Mortgage Broker Victoria
Home Loan & Complex Lending Specialists Servicing Victoria
WRA Mortgage Brokers is an Australia-wide mortgage and finance brokerage, based in Melbourne, specialising in home loans, investment finance, construction lending, refinancing and complex borrower scenarios.
From our Melbourne office in the heart of Victoria, WRA helps borrowers across the entire state — from inner Melbourne to Geelong, Ballarat, Bendigo and regional VIC — secure the right home, investment, construction and complex lending solutions.
Based in Melbourne and proudly servicing borrowers across all of Victoria — from the city to regional VIC.
How WRA Helps Borrowers in Victoria
Specialist brokers for every situation — at zero cost to you.
Home Loans
Owner-occupied finance up to 95% LVR with access to 50+ lenders.
Refinancing
Switch lenders to a sharper rate and lower repayments. Save $500+/month.
Investment Property
Strategic investment finance structured for your portfolio goals.
Construction Loans
Progress-draw loans for new builds, knockdown-rebuild and renovations.
Self-Employed & Low-Doc
1-year financials, BAS and accountant letters accepted. Low doc to 90% LVR.
Complex Lending
Company & trust borrowers, temporary visas, paid defaults, ATO debt and more.
Solutions for Complex Lending Scenarios
Specialist lending policies available to Victoria borrowers — available with selected lenders and subject to eligibility, credit assessment and lender policy.
ATO debt pay down accepted as cash out purpose
No notional rent for rent-free family living (parent declaration only)
2% servicing buffer — helpful in high-rate environments
1-year financials accepted for self-employed clients
Accountant letter accepted in place of NOA for full-doc SE applicants
Company and Trust borrowers accepted
Low doc up to 90% LVR · Owner-occupied up to 95% LVR
Temporary visas accepted · Paid defaults up to $1,000
Your Victoria Home Loan Journey
A simple 4-step process — fast, fully remote, stress-free.
Assessment
We review your finances and goals remotely.
Initial Assessment
Fast initial assessment and pre-approval with the most suitable lender.
Strategy
We structure the right loan for your situation.
Settlement
We manage paperwork and settlement remotely.
Ready to Get Started in Victoria?
Get your 100% free assessment today — no obligation, no cost, just expert advice. Most clients are pre-approved within 48 hours, wherever you are in Australia.
WRA Mortgage Brokers — based in Melbourne, servicing clients in Victoria and across Australia.