Melbourne mortgage & finance broker

Home Loans, Refinancing & Business Finance — Made Simple

We help you secure the right lending solution without the noise, the bank runaround, or the feeling that you need a translator just to understand your options.

Home loans & refinancing
Business & commercial finance
Vehicle & equipment finance
Guidance through to settlement
5-Star Rated Across 35+ reviews
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Est. 2001 25 years in Melbourne
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Independent Broker We work for you, not the banks
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Free Consultation No obligation, no jargon

What We Help With

Whether you're buying, refinancing or growing a business, we focus on what matters to you — clear options, the right structure, and a smooth path to approval.

Home Loans & Refinancing

For purchases, refinancing, investing, first home buyers and borrowers who just want a better structure.

  • Owner occupied & investment
  • Refinance and rate reviews
  • First home buyer support

Business & Commercial Finance

Funding for growth, commercial property, working capital, and deals that need a bit more thought.

  • Commercial property lending
  • Business funding options
  • Self-employed borrowers

Vehicle & Equipment Finance

Cars, machinery, equipment and asset purchases without the paperwork headache swallowing your week.

  • Cars and commercial vehicles
  • Machinery & equipment
  • Flexible finance structures

Client Testimonials

Don't just take our word for it — here's what our clients say.

★★★★★

"Awesome service, dug me out of a deep hole for a development project. Highly recommended."

GlennClient testimonial
★★★★★

"I would highly recommend Money Simplicity and Melinda to anyone who needs a broker. The refinance was long and drawn out, but the updates made it a lot easier and eased our minds."

Helen and StephenClient testimonial
★★★★★

"I found them to be very professional in every way. They met our needs and beyond. They were always there and straight onto something for us."

Ben and EmilyClient testimonial
★★★★★

"Nothing was too much trouble. Everything was explained clearly and your company secured a loan for us that was better than we had hoped for."

MartinClient testimonial
★★★★★

"Very efficient service. Friendly and warm."

TahliClient testimonial
★★★★★

"Excellent service and very responsive to my needs. I would definitely recommend to family and friends. Keep up the good work."

DeanClient testimonial
★★★★★

"Helpful and friendly at a time when the banks were not being helpful and friendly."

Neil and JoanClient testimonial
★★★★★

"Thanking you so much for all your help during our refinance. We both found you so easy to deal with and a pleasure to do business with."

Sally and MichaelClient testimonial
★★★★★

"Melinda is fabulous to work with. Very approachable and friendly. Always keeping us updated with the paperwork. She instantly becomes a friend."

Grant and KimClient testimonial
★★★★★

"Was extremely happy with the service and advice we received from Melinda. Have used her three times now and will be future clients."

Benjamin and ShannonClient testimonial
★★★★★

"Simply sensational is the only way to describe the service we were given. Attention to detail, fast and efficient response to requests, all delivered with a friendly smile."

Derek and PhillipaClient testimonial
★★★★★

"Fab service, that went without a hitch!"

GregoryClient testimonial
★★★★★

"Smooth!"

Craig and SueClient testimonial
★★★★★

"Absolutely fabulous — took a great weight off our minds. Can only give praises to all the team."

Alicia and WarrickClient testimonial
★★★★★

"Melinda made the whole process so simple and easy. We could not understand why the other broker made it so complicated."

Barbra and MichaelClient testimonial
★★★★★

"Melinda was efficient and concise with the set-up and made the whole process appear seamless. I would highly recommend Money Simplicity to my friends and family."

AleksandraClient testimonial
★★★★★

"Melinda was very helpful, and just made everything so easy for me."

GaryClient testimonial
★★★★★

"Melinda was fantastic — she helped with any little questions that I had regarding the loan."

AndreaClient testimonial
★★★★★

"I always deal with Melinda, who I find very friendly. She is exceptionally customer-focused and follows up continually."

GeorgeClient testimonial
★★★★★

"Extremely happy with every part of the process and have already recommended Money Simplicity to my friends and work associates."

JenniferClient testimonial
★★★★★

"Once again thank you for all your help. Wouldn't deal with anyone else."

Tom and AnnaClient testimonial
★★★★★

"Many thanks for your above and beyond the call of duty, help, advice and assistance."

VickyClient testimonial
★★★★★

"The service provided by your company was excellent, especially the follow-up regarding settlement. Thank you."

BronyaClient testimonial
★★★★★

"Thank you for your professional approach in attending to our needs."

MauriceClient testimonial
★★★★★

"I think you are all amazing and helped us out every step of the way. Thank you so much."

John and KimberleyClient testimonial
★★★★★

"Thank you for responding to all my questions and concerns so patiently. It was very reassuring throughout what was a fairly nerve-racking experience for me."

HelenClient testimonial
★★★★★

"Friendly service that made you feel very confident and comfortable."

Lisa and MarcClient testimonial
★★★★★

"Through a very stressful six or more months, Melinda carried us through the fog of finance step by step with persistence, tolerance and reassurance."

Andrew and VeronicaClient testimonial
★★★★★

"You helped us achieve our dream. You helped us when we needed answers; you were always helpful and so kind."

Andrew and JasminClient testimonial
★★★★★

"Overall, we were extremely happy with your excellent service. You made time to explain everything and put us at ease."

Dean and MelanieClient testimonial
★★★★★

"A very friendly yet professional approach. All aspects were explained in detail to us. Very happy with the service received."

Joe and FilomenaClient testimonial
★★★★★

"My loan was handled by a very professional and understanding team. I am very appreciative of the time they had for me."

TeresaClient testimonial
★★★★★

"My loan application was very pain free!"

TriciaClient testimonial
★★★★★

"Thank you all so much for your patience, professionalism and perseverance. You made it all very straightforward and took much of the worry away."

JulieClient testimonial
★★★★★

"Money Simplicity really helped us. We enjoyed the experience."

Aron and CalleyClient testimonial
★★★★★

"Excellent service. I'm always telling people to call you."

Daniel and SandraClient testimonial

Our Simple Process

It should not feel like applying for finance is a second job. We make it simple so you feel comfortable every step of the way.

1

Tell Us Your Goals

A quick conversation about what you are trying to do, what matters most, and what has already been tried.

2

We Compare Lenders

We review suitable options, structures and lenders so you are not stuck trying to decode it all alone.

3

You Secure the Right Loan

We guide the application through to approval and settlement, and keep things moving when they go a bit sideways.

About Money Simplicity

The whole point of the brand is right there in the name — cut the clutter, explain things properly, and help clients make confident decisions.

Melinda, founder of Money Simplicity
Melinda
Founder & Principal Broker
Est. 2001  ·  25+ years in Melbourne finance

Melinda has been helping Melbourne families and businesses navigate finance since 2001. Her clients keep coming back — and keep sending their friends — because she listens, explains things in plain English, and actually follows through.

Clear advice tailored to your situation
Support for straightforward and more complex deals
Hands-on guidance through the full process

Why People Work With Us

Not because the website uses fancy words. Because they want someone who listens, structures things properly, and actually follows through.

  • Client-first, practical recommendations
  • Responsive communication throughout
  • Home, business and asset finance under one roof

Ready to Get Started?

Whether you are ready to move now or just want to know if there is a better option, start here.