Frequently asked questions

A mortgage broker negotiates with banks and lenders on your behalf. As well as finding a loan that’s tailored to your needs, a mortgage broker can save you time and money. At PAT Finance, we compare hundreds of loan products, so you don’t have to. We also prepare all paperwork, including your loan application, to maximise your chances of success.

Most banks offer a small selection of loan products, while mortgage brokers have access to a variety of lenders. That means you have more options – and more chance of getting a better deal. A mortgage broker can also help you get finance in circumstances where banks may make it difficult. For example, if you’re self-employed or have an impaired credit history.

As soon as you can. A mortgage broker can make the process of financing your first home much easier. As well as advising on first home buyer loans, we assess your borrowing capacity and eligibility for the First Home Owners Grant (FHOG). That means you’ll have a clear idea of your budget before you start shopping. We also prepare all your paperwork, including your FHOG application.

Absolutely nothing. We offer a free assessment, expert advice and a full-service lending solution – from finding you the perfect loan to filling out your paperwork. There’s no cost, no obligation, and nothing to lose.

Yes. At PAT Finance, we offer more than just home loans. Our broking service includes business loans, car loans, debt consolidation and more. Whatever your finance needs, we can help.

We do our absolute best. Even when others have said ‘no’, we go the extra mile to find a lender who says ‘yes’. We know how to present your application in a way that increases your chance of success. We have a strong track record of securing loans for applicants who have previously been rejected, including self-employed and credit impaired applicants.

Unlike some other mortgage brokers who make unrealistic promises or steer you towards certain products, we are unbiased and independent. Our finance team has over 35 years of combined experience in mortgage broking, taxation and accounting, so we can provide advice beyond that of an average mortgage broker. Learn more about our experience and difference here.

Our office is located in Melton, but we work with clients across Melbourne’s western suburbs, including Bacchus Marsh, Sunbury, Caroline Springs and beyond.