here to make your home loan journey simple, stress-free, and tailored to your needs. Whether you’re buying your first home, refinancing, or investing, our experienced team works with over 30 lenders to help you find the best option.
First home loan?
From Can I buy? to Keys in hand
We support first home buyers through every step — from working out your borrowing power to unlocking first home buyer loans and low deposit options. Yes, even the paperwork.
Refinance home loan?
Looking for a better rate?
We compare your existing loan with 30+ lenders to help you refinance your home loan — often unlocking lower repayments, and flexible features.
Investment property loan?
Build wealth with the right loan
Whether you’re buying your second property or growing a portfolio, we help you compare tailored investment property loans — so your money works smarter.
Overwhelmed by home loan options?
With hundreds of products and lenders out there, it’s easy to feel lost, confused, or worried about making the wrong choice. You’re not alone—and you don’t have to figure it out on your own. At Explore Lending, we cut through the clutter to simplify your options and find a loan that truly fits your life and goals.
The cost of choosing the wrong home loan
Even a small difference in interest rates or loan features can cost you thousands over time. From hidden fees to inflexible terms, the wrong loan can limit your lifestyle and financial goals. We help you make confident, informed decisions—so your loan works for you, not against you.
Expert mortgage advice, tailored to your goals
At Explore Lending, we don’t just compare home loans — we help you feel confident at every step. As your independent mortgage broker in Melbourne, we explain your options, manage the paperwork, and guide you to the loan that fits your life. Whether you’re buying, refinancing, or investing, we’re here to help you make smarter, stress-free property decisions.
Explore our calculators
Need answers fast? Our easy-to-use calculators can help you estimate repayments, check your borrowing power, and calculate stamp duty.
How Much Can I Borrow?
Calculate your borrowing capacity based on your income and expenses.
Stamp Duty Calculator
Quickly estimate stamp duty costs based on your property price and location.
Why use Explore Lending?
Personalised Lending Advice
We take time to understand your goals before recommending a loan.
Fast Pre-Approvals
Get moving sooner with streamlined pre-approval support.
Simple, Stress-Free Process
We make every step easy—no jargon, no overwhelm.
Support Beyond Settlement
We’re here to help with questions long after your loan settles.
Access to 30+ Lenders
We compare more options to find the right fit for your needs.
Independent, Client-Focused
As a broker, we work for you—not the banks.
Ready to explore your loan options ?
What our clients say about working with Explore Lending
Whether it’s securing a first home loan, refinancing for a better rate, or investing in property, we’re proud to guide clients through each step with confidence and clarity. Here’s what a few of them have to say:
“As a first home buyer, I really appreciated how clearly Shannon explained the whole process from start to finish. He made everything easy to understand and kept me updated every step of the way. I was especially impressed with how quickly he secured my pre-approval for my first home loan.”
“Shannon helped me refinance my home loan and took the time to search for the best deals that suited my needs. He clearly explained all the refinance options available, making what felt like a complicated process much easier to understand. Thanks to his guidance, I’m now on a better rate and have set up an SMSF commercial investment for the future.”
“Shannon provided clear, strategic advice to help me plan my next property investment through my SMSF. He explained the different investment loan structures in detail, so I felt confident making decisions for my portfolio. With his guidance, I’m now ready to move forward with my next commercial property purchase.”
Mortgage frequently asked questions
We know that applying for a home loan comes with lots of questions. Whether you’re buying your first home, refinancing, or investing, here are some of the most common questions we get — and the straightforward answers that can help you move forward with confidence.
How much can I borrow?
Your borrowing power depends on your income, expenses, debts, and deposit size. Use our home loan calculator for a quick estimate, or book a call for personalised advice.
Can I get a loan with a low deposit
Yes — some lenders accept deposits as low as 5%, especially for eligible first home buyers. We’ll help you compare low deposit home loan options and see if any grants apply.
What are the advantages of refinancing my mortgage?
Refinancing can help you access a lower interest rate, reduce repayments, or unlock equity. We’ll compare 30+ lenders to find out if you could save.
Do mortgage brokers charge fees or commissions?
Nope! Our service is 100% free to you. We’re paid by the lender after your loan settles — and our advice is always in your best interest.
Can a broker help me get an investment property loan?
Absolutely. We help investors secure the right investment property loans, with features that support your financial strategy — including interest-only and equity access options.
Ready to explore your options?
Work with a mortgage broker Melbourne homeowners trust. At Explore Lending, we’re here to make home loan advice easy and personal. Whether you’re buying your first home, refinancing, or investing, we’ll help you explore the right lending options—without pressure or confusion.
Your next move starts with a conversation.
At Explore Lending, we help first home buyers, property investors, and homeowners across Melbourne and beyond access the best home loan options available. As an independent mortgage broker in Melbourne, we compare over 30 lenders to find the right loan for your goals — whether you’re buying your first home, refinancing for a better rate, or expanding your investment portfolio.
Our personalised approach ensures you’re not just getting a loan — you’re getting the right advice, support from application to settlement, and a mortgage strategy that works for your future. From fixed and variable rate loans to low-deposit options and offset accounts, we simplify every step of the process.