In short: GNT Finance is a Melbourne mortgage broker based in Mickleham, led by former senior credit officer Gorakh Timilsina. We compare the big four banks with second-tier, non-bank and specialist lenders, structure your application to pass credit assessment first time, and manage everything to settlement. There is no cost to you for home-loan broking, and consultations are available in English, Nepali and Hindi, evenings and weekends included.
Why Melbourne borrowers use a broker
Melbourne is one of the most competitive lending markets in the country, and that works in your favour only if someone is actually comparing the market for you. The same borrower can be declined by one lender and approved with a discount by another, purely because of how each lender treats overtime, rental income, HECS debt, a new ABN or a temporary visa. A broker's job is to know those policies and place you where you fit.
It also matters more than ever in 2026. The First Home Guarantee now has no income cap and a $950,000 Melbourne price cap, Victoria still exempts first home buyers from duty up to $600,000, and the temporary off-the-plan duty concession ends on 20 October 2026. Knowing how to stack those together can be worth tens of thousands of dollars.
What makes GNT Finance different
- Credit-side experience. Gorakh assessed hundreds of applications as a senior credit officer. He prepares your file the way an assessor wants to read it.
- Whole-of-market comparison. Big four, regional banks, mutuals, non-bank and specialist lenders, including SMSF and commercial.
- Specialists in the hard cases. Self-employed with one year of figures, 482/491 visa holders, gifted and overseas deposits, guarantor structures, construction and house-and-land.
- Local and multilingual. Office in Mickleham, clients across Melbourne, and consultations in Nepali and Hindi for the communities that have made Melbourne's north home.
- No cost for home loans. Lenders pay us; you get the same or better pricing than walking into a branch.
Services across Melbourne
How much can you borrow?
Try the calculator below with your own numbers, then book a 15-minute call and we will confirm it against real lender policy.
- Assessment rate (rate + 3% buffer)9.00%
- Monthly net income (est.)$6,173
- Monthly surplus for repayments$3,373
- Repayment at your actual rate$2,512 / month
Indicative only. Lenders use their own living-expense benchmarks (HEM), income shading and policies — results differ between lenders, which is exactly why a broker matters.
Estimated borrowing power: $419,000
That is a general estimate on standard assumptions. Every lender applies its own expense benchmarks, income shading and policy, so the real figure moves from lender to lender. Gorakh spent years as a senior credit officer deciding exactly these questions. Send him the numbers above and he will tell you what is realistic and which lenders fit — at no cost to you for home loans.
- A former senior credit officer reads itGorakh assessed loan applications on the lender side before he became a broker.
- A real office you can visit23 Astbury Crescent, Mickleham VIC 3064 · ABN 90 160 461 553
- Fees and complaints in writingRead the Credit Guide and our complaints and AFCA process before you commit to anything.
- English, Nepali and HindiInterpreters in other languages on request.
Prefer to talk first? Book a free 15-minute call 0426 403 703 Full 2-minute pre-assessment
Areas we cover
Home turf is Melbourne's northern growth corridor: Mickleham, Craigieburn, Kalkallo, Donnybrook, Wollert, Epping, Sunbury, Greenvale and Roxburgh Park. We also serve the west (Tarneit, Point Cook, Werribee), the south-east (Clyde North, Berwick, Pakenham), the CBD and regional Victoria (Geelong, Ballarat, Bendigo). See all 133 areas.
Frequently asked questions
Who is the best mortgage broker in Melbourne?
The best broker for you is one who understands lender credit policy, has access to a wide panel, and is transparent about remuneration. GNT Finance is led by a former senior credit officer, serves all of Melbourne from Mickleham, and charges nothing for home-loan broking. Compare any broker on those three points.
Is a mortgage broker free in Melbourne?
For home loans, yes: lenders pay the broker an upfront and trail commission when the loan settles, and Australian law requires brokers to act in your best interests regardless. GNT Finance discloses all commissions in its Credit Guide.
Do I need a broker if I already bank with a big four bank?
Your bank can only offer its own products and its own policy. A broker compares your bank against dozens of others, including lenders that treat self-employed income, visas or small deposits more generously, and negotiates pricing discounts your branch may not offer.
Which Melbourne suburbs does GNT Finance cover?
All of them. We meet in person across the north (Mickleham, Craigieburn, Kalkallo, Donnybrook, Wollert, Epping, Sunbury, Greenvale, Roxburgh Park) and work by phone and video everywhere else, from Point Cook and Tarneit to Clyde North, Berwick and the CBD.
How much can I borrow in Melbourne on an average income?
A single applicant on about $95,000 with no debts and modest expenses can typically borrow in the region of $450,000–$520,000 once lenders apply the 3% serviceability buffer; a couple on $180,000 combined roughly $850,000–$950,000. Use our borrowing power calculator for your figures.
Talk to GNT Finance
Ready to find out what you can borrow and which lender fits? Book a free 15-minute call, send an enquiry via the contact page, or call 0426 403 703. English, Nepali and Hindi.