Mortgage broking · South East Melbourne
Your local mortgage broker in Berwick
Based on Mansfield Street in the heart of Berwick, we help local families, first home buyers, investors and refinancers find the right home loan — with face-to-face advice by appointment and access to more than 20 lenders.
Buying or refinancing in Berwick
Berwick is one of Melbourne's most established south-east suburbs, around 45 kilometres from the CBD. It's long been popular with families — drawn by its leafy streets, the historic Berwick Village, well-regarded local schools and an easy commute via the Princes Freeway and Berwick train station.
The local property market is a real mix: character and period homes around the older village pockets, large family homes through the established streets, and newer house-and-land in the estates toward Berwick's growing edges. That range means borrowing needs vary a lot — from first home buyers stepping into the market to established owners upgrading or unlocking equity.
Whatever you're buying, having a broker who knows the area and can sit down with you in person makes the process simpler. We compare loans across more than 20 lenders to find one that suits your goals — not just whatever your current bank happens to offer.
How we help in Berwick
First home buyers
We'll walk you through your deposit options, the First Home Guarantee, and Victorian stamp duty concessions — and give you a clear, honest picture of what you can borrow.
Refinancing
If your home loan rate hasn't been reviewed in a while, we'll check whether switching could lower your repayments or free up equity for renovations or your next purchase.
Upgrading your home
Moving up the ladder in Berwick? We'll help you structure the finance — including bridging options — so you can buy and sell without the stress of perfect timing.
Property investors
From loan structure to lender selection, we'll help you finance an investment property — working alongside your accountant on the bigger picture.
Run the numbers
Planning a move in Berwick? Start with the numbers.
How much can I borrow?
Get an indicative estimate of your borrowing power based on your income, expenses and existing commitments.
Property fees & stamp duty
Estimate the upfront costs of buying — including Victorian stamp duty, government fees and any first-home concessions.
Deposit & savings goal
Work out the deposit and upfront cash you need to buy — including stamp duty — and how long it'll take you to save it.
Explore your home loan options
Wherever you're up to, here's where Berwick clients usually start:
Visit our Berwick office
You'll find us at 31A Mansfield St, Berwick South East Melbourne 3806. We see clients by appointment, so we can give you our full attention — just call or enquire online and we'll lock in a time that suits.
Our lender panel
Accredited with 20+ of Australia's leading lenders
We're not tied to any one bank — we compare your options across the market to find the right loan at a competitive rate.
Frequently asked questions
Can't find what you're looking for? We're happy to help — book a free chat.
Nearby areas we serve
Reviews
Don't just take our word for it
Impact Home Loans have saved me so much stress and anxiety over my home loan process. I worked closely with Dilshani who was very thorough and helpful, educating me through the process of my home loan and assisting me to maximise my borrowing capacity by going through all avenues. Dilshani went above and beyond for me to get my home loan approved as a single income occupant. Not only had Dilshani provided me with a wealth of knowledge around the home loan process, but Dilshani also connected me to conveyancers, contractors and other professionals required to assist with my home loan application. Thank you Impact Home Loans for allowing me to achieve my goal of being a first home buyer. I couldn’t have made it without your support and guidance. I cannot wait to be in contact with you again for my future investments.
We have been with Dilshani for more than 10 years, and we are extremely satisfied with her professional services and ethical and moral manner. She cares and advises according to our circumstances and conditions. Her services always go beyond the professional level. We always recommend her to our friends and family. Dilshani, thank you for your services and help.
Very professional, reliable and honest. Always willing to take the extra step to ensure a satisfactory result is achieved.
Dilshani and Impact Home Loans made the experience of applying for refinancing as smooth as possible. As I am self employed, getting a loan can prove to be more difficult than an employee loan, but Dilshani was there with us every step of the way. Highly recommend Dilshani and her team.
We have no hesitation in recommending Dilshani to family and friends. Her service and communication consistently go above and beyond anything we have experienced elsewhere. She has helped us with both purchasing and refinancing, and her ability to secure the best possible outcomes while making the entire process easy and seamless is second to none. We truly appreciate her professionalism, expertise, and dedication, and would highly recommend her to anyone looking for a mortgage broker.
I would like to thank Dilshani and her team for providing the best option to suit my circumstances and assisting me throughout the process to achieve a positive outcome. Excellent service and highly recommended.
We are very pleased and grateful for the smooth transaction with Impact Home Loans, especially with the assistance of Dilshani and Jennifer. Thank you for your professionalism, guidance, and support throughout the process.
Dilshani has been looking after our family from when we bought our land through to refinancing for better rates. She has excellent customer service, works extremely fast and the process is always smooth. I highly recommend Impact Home Loans and Dilshani as a broker.
excellent service
Dilshani from Impact Home Loans has been our greatest asset in our journey to acquiring our dream property. From helping us reach unconditional approval within a strict timeline, to also helping us navigate the current state of the housing market to ensure we make the right moves, Dilshani has provided a service that goes above and beyond. Her approach that was tailored specifically for us ensured we got the best possible loan/rates and most importantly, helped us acquire our dream home. We can't thank Impact Home Loans enough and highly recommend Dilshanis services to all those in search of a home.
Ready to talk to a Berwick mortgage broker?
Tell us a bit about what you're after and we'll be in touch — no cost, no obligation.