Section Seven Finance — mortgage broker, Australia wide. Melbourne mortgage broker helping first home buyers, investors and refinancers across South East Melbourne. Your loan, sorted. First home buyers, investors and everyone in between. 50+ lenders on the panel. One person who knows your file. No cost to you.

Where are you at? Buying my first home: we work out what you can borrow, what deposit you need and which grants you qualify for, before you start looking. Refinancing: we check your current rate against the panel and tell you plainly whether moving is worth it. Buying an investment: how this loan is structured decides what you can buy next. We plan for the second and third purchase, not just this one. Commercial or equipment: commercial property, business lending, vehicles and equipment, structured around your cash flow.

Lenders on the panel: major banks, non-banks and specialist lenders. Direct cost to you: $0 — the lender pays the broker after settlement in most cases. Five stars on Google. Response time: same day — call, text or email and you hear back the same day.

What we do. Three lanes, one point of contact. Residential loans: for first home buyers, refinancers, and investors building a portfolio. We find the right fit. First home buyers, refinancing, investors, construction. Commercial loans: funding for commercial property investment, development, and business growth. Structured to suit your objectives. Investment, development, business loans, debt consolidation. Asset finance: finance for vehicles, equipment, and machinery. Structured around your cash flow so you keep moving without tying up capital. Cars and RVs, trucks and trailers, equipment, medical equipment.

How it works — simple from start to settlement. Step 01 Initial chat: we talk through your goals and situation. No commitment, no cost. Step 02 We research: we compare lenders and find options suited to your needs. Step 03 Application: we manage the paperwork and keep you updated throughout. Step 04 Settlement: we see it through to settlement and beyond. Step 05 Rate reviews: we review your loan every 6 months to make sure you are still on the most competitive rate available to you.

Lender panel: 56 lenders, filter by what you need.

Why a broker — two ways to get a loan. Same goal, different amount of legwork. Lenders available: direct to a lender gives you one, whichever branch you walk into; with Section Seven, 56, from the major banks to specialist lenders. Who they work for: the bank that employs them, versus you. Comparing rates: you do the ringing around, versus done for you in one place. If you're declined: start again with the next bank, versus we already know the next best fit. The paperwork: yours to chase, versus ours to manage. After settlement: you rarely hear from them again, versus a rate review every 6 months. Cost to you: no fee either way — the lender pays us after settlement.

Recently settled — real loans, real timeframes. First home buyer, $656k loan amount, 5% deposit scheme, strong income but not the savings for a full deposit, 2 days to approval. First home buyer, $618k loan amount, same 5% deposit scheme with strong income and savings, structured with future portfolio growth in mind, 4 days to approval. Refinance, $620k refinanced, existing loan sitting above market, moved to a lender with a sharper rate, $313 saved per month. Refinance, $1.3m refinanced, restructure of the loan product with an equity release for the next purchase, $150k cash out.

Your broker — you find the home, I sort the loan. Alex Chiu, Credit Representative, MFAA Member. I started Section Seven Finance because I've been through it firsthand. The stress, the confusion, the overwhelming number of options. My goal is simple: make the home buying process as easy and stress-free as possible for every person I work with. Section Seven is the name of the street I grew up on in Taiwan. The high-rises around it towered over me as a kid and everything felt huge. A home loan can feel pretty similar the first time you face one. That's the part of the experience I'm trying to take off the table. I'm an active property investor myself, so I think about your loan the same way I think about my own. Not just the purchase in front of you, but the second, third, and fourth ones after it. How the loan is structured today decides how much you can borrow next time. If you're buying your first home, I've been there too. So education is built into how this works. No jargon, no rushed decisions, and the time to actually explain what you're signing.

Client reviews — what our clients say. Five stars on Google. James O'B.: I couldn't recommend Alex highly enough. As a first home buyer the whole process felt overwhelming at times, but Alex was with me every step of the way. Always available to answer my countless questions and took the time to explain everything clearly. Lindi C.: Alex provided timely and efficient service in refinancing my loans to consolidate my debt. Very impressed with his professionalism securing the best rate for someone nearing retirement. Very happy saving a few hundred dollars a month. Kay Lin M.: Alex helped me save a couple hundred dollars per month with my refinance and got me a significant cash out for my next property purchase. He explains things in simple terms, very professional and listens to your exact needs. Emily Y.: Alex was so fantastic in helping me purchase my first home. He is a fantastic communicator, and extremely knowledgeable. Took a lot of the stress out of a first home purchase.

Ready to find out what's possible? A free, no-obligation call. We'll talk through your goals and what you can borrow. Book a call.

Contact: 0404 512 780, info@sectionsevenfinance.com.au, 141 Mountain Highway, Wantirna 3152 VIC. Credit Representative 575472 is authorised under Australian Credit Licence 384704.