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Credit Hub has been delivering trusted finance and mortgage solutions for over 20 years, with fast approvals and expert support.
Book your free consultation with our dedicated experts.
We negotiate better rates with 52+ lenders for you.
We negotiate better rates with 52+ lenders for you.
When banks make things tough, Credit Hub makes it easy with low loan rates,
52+ lenders, quick approvals, and real support Australians trust.
Access the best loan and refinance rates, saving thousands on interest with Melbourne’s trusted finance brokers.
Manage your mortgage online, track applications, upload documents, and get real-time loan updates anytime, anywhere in Australia.
Access 52+ trusted lenders to find the most competitive rates and flexible options tailored to your needs.
Get expert, one-on-one guidance throughout your home loan journey for a smooth and stress-free experience.
Unlike traditional banks, Credit Hub provides loans, expert guidance, fast approvals, and personalised support tailored to your financial and property needs.
| Criteria |  | Traditional Banks |
|---|---|---|
| Lender Network | Access to 52+ lenders to match your needs. | Limited to the bank’s own products. |
| Personalised Advicey | Dedicated broker providing tailored advice. | Standard service with no personalisation. |
| Speed of approvals | Streamlined process for faster approvals. | Slower due to internal procedures. |
| Ongoing Support | Ongoing loan reviews and free credit reporting. | Rarely reviewed unless client initiates. |
| Live Support | 24/7 online portal for support & management. | Limited hours, often via call centres. |
| Reviews | Hundreds of verified 5-star client reviews. | Mixed feedback from customers. |
Unlike traditional banks, Credit Hub provides loans, expert guidance, fast approvals, and personalised support tailored to your financial and property needs.
At Credit Hub, we provide personalised finance solutions and expert property conveyancing – all under one roof to support home buyers, seasoned investors, and business owners with ease and confidence.
Expert home loan support for buyers, investors, and refinancers. Access 52+ lenders with competitive rates and fast approvals.
Tailored finance for commercial property, development, and asset-backed lending, through banks, non-banks, and trusted private lenders.
Flexible loans for vehicles, equipment, and machinery with quick approvals and terms suited to your business or personal needs.
Licensed in-house conveyancers manage your property settlement with accuracy, speed, and full legal compliance.
Get free credit checks to your credit profile and annual loan reviews to ensure you’re always getting the most competitive deal.
Lower your repayments or access equity with expert refinancing advice, fast approvals, and competitive rates from 52+ trusted lenders.
Our proactive team and the custom-built portal to assist you at every stage.
We begin by understanding your financial goals and assessing your complete needs to create a tailored solution that works for you.
With access to 52+ leading lenders, we compare multiple products- home, refinance, commercial, personal, and asset finance to secure the most competitive option for you.
Our team manages the entire process, including documentation, lender coordination, and settlement, ensuring a smooth and stress-free experience.
Our relationship doesn’t end at settlement. We offer annual reviews, refinancing options, and expert guidance to keep your finances on track.
Get expert loan solutions with our 52+ lenders on board.
Estimate repayments, check borrowing power, compare loans, and plan smarter – all with easy tools designed to guide your next move.
How much can I borrow?
Calculate your montly repayment.
How to plan your budget.
How much I save paying extra.
Credit Hub is committed to making your financial journey simple and stress-free. Whether you’re buying your first home, refinancing, investing, or building your portfolio, our team of expert finance brokers in Melbourne offers personalised advice and fast approvals from 52+ trusted lenders.
We also provide end-to-end conveyancing services, ensuring smooth and hassle-free property settlements every time. With 20+ years of experience and $3 billion+ in loans settled, Credit Hub combines expertise, transparency, and competitive rates.
From home loans, refinance loans, asset finance, commercial loans, SMSF loans, personal loans, to conveyancing, we’re here to guide you every step of the way. Simplify your finance journey with Credit Hub now!
Clear answers to your mortgage, loans, and conveyancing questions—simple, quick, and easy to understand.
When meeting your mortgage broker in Melbourne, Australia, ask about their lender panel, interest rate options, loan features, and any potential fees. You should also confirm if they offer pre-approval, how they’ll help with documentation, and what ongoing support is provided. At Credit Hub, we guide you through every question and help you make informed decisions.
Using a mortgage broker like Credit Hub offers significant advantages. We compare loans from 52+ lenders, saving you time and ensuring you get a competitive rate. Doing it yourself limits your options to one bank and often misses exclusive deals. Brokers also handle the entire process, reducing stress and improving approval chances.
Generally, there’s no downside if you choose a qualified, experienced broker and a good mortgage advisor like Credit Hub. Some brokers may charge a fee, but at Credit Hub, our service is free for borrowers, as we are paid by lenders. Always check your broker’s accreditation and transparency to ensure the advice is unbiased and in your best interest.
Avoid hiding financial details like outstanding debts, credit issues, or inconsistent income. Being honest helps your broker find the right lender and product for your situation. If you provide incomplete or incorrect information, your loan approval can be delayed or declined.
The amount you can borrow depends on your income, expenses, credit history, and the lender’s assessment criteria. Generally, lenders use your debt-to-income ratio and living expenses to determine borrowing capacity.
However, just because you can borrow a large amount doesn’t mean you should. Consider your long-term goals, lifestyle needs, and ability to manage repayments comfortably, even if interest rates rise.
At Credit Hub, we help you understand your borrowing capacity and recommend a realistic amount to ensure financial stability. We also guide you on loan structures that align with your current and future plans.
Each option has advantages:
At Credit Hub, we assess your goals, risk tolerance, and market conditions before recommending a structure. For example, first-home buyers often prefer fixed rates for certainty, while seasoned investors may opt for variable. We compare options from 52+ lenders to ensure your loan aligns with your budget and financial plans. Choosing the right interest structure can save thousands over the loan term.
Lenders typically require:
Credit Hub provides a detailed checklist and helps you prepare all documentation to avoid delays. For self-employed borrowers, additional financial statements may be needed. Our team ensures your application is complete and accurate, giving you the best chance of fast approval. Preparing documents correctly is a crucial step in securing a competitive home loan without unnecessary stress.
The timeline depends on your readiness and lender turnaround times. Pre-approval can take 1–5 business days, while full approval and settlement often require 4–6 weeks.
At Credit Hub, we streamline the process with accurate documentation, proactive follow-ups, and real-time updates. Our relationships with 52+ lenders help speed up approvals, even during peak periods.
If you’re refinancing, the process can be quicker, typically 2–3 weeks. We guide you through every stage – pre-approval, valuation, final approval, and settlement ensuring no delays. With our support, your home loan process stays on track and stress-free.
Yes, getting a home loan with bad credit is possible, but it may require specialist lenders and higher interest rates. At Credit Hub, we work with lenders who cater to clients with credit challenges, including defaults or past bankruptcy.
Our brokers assess your situation, suggest ways to improve your credit score, and structure your application to increase approval chances. We also provide strategies like reducing debt and consolidating loans to strengthen your financial profile.
While bad credit can limit options, our expertise ensures you still find a suitable solution without unnecessary stress.
Most lenders in Australia require a credit score between 600–700 for home loan approval, though this varies by lender. Some specialist lenders may consider lower scores but often charge higher rates.
At Credit Hub, we review your credit report, explain how it impacts your borrowing power, and recommend lenders that match your profile. We also provide tips to boost your score before applying, such as paying bills on time and reducing existing debts. A good credit score can unlock better rates, saving you thousands over the life of your loan.
Credit Hub provides the right information and expert guidance for first-home buyers. From understanding eligibility, grants, and stamp duty savings to securing pre-approval and final settlement, we make the process simple.
Our brokers offer step-by-step support, low deposit options, and personalised advice to ensure your journey to owning your first home is smooth and stress-free.
Using a mortgage broker like Credit Hub usually does not cost extra for borrowers. Brokers are typically paid by lenders once your loan settles. This means you can access expert advice, multiple home loan and personal loan options, and support throughout the application process without additional fees.
Our brokers save time, reduce stress, and often help clients secure better interest rates or features than going directly to a bank.
Savings depend on your loan size and the new interest rate. For example, refinancing a $600,000 home loan from 6.5% to 5.5% could save you over $200 a month. Credit Hub provides free savings assessments to see how much you could benefit.
Equity release lets you borrow against the value of your property. Credit Hub helps you unlock this equity to:
We ensure you borrow responsibly without overstretching your finances.
Compare lenders, get the competitive rates, fast approvals, and enjoy expert guidance—all in one place.
Discover client experiences with our trusted loan and finance solutions.
By dealing with us you have helped the community in need. As part of earnings from your
services will be donated to UNITED WORLD VISION
Credit Hub Australia
Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.
In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.
“Position is for Mortgage broker on commission/contract basis.”
Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.
You will act on leads and existing database as provided and generate sales and ongoing relations.
Actively participate in team meetings and contribute to the overall success of the business
You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.
In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.
Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.
A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.
Self-motivated and capable of working independently, while also thriving in a collaborative team environment.
Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.
Ability to manage multiple tasks, stay organized, and work reliably without supervision.
A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.
At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:
Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group.
If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.