Mortgage broking · South East Melbourne
A local mortgage broker for Cranbourne
Whether you're buying your first home in a new Cranbourne estate, upgrading, or refinancing an established home, we'll compare more than 20 lenders to find the right loan — with a local broker nearby in Berwick.
Buying or refinancing in Cranbourne
Cranbourne is one of the South East's larger and more established centres, around 45 kilometres from the CBD, with its own town centre, train line and the well-known Royal Botanic Gardens Cranbourne. It blends established suburbs with newer estates spreading south and east.
That mix means a wide range of buyers — first home buyers in the newer estates, established families upgrading to more space, and owners looking to refinance a loan they haven't reviewed in years.
Whatever stage you're at, we'll compare lenders across the market and give you a straight answer on what you can borrow and which loan actually suits your plans.
How we help in Cranbourne
First home buyers
Buying your first home in one of Cranbourne's estates? We'll explain the First Home Guarantee, stamp duty concessions, and your borrowing power.
Refinancing
Haven't reviewed your loan in a while? We'll check whether switching could cut your repayments or unlock equity.
Upgrading your home
Outgrowing your place? We'll structure the finance — including bridging — so you can move up without stressing over timing.
Property investors
Building a portfolio around Cranbourne? We'll help with loan structure and lender choice, working with your accountant.
Run the numbers
Planning a move in Cranbourne? 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 Cranbourne clients usually start:
Local to Cranbourne
We're based just down the road in Berwick and work with clients across Cranbourne and the wider South East Melbourne. Most of the process can be done by phone, email and video — but if you'd like to meet in person, you're welcome to book a time at our Berwick office.
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 Cranbourne mortgage broker?
Tell us a bit about what you're after and we'll be in touch — no cost, no obligation.