No mortgage too tough to conquer. We are your Expert Mortgage Brokers.
At Lime Financial Services, we secure approvals where others meet dead ends. Count on us for personalised guidance on your mortgage journey.
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Starting Your Home Loan Journey?
Please select the one that best describes what you need help with:
Purchase your First Home
Embark on the journey of homeownership with confidence, guided by our expertise in helping you purchase your first home.
Upgrade to a New Home
Elevate your living experience by upgrading to a new home, with our tailored advice and support smoothing the path to your next dream residence.
Purchase an Investment Property
Unlock the potential of real estate investment with our strategic guidance, making the purchase of your investment property a smart step towards financial growth.
Consolidate Debts
Streamline your financial health by consolidating debts into one manageable payment, a strategic move towards reclaiming your financial freedom.
Refinance your Home or Investment Property
Maximize your property's value and optimize your financial strategy by refinancing your home or investment property with our expert guidance.
Unlock Equity in one Property to purchase another Property
Leverage the hidden value in your property to unlock equity, providing a strategic pathway to expand your portfolio by purchasing another property.
Purchase a SMSF, NDIS or Commercial property
Navigate the complexities of purchasing a SMSF, NDIS, or commercial property with our expert advice, opening doors to diversified investment opportunities.
Why Choose Lime Financial Services
Managing your finances can be a challenge but knowing who to trust with your money can be even harder. You could turn to the big banks for advice, but they only have their best interests at heart. You need someone who will recommend you the right product – not just their product.
If you’re looking for a trustworthy, independent mortgage broker in Melbourne, the team at Lime Financial Services can assist you. Whether it’s residential or commercial, buying your first home or getting on top of your debt, we’re here for anyone who needs a mortgage.
The Lime Team has the experience and expertise to cover the entire range of mortgage requirements.
Our Process
In person or over the phone, we take the time to understand your specific needs.
We gather all required data, discuss critical issues, establish clear processes and set realistic expectations.
We do all the work, provide options and prepare all application and supplementary paperwork for you.
We deal with the lender on your behalf, complete all their specific requirements, answer questions and resolve issues to ensure a hassle free outcome for our clients.
We review and execute all contracts and mortgage documents with you and work towards settlement of your loan.
We offer monthly updates, interest rate alerts, annual reviews and more.
Our Unique Approach
Lime Financial Services prides itself on its unique approach, combining innovative technology with personalized service to create tailored mortgage solutions that fit the unique financial landscapes of our clients.
We Put Clients First
You are at the centre of everything we do.
We Are Qualified And Experienced
The Lime team holds industry leading qualifications and comprises Accounting, Banking, Business, Customer Service and Property investment experience.
We Work As A Team
Each client has a primary Credit Adviser with the backup of the entire Lime team.
We Make Ourselves Available
Early mornings or evenings, we aim to work within your busy schedule.
We Offer Flexibility
You tell us what's important to you and we will tailor the solution to match your needs.
We Are Transparent
All fees, charges, timeframes, communications and documentation requirements are clearly articulated prior to any work commencement so that we work on a “no surprises? basis.
We Treat Your Information Confidentially
As a referral based business, you can be certain that all data is held securely and never disclosed to third parties without your written consent.
We Work With Trusted Specialists To Support You
We can work with your own Advisers or introduce you to those we use ourselves: Financial Planners, Conveyancers, Lawyers, Accountants, Property Managers, Real Estate Agents, etc.
We Empower Our Clients
We believe that education is critical so we freely share our expertise and contacts to ensure our clients achieve their financial goals.
We're adept at clearing hurdles to approve even the toughest loans!
Guarantor Home Loans
The only way to borrow 100% to 110% in Australia.
Waived LMIW
Get a home loan without paying LMI.
No Deposit Home Loans
Find out how to borrow up to 105%.
Low Deposit Loans
Can I get a home loan with a small deposit?
Australian Expat Loans
Borrow up to 90% of the property value.
Bad Credit Home Loans
Don’t let bad credit stop you from getting a home loan!
Investment Loans
Which banks support investors?
Unusual Employment
Got a job and can afford a home loan, but banks wont help?
Non-Resident Home Loans
Are you on Temporary, spouse. or 457 visa?
Trust Loans
How does borrowing in a trust work?
SMSF Loans
How much can you borrow in your SMSF?
Commercial Loans
Partner with the right lender.
Why Choose Us as your Mortgage Brokers?
At Lime Financial Services, we understand that choosing a mortgage broker is a significant decision that impacts your financial future. Here’s why you should consider partnering with us:
Expert Guidance
Our team is composed of experienced mortgage professionals who are committed to guiding you through every step of the mortgage process. We stay updated on the latest trends and regulations to ensure you receive the best advice possible.
Tailored Solutions
We believe that every client has unique financial circumstances and goals. We take the time to understand your specific needs and provide customized mortgage solutions that align with your long-term financial plans.
Transparent Communication
We prioritize clear and honest communication. You’ll always know where you stand because we explain all the options and steps in a way that’s easy to understand, ensuring you make informed decisions.
Access to a Wide Range of Products
As independent brokers, we have access to a vast array of mortgage products from multiple lenders. This means we can shop around for you, finding rates and terms that best fit your needs, without any bias toward a particular lender.
Ongoing Support
Our relationship doesn’t end once your mortgage is secured. We offer ongoing support and advice, helping you manage your mortgage effectively over its lifetime, and adjusting your strategy as your financial situation evolves.
Proven Track Record
With countless satisfied clients and a wealth of positive testimonials, our track record speaks for itself. We’re committed to achieving the best outcomes for our clients, and our dedication to service excellence has established us as a trusted name in mortgage brokerage.
Choosing Lime Financial Services means partnering with a broker who is as invested in your financial success as you are. Let us help you navigate your mortgage options to find the perfect match for your financial future.
What Our Clients Say About Us
Choosing Lime Financing Services was one of the best decisions for my business. Their team provided personalized solutions that really addressed our unique needs, helping us secure the financing we needed to expand. Their professionalism and expertise made the process seamless and stress-free. I couldn't be more grateful for their support and guidance.
As a first-time homebuyer, the entire mortgage process felt daunting until I connected with Lime Financing Services. Their knowledgeable brokers walked me through every step, ensuring I understood my options and made the best decisions. Thanks to Lime, I'm now a proud homeowner, and I couldn't have done it without their exceptional service and support.
Lime Financing Services truly stands out for their dedication to customer satisfaction. They went above and beyond to find me a financing solution that suited my financial situation, offering advice and insights that were invaluable. Their commitment to transparency and excellence is why I'll continue to recommend them to friends and family looking for financing services.
Our Services
We are mortgage experts. There are many different types of finance and these are the main areas we cover:
Interests Only Loans, Equity Release to Fund property Deposit and Fees.
Fund purchases and renovations of income-generating real estate like offices and malls.
Merges multiple debts into one, often reducing interest rates and simplifying payments.
Offer versatile living spaces for families and potential rental income.
Ensures loans are fair, transparent, and support borrowers’ financial well-being responsibly.
Meet Our Team
At Lime Financial Services, our team of expert mortgage brokers is at the heart of everything we do, bringing a wealth of knowledge, experience, and dedication to every client interaction. Each of our mortgage brokers is committed to understanding your unique needs, crafting personalized financing solutions that pave the way to your financial goals.
Andrew Burgan
Founder, Director and Credit Adviser
Carolyn Gunther
Credit Adviser
Blogs
Discover key insights in our “Mortgage Mastery” blog, where our seasoned mortgage brokers and financial service advisors offer guidance and tips. From securing your first mortgage to optimizing financial services, each post is crafted to help you make informed decisions and achieve your financial goals.
Refinance Your Investment Loan: A Comprehensive Guide
Refinancing is the process of replacing an existing loan with a new one, typically with better terms. It’s a strategic
How Much Equity Do You Need to Refinance Your Home Loan?
Are you considering refinancing your home loan to take advantage of lower interest rates or access the equity in your
Fast Refinance: Quickly Secure a Better Home Loan
Are you looking to refinance your home loan to take advantage of lower interest rates or better terms? A fast
Lime Financial Services FAQs
Lime Financial offers tailored financial solutions and personalized guidance to meet your specific needs and goals when investing in a new home. Our team of experts is dedicated to helping you navigate the complexities of the real estate market with confidence and ease.
Lime Financial stands out for its commitment to transparency, integrity, and customer satisfaction. We prioritize your financial well-being and strive to provide exceptional service every step of the way.
Lime Financial offers a range of innovative financial products and services designed to empower you on your homeownership journey. Whether you’re a first-time buyer or an experienced investor, we have the expertise and resources to help you achieve your goals.
Lime Financial provides a variety of mortgage options tailored to suit your individual circumstances and preferences. From fixed-rate and adjustable-rate mortgages to government-backed loans and jumbo mortgages, we have flexible solutions to fit your needs.
Yes, Lime Financial is committed to offering competitive interest rates to help you save money over the life of your loan. We continuously monitor market trends to ensure that our rates remain competitive and favourable for our customers.
Lime Financial provides comprehensive support and guidance at every stage of the homebuying process. From pre-approval to closing, our team of experienced professionals is here to assist you with expert advice, timely communication, and efficient service.
Yes, Lime Financial offers refinancing and home equity solutions to help you optimize your home investment. Whether you’re looking to lower your monthly payments, access your home’s equity for renovations, or consolidate debt, we can help you explore your options and make informed decisions.
Getting started with Lime Financial is easy. Simply contact us to schedule a consultation with one of our experienced mortgage specialists. We’ll take the time to understand your needs and objectives, and tailor a financial solution that’s right for you.
A mortgage is a loan specifically used to purchase real estate. It typically involves a lender, such as a bank or financial institution, providing funds to the borrower to buy a property. The borrower then repays the loan over a set period, usually with interest.
When you take out a mortgage, you agree to repay the borrowed amount (the principal) plus interest over a predetermined period, typically 15 to 30 years. The property you purchase serves as collateral for the loan. If you fail to make payments, the lender may seize the property through foreclosure.
Mortgage interest rates are influenced by various factors, including economic conditions, central bank policies, inflation rates, credit scores of borrowers, loan-to-value ratios, and market demand for mortgages.
Mortgages can be classified into various types, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), interest-only mortgages, and government-backed mortgages such as FHA loans (in the United States) or VA loans (for veterans).
A fixed-rate mortgage has a stable interest rate that remains constant throughout the loan term, providing predictable monthly payments. In contrast, an adjustable-rate mortgage (ARM) has an interest rate that can change periodically, typically after an initial fixed-rate period. ARMs offer lower initial rates but may increase over time, leading to fluctuating payments.
The down payment amount varies depending on the type of mortgage and the lender’s requirements. Conventional mortgages often require a down payment of at least 3% to 20% of the home’s purchase price, while government-backed loans like FHA loans may require as little as 3.5% down. In Australia, for example, most lenders typically require a minimum deposit of 5% to 20% of the property’s purchase price.
To improve your chances of mortgage approval, focus on maintaining a good credit score, saving for a larger down payment, reducing existing debt, and ensuring stable employment. It’s also essential to provide accurate and complete documentation of your income, assets, and debts to the lender.
Homeownership offers several tax benefits, including deductions for mortgage interest, property taxes, and certain closing costs. Additionally, if you sell your primary residence at a profit, you may be eligible for a capital gains exclusion of up to $250,000 for single filers or $500,000 for married couples filing jointly, provided you meet certain criteria.
In Australia, for instance, homeowners may be eligible for tax deductions on mortgage interest payments, property taxes, and certain home-related expenses. It’s advisable to consult a tax professional for specific advice.
While real estate can be a lucrative investment, it also comes with risks. These include economic downturns, fluctuations in property values, unexpected maintenance and repair costs, tenant vacancies, and changes in local zoning laws or regulations. It’s essential to carefully assess these risks and consider diversifying your investment portfolio.
