Looking for the best mortgage broker in Melbourne

Why nobody can honestly tell you they are the best

There is no ranking body for mortgage brokers. No regulator scores us, no independent panel awards a title, and the broker at the top of the search results is there because they paid for the position. So when a broker calls themselves Melbourne's best, they are describing an opinion they hold about themselves.

ASIC takes the same view. Its guidance on advertising credit services, rewritten in June 2026, is that a claim has to be substantiable, and that a disclaimer at the bottom cannot fix a headline that has already given the wrong impression. We would rather show you the evidence and let you decide.

What we can actually show you

Five things, all of which you can confirm without taking our word for any of them.

The Google rating is the one that matters most, because it is the only one we do not control. Twenty-six people took the time to write about what it was like to work with Shaheera, and none of them were paid or prompted with a script.

What actually separates one broker from another

Almost every established broker in Melbourne works with 30 to 60 lenders. Past a certain point the number stops meaning anything, because nobody places loans with all sixty. What actually decides whether your application is approved is who reads your file at the other end and whether the broker knew what that person was going to ask.

Shaheera spent more than two decades inside a major bank's lending operation, a lot of it close to credit. She has read thousands of applications as the person deciding them. Most declines are not about affordability. They happen because the file did not answer the question the assessor was always going to ask, and answering that question before it is asked is most of the job.

This matters most if your income is not a flat salary. Overtime, shift penalties, commission, contract work, a business you own, casual hours: every lender treats these differently, and the gap between the most generous and the least is often the difference between buying this year and waiting another one.

How to check any broker in about a minute

This works on us and on everyone else.

• Ask for their credit licence or credit representative number, then look it up on ASIC Connect. Anyone who has to go hunting for their own number is a bad sign on its own.
• Read the reviews for what they describe, not how many stars they have. A review that names a specific problem the broker solved is worth ten that say "great service".
• Ask how they get paid. Brokers are paid a commission by the lender when a loan settles, which is why there is no cost to you. Any broker worth using will explain it plainly.
• Ask whether they have placed a file like yours before, and what happened.
• Notice whether they will tell you something you did not want to hear. A broker who says "wait six months, and here is why" is worth more than one who says yes to everything.

There is a longer version of this in our guide to choosing a mortgage broker in Melbourne, including the warning signs worth walking away from.

What happens if you call us

Shaheera answers the phone herself, and she calls every enquiry back the same business day, usually within a couple of hours. The first conversation costs nothing, commits you to nothing, and does not require a single document. You will get a straight answer on what you can borrow, which lenders fit, and whether now is even the right time.

If the honest answer is that you are already in a good position and should leave things alone, you will be told that. It happens more often than you would think.

The legal details

Exceed Finance Pty Ltd (ACN 618 917 918) is a Credit Representative (000499740) of Connective Credit Services Pty Ltd, Australian Credit Licence 389328. Australian brokers are bound by a best interests duty, which means we are legally required to act in your interest rather than the lender's. This page is general information only and does not take your circumstances into account. Ratings and review counts on this page were current at 30 August 2026 and are pulled live from our Google listing.