Best commercial & business finance brokers in Melbourne
Looking for a home loan specifically? See our separate list of the best mortgage broker overall. The picks here are ordered by composite score, weighted toward firms with strong volume and sentiment on commercial and business lending work.
Picks are ranked by score and relevance to commercial & business finance, so a lower overall score can rank higher here.
At a glance
| # | Business | Score | Rating | From | Best for |
|---|---|---|---|---|---|
| 1 | Inovayt | 95 | 5 (1004) | — | All-round finance specialist, high volume |
| 2 | Confiance Finance | 95 | 5 (210) | — | Fast turnaround on commercial deals |
| 3 | Investors Mortgage | 94 | 5 (190) | — | The team-city businesses needing consistency |
| 4 | Borg Financial | 91 | 5 (89) | — | Complex or drawn-out applications |
| 5 | ActOn Wealth | 87 | 4.9 (75) | — | Combined finance and wealth planning |
| 6 | Beyond Accountancy Services | 85 | 4.8 (99) | — | Tax-aware business finance advice |
| 7 | Open Home Loan | 82 | 4.9 (79) | — | Ethical, low-pressure lending advice |
| 8 | Melba Mortgage Broker Melbourne | 73 | 5 (9) | — | Hands-off paperwork handling |
| 9 | Premium Lending Group | 77 | 5 (7) | — | Commercial and residential mix |
| 10 | Mortgage Choice in Port Melbourne - Chris Howitt | 72 | 4.9 (60) | — | The team-term, multi-property relationships |
Ranked picks
Inovayt
Why it ranks first
With over 1,000 reviews and a perfect rating, Inovayt has the deepest track record on this list across refinancing, investment lending and business finance. Staff are described as tracking every application milestone and finding better terms than competing brokers, which matters most when a business loan structure gets complicated.
Pros
- Finds better rates than competing brokers
- Detailed, patient explanation of each step
- The team complex applications confidently
- The team clients updated throughout
Services: first home buyer, investment property loans, commercial finance, reverse mortgage
Confiance Finance
Why it ranks second
Confiance Finance handles investment, refinancing and commercial deals with a reported two-day pre-approval turnaround and no complaints across 210 reviews. Clients describe repeat business and referrals, treating the broker relationship as ongoing rather than a one-off transaction.
Pros
- Same-day or two-day pre-approvals
- The team follow-up without prompting
- The team rates across multiple lenders
- The team-settlement support including rate discounts
Services: investment property loans, commercial finance, reverse mortgage, mortgage broker
Investors Mortgage
Why it ranks third
Investors Mortgage backs up nearly 200 five-star reviews with fast approvals and transparent terms, operating across four Australian cities. That reach suits a business with lending needs beyond Melbourne alone, without losing the responsiveness reviewers call out.
Pros
- Loan approvals reported in days
- Transparent rates and terms
- Available across four Australian cities
- Reduces paperwork anxiety with clear updates
Services: first home buyer, investment property loans, commercial finance, reverse mortgage
Borg Financial
Why it ranks fourth
Borg Financial's team is singled out for staying engaged on applications that dragged on for a year through obstacles, chasing paperwork and keeping borrowers informed throughout. Reviewers highlight staff answering calls immediately, useful for businesses whose finance needs don't fit a standard template.
Pros
- 24-hour approval possible on some deals
- Staff answer calls immediately
- The team complicated or unusual applications
- The team engaged through long or difficult processes
Services: investment property loans, commercial finance, reverse mortgage, mortgage broker
ActOn Wealth
Why it ranks fifth
ActOn Wealth pairs mortgage broking with financial planning and superannuation advice, useful for a business owner wanting lending and broader financial strategy under one roof. Most clients report plain-language advice and quick approvals, though the record isn't spotless.
Pros
- Jargon-free explanations for non-financial clients
- Personalised strategy tied to broader goals
- Fast approvals when the team handles the deal
- Ethical/responsible investment options available
Watch out: One reviewer reported a six-month process and questioned whether fees matched independence of advice.
Services: first home buyer, commercial finance, mortgage broker
Beyond Accountancy Services
Why it ranks sixth
Beyond Accountancy Services brings tax expertise into the finance conversation, useful for business owners and investors with complicated returns alongside their lending needs. Reviewers note quick turnarounds even on complex tax situations.
Pros
- The team turnaround on complex tax returns
- Strong knowledge of investor and expat situations
- Clear, detailed communication
- The team repeat-client base
Watch out: A recent complaint flagged unresponsiveness to callback requests.
Services: first home buyer, investment property loans, commercial finance, mortgage broker
Open Home Loan
Why it ranks seventh
Open Home Loan's reviewers repeatedly describe staff prioritising client interest over commission, actively monitoring rates after settlement to find savings. That client-first approach carries over well to businesses wary of being sold a product rather than a fit.
Pros
- Active rate monitoring after settlement
- Advice without pushy sales tactics
- Staff take time explaining loan terms
- The team complex income situations
Watch out: Lower review volume and older recency than the top names on this list.
Services: first home buyer, investment property loans, commercial finance, reverse mortgage
Melba Mortgage Broker Melbourne
Why it ranks eighth
Melba Mortgage Broker Melbourne has a small but perfect review base, with every reviewer praising speed and the broker's willingness to take on the paperwork burden entirely. Worth a look if administrative load is the main pain point in arranging finance.
Pros
- The team all paperwork and admin
- The team turnaround reported
Watch out: Only 9 reviews, so the track record is thin compared to others on this list.
Services: first home buyer, commercial finance, mortgage broker
Premium Lending Group
Why it ranks ninth
Premium Lending Group's seven reviews are all five stars, with specific mentions of handling commercial as well as residential lending and pushing through stressful settlements without delay. A small but clean record for businesses wanting a broker comfortable with both loan types.
Pros
- The team complex lending scenarios
- Fast settlement turnaround
Watch out: Very small review count (7) limits how much confidence to place in the pattern.
Services: reverse mortgage, mortgage broker, commercial finance
Mortgage Choice in Port Melbourne - Chris Howitt
Why it ranks tenth
Mortgage Choice in Port Melbourne earns praise for sticking with clients through multi-year purchasing journeys and repeated refinances without losing focus. That patience suits a business relationship expected to span several finance rounds rather than a single transaction.
Pros
- Experienced team with deep knowledge
- Patient support across multi-property journeys
- Clear step-by-step guidance
- Responsive across multiple refinances
Watch out: Recency score is notably lower, worth checking how current their reviews are before committing.
Services: first home buyer, reverse mortgage, mortgage broker, commercial finance