Top-Rated Mortgage Broker in Melbourne

We help first-time buyers find their home loan without the confusion.

Keystone Finance takes the stress out of property finance. Whether you're buying your first home, refinancing, or building a portfolio — we find the right loan from 40+ lenders.

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2,000+ Loans settled
40+ Lender panel
4.9 Google rating
Modern Australian home with landscaped garden
★★★★★ Guest Favourite
4.9
$680K Avg. loan size
Trusted by 2,000+ Australian home buyers
CommBank ANZ Westpac Macquarie ING
About Keystone
"We started Keystone because buying a home shouldn't feel like learning a new language. Our job is to translate the jargon into plain English and find you the best deal — full stop."

Founded in 2016, Keystone Finance has helped over 2,000 Australians secure the right home loan. Our team of accredited brokers compare rates across 40+ lenders so you don't have to. No commissions from you — ever. We're paid by the lender, so our advice is free.

We specialise in first home buyers, refinancing, investment loans, and construction finance across Melbourne and regional Victoria.

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Meet our accredited team of 5 brokers

Our Services

Loan solutions for every stage of life

Whether you're getting your first set of keys or expanding your investment portfolio, we've got a lending solution that fits.

Home Loans

Buying your dream home? We compare rates across 40+ lenders to find the best deal — fixed, variable, or split.

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Refinance

Already have a loan? We'll check if you're overpaying and switch you to a better rate — often saving $200+/month.

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Investment

Growing your property portfolio? We structure loans to maximise tax benefits and borrowing power for investors.

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First Home Buyer

Navigating grants, schemes, and stamp duty concessions? We guide first-timers through every step — no jargon.

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Smart Tools

Plan your purchase with confidence

Use our free tools to estimate repayments, borrowing capacity, and upfront costs before we even speak.

Mortgage Calculator

Enter your loan amount, interest rate, and term to see estimated monthly repayments instantly.

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Borrowing Estimator

Find out how much you could borrow based on your income, expenses, and existing debts.

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Costs Breakdown

See a full breakdown of upfront costs — stamp duty, legal fees, LMI, and government charges for your state.

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How It Works

Three steps to your new home loan

We keep it simple. No paperwork maze, no phone tag with banks. Just clear steps from first chat to settlement.

1

Free Discovery Call

We learn about your goals, budget, and timeline. 15 minutes on the phone — no obligations, no pressure.

2

We Find Your Match

We compare rates from 40+ lenders and present your top 3 options with a clear comparison — in plain English.

3

Submit & Settle

We handle the paperwork, chase the bank, and keep you updated. You just focus on picking furniture.

Client Reviews

What our clients are saying

Real stories from real home buyers across Melbourne. No scripts, no actors — just honest feedback.

★★★★★

"As a first home buyer I was terrified of the process. Keystone made it so simple — they found me a rate I didn't even know existed and handled all the bank paperwork. Settled in 6 weeks!"

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Sarah M.
First Home Buyer, Brunswick
★★★★★

"Refinanced from 6.2% to 5.49% — saving us over $300 a month. The whole thing took two weeks and I barely had to lift a finger. Can't recommend Keystone enough."

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David J.
Refinance, South Yarra
★★★★★

"We've used Keystone for three investment properties now. They structure everything perfectly for tax, and their turnaround times are unreal. Best broker in Melbourne, hands down."

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Rachel P.
Property Investor, Richmond

Check if you qualify — it's free

No credit check, no commitment. Just a quick chat to see what's possible for your situation.

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Get In Touch

Ready to get started?

Book a free 15-minute discovery call or send us a message. No pressure, no jargon — just honest advice.

Our Office

Address Suite 5, 120 Collins Street, Melbourne VIC 3000
Phone (03) 9028 4600
Email hello@keystonefinance.com.au

Office Hours

Monday — Friday: 9:00 AM — 6:00 PM
Saturday: 10:00 AM — 2:00 PM
Sunday: Closed

Evening appointments available by request.

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