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Top One Finance

Updated 2026-08-01 · 5,295 reviewed · 601 listed · Scored from 323 Google reviews · How we rank ›

5.0(323) 95 composite score See reviews on Google ✓ Google-verified
Investment Property LoansCommercial & Business FinanceReverse Mortgage & Retirement FinanceMortgage Broker
Top One Finance
Services
Investment Property Loans, Commercial & Business Finance, Reverse Mortgage & Retirement Finance
Reviews
323

What recent reviews say

Reviewers consistently report a caring, patient team that explains the loan process step by step and stays in touch throughout. Staff handle settlement issues calmly and keep clients updated at every turn, making stressful moments feel managed and transparent.

The business works across refinancing, first home purchases, and investment deals. Named team members like the team, the team, the team, the team, and the team are praised repeatedly for showing genuine interest in clients' outcomes rather than rushing deals through.

Praised for
  • attentive and responsive communication
  • genuinely caring approach
  • professional and knowledgeable team
  • patient guidance through complexity
  • smooth and stress-free process
responsive-communicationwent-above-and-beyondexplained-clearlyprofessional-and-honestgreat-for-first-home-buyerspersonalised-servicesmooth-settlement
Best for: first home buyers needing patient, detailed guidance and personal attention throughout the loan process

Strengths

  • patient, step-by-step guidance
  • personal one-on-one service
  • transparent communication
  • handles settlement issues proactively

What reviews say by service

refinancing
Praised for patient explanation, proactive rate shopping, and smooth handling of refinance decisions
First Home Buyer Loans
Reviewers highlight calm guidance through complexity and patient answers to basic questions
Investment Property Loans
Team manages portfolio expansion advice with care and attention to individual needs
Mortgage Broker
Consistently noted for genuine commitment to best outcomes rather than quick settlements

How it compares

  • Rated 5 against a 4.96 average across the 321 investment property loans businesses listed here.
  • Has more Google reviews than 95% of the businesses in this directory.

How we scored this

How We Score
Star rating 100
Review volume 100
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
318
4
5
3
0
2
0
1
0

Common questions

What happens if there are issues during settlement?
The team handles settlement problems calmly and professionally, keeping you updated in real time so you're never left in the dark
How much hand-holding will I get as a first home buyer?
Staff walk you through every step, answer questions no matter how basic, and explain options clearly without pressure
Request a quote

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Reviewers consistently report smooth, stress-free loan approval processes backed by staff who answer every question without hesitation and check in proactively. First home buyers and investment property owners both highlight how complex steps became manageable through phone calls that spelled everything out plain. The team earned trust by securing loans in weeks where customers had struggled for years, and they keep reviewing existing mortgages months later to hunt down better rates. No reviewer reported being left uncertain or rushed.

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MoneyQuest (Australia)
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MoneyQuest (Australia)

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Most clients praise the team's dedication, transparency, and willingness to go beyond standard service. However, experiences vary markedly: some brokers disappear after initial contact, others explain loan terms poorly, and a few left clients with unexpected rate changes and missed deadlines. Staff names appear frequently in glowing reviews, but consistency remains the weak spot.

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Break Free Home Loans Melbourne
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Break Free Home Loans Melbourne

5.0(103)✓ Google-verified

Every review across this portfolio reads as a five-star endorsement, with borrowers consistently naming their broker for securing better rates and guiding them through complex applications without the usual anxiety. The standout thread: staff make time for each question, keep clients updated, and treat the process more like a partnership than a transaction, which matters most to those refinancing under pressure or facing hurdles others rejected them for. Their website claims over 20 years in the market and coverage across Melbourne and Victoria. Services span first-home packages through investment loans, bad-credit and non-resident pathways, construction finance, and refinancing. No pricing details appear in reviews or online, so borrowers should call to compare rates and fees against their own circumstances.

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Last updated 2026-08-01