Melbourne-based mortgage broker for home loans, refinancing, investment, business & SMSF loans. >98% approval rate!
Our Lending Solutions
Whether you're a first home buyer, a seasoned property investor, a business owner, or somewhere in-between, we welcome people from all walks of life.
Or maybe you aren't quite ready to make the leap. We still encourage you to reach out so we can discuss your options so you know exactly what you're working towards instead of flying blind!
Plus, you're likely a lot closer than you think!
Home Loans
Secure competitive rates for you first home or next purchase.
Refinancing
Save money and reduce loan terms by switching to a better deal.
Business Loans
Save time and simplify processes to meet your business needs.
Investment Loans
Find flexible financing for your property portfolio.
Personal Loans
Consolidate debts such as credit cards or fund a holiday, home improvements or a car.
SMSF Loans
Put your super fund $$ to better use by investing in property through your SMSF.
*Min super balance of $100,000 required
Got a question or want to learn more?
A Simpler Way to Refinance
Choosing the right mortgage broker is about more than just rates. It’s about trust, transparency, and knowing you’re in good hands. We believe in honest advice, clear communication, and doing what’s best for you, not the banks.
Our business thrives on word of mouth because we genuinely care about the people we help. When you work with us, you’re not just another transaction, you’re part of a community built on respect, integrity, and a shared goal of making your financial dreams a reality.
Access to 50+ banks & lenders
This means better chances of sharper rates, more flexible features and approval options that fit your situation.
Personalised Solutions
We take the time to understand your goals, circumstances, and future plans before recommending a solution.
Casual and Approachable
We work around your schedule and your preferred way of communicating. No pressure, no jargon. Just simple, straightforward help.
Ongoing Support
We stay in touch to make sure your rate and loan still suit your situation as things change. If better options become available or your goals shifts, we'll let you know!
No Fees
We're paid by the lender once your loan settles. Not by you!
Experience
We know how to structure loans properly, avoid common pitfalls, and navigate lender policies with confidence.
Efficient Service
We keep the process quick and easy by using smart software that securely collections your details and bank statements. Less hassle for you!
Still not convinced?
Our Story
Fresh Air Finance was founded during the challenging times of the post-COVID cost-of-living crisis, inspired by our own experience of buying a home in the middle of the pandemic. We understand how important it is to have a broker who genuinely gets your situation and priorities. That’s why we’re dedicated to working with everyday Australians like you to help ease the financial pressures you face today and secure a stable, prosperous future. With Fresh Air Finance, it’s not just about loans; it’s about finding solutions tailored to your needs.
Flexibility became a top priority for us, especially with the demands of raising a young family. We also recognized the value of being rewarded for hard work and dedication, something we hadn’t fully experienced in traditional full-time roles, where long hours often went unrecognized. This realization shaped our approach at Fresh Air Finance, where we’re committed to balancing hard work with a genuine passion for helping others achieve their financial goals.
Meet Rob
Rob graduated from Monash University with a Bachelor of Law (Honours) and a Bachelor of Commerce and has since become a fully qualified accountant, lawyer, and mortgage broker. At just 28 years old, he brings over a decade of education and experience spanning property, finance, banking, and economics. Rob likes to think of himself as a down-to-earth professional. Someone you’ll enjoy working with as a friend, not just a broker.
As a proud father of two, Rob values the opportunity to help families and individuals achieve their financial goals. After spending four years at KPMG Australia auditing the nation’s banks (truth be told, he’s never been a fan of the banks!), Rob now channels his extensive expertise into Fresh Air Finance to serve you. What he loves most about his work is being able to offer customers his services without charging a fee—so they can spend nothing, save significantly, and all while he earns a fair income from banks and lenders. It’s a win-win approach that fuels his passion for making a positive difference in people’s lives.
Wanna know more about us?
Why Choose Us Over Banks?
When it comes to securing a loan, the choice between going directly to a bank or working with a mortgage broker can make a big difference. While banks offer access to their own products, mortgage brokers provide a wider range of options by comparing multiple lenders to find the best solutions for your needs.
Why Choose Us Over Other Brokers?
Fresh Air Finance isn’t built on hype or shortcuts. It’s built on depth. While many brokers rely on a handful of lenders and surface-level structuring, we’re numbers-driven, policy-obsessed, and prepared to do the hard work across 50+ lenders to get the right outcome. Less marketing, more strategy because your loan should be optimised, not just approved.
ENTRY- LEVEL QUALIFICATIONS
Certificate IV or Diploma often completed in a very short time frame
LIMITED STRUCTURING DEPTH
May struggle to understand how loan structure interacts with tax, accounting and long-term strategy
BRAND-FIRST FOCUS
More time spent on marketing, social media, referral deals and award submissions
NARROW LENDER COMFORT ZONE
Typically rely on 3–5 familiar lenders because it’s easier and faster to place deals
PART-TIME COMMITMENT
Often operate broking as a side business, impacting policy depth and availability
PROPERTY-LED,
NOT NUMBERS-LED
Interested in property, but less comfortable with numbers, analysis and financial detail
Restricts clients to a smaller pool of lenders that offer fully assessed approvals.
INSIST ON PRE-APPROVALS DUE TO LIMITED POLICY KNOWLEDGE
DEEP PROFESSIONAL FOUNDATION
Commerce and Law degrees from Monash University plus Chartered Accountant training
STRUCTURING AWARENESS
While not providing tax or accounting advice, this background helps prevent costly structuring mistakes
POLICY OVER PROFILE
Less than $100 per month spent on marketing No industry award chasing Maximum time spent on lender policy and strategy
NO STONE LEFT UNTURNED
Clients placed with over 40 lenders More work, more depth better outcomes
FULL TIME, FULLY COMMITTED
70+ hours per week in FY25 Exclusively dedicated to broking and client outcomes Low-cost home office model
NUMBERS-DRIVEN BY NATURE
Perfect 50 in VCE Further Maths. Former KPMG Assistant Audit Manager on ASX200 financial services clients
EXPERT-LEVEL POLICY KNOWLEDGE ACROSS ALL MAJOR LENDERS
Clients receive clear, accurate guidance without being locked into a single bank early, preserving choice and negotiating power.
Request a Property Report
Curious about the value of a property or want to make an informed decision? Let us provide you with a comprehensive, no-cost property report. Packed with detailed insights like recent sales, market trends, and property history, this report is an essential tool for buyers, sellers, and investors.
From refinancing options, accessing equity for renovations, or lowering your mortgage costs, we're here to guide you and find the best options for your needs. Simply fill out the form below, and we’ll take care of the rest.
Our Process
We combine expert advice with smart, modern technology to make your loan journey smooth, simple, and stress-free.
Step 1: Connect With Us
Get in touch with us, and we’ll connect however it suits you whether it’s in person, via video call, over the phone, through text, or by email.
When you work with us, you get access to Mystro, a secure, easy-to-use client dashboard that keeps your entire loan journey organised in one place.
Client benefit:
✔ Easy communication
✔ Smart technology for a smoother, faster process
Step 2: We Evaluate Your Circumstances
Every situation is unique, and we take the time to understand yours. We start by learning about your needs, goals, and financial circumstances to ensure we tailor the best solution for you. Through your Mystro dashboard, you can securely upload documents, complete your fact find, and track what’s still required all in one simple checklist.
Client benefit:
✔ Upload payslips, IDs, statements anytime
✔ Mobile friendly
✔ No back-and-forth emails
Step 3: Choosing the Right Loan
We assess your situation and shortlist the best loan options for you. You’ll be able to view recommendations and progress updates directly in your dashboard.
Client benefit:
✔ Clear visibility
✔ No confusion
✔ Full transparency
Step 4: Submitting Your Application
Once you’re happy to proceed, we lodge your application and manage the entire process through your dashboard, keeping you updated every step of the way.
Client benefit:
✔ Real-time status tracking
✔ See exactly where your loan is up to
✔ No wondering “what’s happening?”
Step 5: Lender’s Decision
Once the lender assesses your application, they’ll provide a decision. If approved, we’ll guide you through the next steps, such as reviewing the loan offer and answering any questions you have.
You’ll receive automatic updates in your dashboard when your application is assessed, approved, or if anything further is required.
Client benefit:
✔ No waiting on emails
✔ No chasing your broker
✔ Instant notifications
Step 6: Settlement
The final step where the loan is finalized, and funds are transferred. At this stage, all you need to do is review and sign the required loan documents and we’ll handle the rest to ensure everything goes smoothly.
Active Loan Management
Our service doesn't stop there though. We keep in contact with you after settlement to keep your bank honest and make sure you continue getting a great rate.
Your dashboard remains active, allowing us to monitor your loan, request pricing reviews and notify you when better options become available.
Client benefit:
✔ Ongoing support
✔ Rate monitoring
✔ Long-term relationship
Question? Ready to start your journey with us?
At Fresh Air Finance, we know that trust is everything when it comes to your finances. That’s why we’re all about honesty, transparency, and doing the right thing, every time. We’re here to make the mortgage process as smooth and stress-free as possible, so you can focus on what really matters.
Whether you're buying your first home, refinancing, or investing, we’re here to answer your questions and guide you every step of the way. Let’s make your property goals a reality together!
Frank is our AI front desk and your first guide at Fresh Air Finance. He’ll help you navigate your options. From learning the basics, to understanding how we work, to stepping straight into onboarding.
If you’d rather speak with a human guide, Frank can also point you to the best way to book a meeting with Rob.
Want to skip the small talk?
Click 'Get Started' to share your details with us securely via our onboarding form. Once you're done, we will handle the rest!
Follow us!
Our social media is more than just posts and updates, it’s a way for us to stay connected with you. We share helpful tips, market insights, and real stories to keep you informed and empowered on your financial journey. It’s also a space where you can ask questions, get to know us better, and see how we’re helping others just like you.
Our business grows through word of mouth, and that only happens when our clients feel confident and cared for. So, whether you’re looking for advice, inspiration, or just want to say hi, we’d love to connect with you online!