Our Professional Approach
At PPM Finance, we put your needs first — not the lender’s. Our experienced team is committed to helping you make informed decisions about your loan options with clarity, transparency, and a genuine focus on what works best for you. With over 30 years of finance expertise behind us, we know how to navigate the complexities of lending to find the right solutions for your situation.
We work with a panel of over 40 lenders, including major banks, regional lenders, and specialist institutions. This wide reach means we can compare products across the market, identifying options that align with your financial goals and lifestyle. Whether you’re looking to buy your first home, refinance to save on interest, or invest in property, we take the time to understand your priorities and structure your loan accordingly.
Every client’s journey is different. That’s why we provide tailored advice and ongoing support at every stage — from initial discussions to loan settlement and beyond. At PPM Finance, you’ll experience a professional service built on trust, knowledge, and results.
Where Do I Get Started?
Take control of your mortgage journey with our comprehensive range of calculators.
Take a look at the top three tools most used by our clients:
- Loan Repayment Calculator – Estimate your repayments quickly based on loan amount, interest rate, and term.
- Borrowing Power Calculator – Find out how much you may be able to borrow based on your income and expenses.
- Mortgage Refinance Calculator – See the potential savings of switching lenders or adjusting your interest rate.
These tools make it easier to compare loan features, interest rates, and repayment options — helping you find the best fit for your financial goals.
Mortgage Solutions Offered
We support clients across every stage of their property and finance journey. Whether you’re stepping into your first home, refinancing to improve your loan structure, self-employed and navigating complex documentation, or growing a long-term investment portfolio – we’re here to help.
Looking to buy your first home? We understand that stepping into the property market for the first time can be both exciting and overwhelming. That’s why we provide step-by-step guidance from day one. We start by helping you understand your borrowing capacity, explain the types of home loans available, and guide you through the paperwork, approval process, and settlement. We’ll also keep you informed about any government grants or first-home buyer incentives that may apply.
Thinking about refinancing your existing mortgage? It’s one of the smartest ways to improve your financial position. Whether you’re chasing a lower interest rate, want to unlock equity for renovations, or simply need more flexibility in your loan, we’ll do the homework for you. Our team will assess your current rate, compare it with options from over 40 lenders, and help you switch with minimal fuss. We’ll also ensure you’re not missing out on any cashback offers or lender discounts that could put money back in your pocket.
If you’re self-employed, we understand the unique challenges you face when applying for a home loan. Traditional lending criteria often don’t reflect the financial strength of business owners or contractors, which is why we take the time to present your income and business position clearly and strategically. Whether through company financials, BAS statements, or alternative documentation, we’ll help package your application in a way lenders can support.
For property investors and those purchasing through a Self-Managed Super Fund (SMSF), our expertise extends to structuring loans that support long-term financial growth. We understand how to align your borrowing strategy with your investment goals, whether you’re building a portfolio or using your superannuation to invest in property. Our team navigates the compliance, tax, and lending complexities to make sure your strategy works not just today, but well into the future.
No matter your situation, our goal is to make the process clear, stress-free, and beneficial for you — now and over the long term. We don’t just compare loans; we help you make confident, well-informed decisions.
Local Expertise in Brunswick
At PPM Finance, we pride ourselves on having deep roots in the Brunswick community and a strong understanding of the surrounding suburbs — from North Melbourne and Coburg North to Aberfeldie and Alphington. This local expertise gives us a unique advantage when helping our clients navigate the property market.
We know the pulse of the neighbourhoods, the trends shaping demand, and what it takes to get your loan approved in today’s lending environment. Whether you’re buying, investing, or refinancing, understanding the local landscape can make all the difference. We apply our on-the-ground knowledge to provide truly personalised advice, considering everything from property values and lending policy changes to council zoning and future developments.
That insight allows us to move faster, negotiate smarter, and guide you with confidence. When you work with PPM Finance, you’re not just gaining access to over 40 lenders — you’re partnering with a team that lives and breathes your local market.
Our Mortgage Brokerage Process in Melbourne
Getting started is easy. Reach out for an obligation-free chat about your goals - whether it’s home lending, business or commercial finance, debt consolidation, or something else. We’ll listen and guide you through your options.
We review your situation and objectives, then explore suitable solutions across our broad panel of lenders and finance providers.
You’ll receive clear, tailored recommendations outlining the features, costs, and benefits, so you can move forward with confidence.
We handle the application from start to finish, liaising with lenders and keep you informed every step of the way, with ongoing support as your needs evolve.
Ashley made what can often be a stressful journey feel smooth and straightforward. He was always available to answer our questions, kept us updated regularly, and worked tirelessly to find us the best possible deal. His attention to detail and strong communication gave us complete confidence throughout.
Thanks to Ashley’s expertise, we secured a home loan with great rates and terms that perfectly suited our needs. We couldn’t be happier with the outcome and highly recommend Ashley to anyone looking for a reliable and dedicated finance broker!
My partner and I purchased our first property and were incredibly nervous at navigating the loan aspect. We initally went by ourseleves to get information regarding loans and we didn't feel comfortable or feel as if the bank staff had our best interest at heart. That is when I came across Ashley from PPM Finance.
His initial guidance as well as throughout the entire settlement process was amazing. He was extremley understanding and answering all our 500 questions we had being nervous entering the property market and also not understanding it very well.
We felt that Ashley had our best interests and helped us get a great deal on our home loan. We are so grateful and happy with how seamless the process was and the communication was great between all parties involved. We will be using him in the future!
He was prompt and efficient and always had the answers to our questions and ensured we got the best loan for our needs.
Would highly recommend.
Highly recommended.
10/10 ⭐️⭐️⭐️⭐️⭐️
I would use Ashley in future if we needed to.
Frequently Asked Questions
A mortgage broker compares loan products across multiple lenders, offering you more options and the potential to secure a better deal. Unlike banks, which can only offer their own products, brokers act in your interest and guide you through the entire process.
You’ll need your ID, proof of income (recent payslips or tax returns), a list of assets and liabilities, the property contract (if available), and details of any existing loans.
Yes, we specialise in helping self-employed clients. We understand how to present your income, whether through company financials, BAS statements, or alternative documentation, to maximise your chances of approval.
Your borrowing power depends on your income, expenses, assets, and liabilities. Use our Borrowing Power Calculator or speak with us to get a clear estimate.
Refinancing involves replacing your current mortgage with a new one, often to reduce your interest rate, access equity, or consolidate debt. We assess your needs and help you choose the right lender and product.
The process can take 2–4 weeks depending on the lender, your documentation, and whether it’s a purchase or refinance. We’ll keep you updated throughout and help avoid delays.
If you have less than a 20% deposit, you may need Lenders Mortgage Insurance (LMI). We’ll explore options including guarantor loans and lender-specific low deposit products.
Upfront costs can include stamp duty, application fees, legal fees, and valuation costs. We’ll walk you through all expenses to ensure there are no surprises.
Yes, we can organise a pre-approval so you can shop with confidence. It shows sellers you’re serious and helps clarify your budget.
PPM Finance has joined forces with Australian Partners of Defence (APOD) to recognise all defence and veteran families with an exclusive benefit.
For instant access to this exclusive defence discount, simply login or register at www.apod.com.au and verify your defence connection with APOD. Saving has never been easier!
