Integrated Finance Group is an MFAA-accredited mortgage broker based in Coburg North, servicing home buyers, investors and business owners across Melbourne's north-west, inner suburbs and Geelong. We compare 30+ lenders — including the major banks and specialist non-bank lenders — to find the most competitive home loan for your situation.
Unlike going directly to a bank, our experienced team works for you, not the lender. We handle the paperwork, negotiate on your behalf, and manage your loan from first call to settlement. There's no cost to you — our fee is paid by the lender when your loan settles.
Whether you're a first home buyer, refinancing an existing loan, buying an investment property, or need SMSF lending or business finance, IFG has the experience and lender relationships to get the right result.
From first home buyers in Essendon and Pascoe Vale to investors and business owners across Melbourne and Geelong — we structure the right solution for you.
Owner occupied, investment, first home buyer and refinancing across Melbourne and Geelong.
5% Deposit Scheme, stamp duty concessions, FHOG grants and full end-to-end guidance.
New and used vehicles, trucks, construction equipment — all brands, competitive rates.
Overdrafts, term loans, invoice finance and trade finance for SMEs and business owners.
Townhouse and apartment developments, factory builds and commercial fit-outs.
Residential and commercial SMSF loans with specialist structuring advice.
Based in Coburg North, our mortgage brokers work with clients across Melbourne's northern and western suburbs, the inner city, Geelong, the Bellarine and Mornington Peninsulas. Click your suburb below to learn more.
5.0 stars across 37+ Google reviews ↗
"2 mortgages arranged through Integrated Finance Group. Frank & Jess were excellent. Would highly recommend."
"What a wonderful group they are at Integrated Finance Group. Jess and Maria are outstanding on what they do. Great customer service always there to help and follow up. So easy to deal with."
"We were referred to Brian after a disastrous experience with a finance company. Brian was calm, patient, knowledgeable and did not hesitate to step in to ensure all our needs were met for our SMSF purchase. It's rare to find someone who honours their word, but Brian truly fulfilled every promise he made to us during the process."
Rate updates, Melbourne auction results, first home buyer guides and practical finance tips from IFG's accredited mortgage brokers.
Melbourne's auction clearance rate held firm through the mid-winter slowdown. IFG breaks down suburb-level results and what the data means for buyers and sellers heading into spring.
ASIC's crackdown on car finance fees took effect in 2026. IFG explains the new caps on dealer commissions, what changed for borrowers, and how to make sure you're getting a fair deal.
The income cap on the First Home Guarantee was removed in October 2025. IFG breaks down who now qualifies, how to apply through an accredited broker, and how to stack it with state grants.
Book a free, no-obligation consultation. We'll understand your goals and find the right solution.
A boutique finance firm built on experience, relationships and genuine care.
Integrated Finance Group delivers a personalised, client first approach to finance, designed to remove the stress and complexity often associated with dealing directly with lenders. We take the time to understand your goals and circumstances, then manage the entire process on your behalf, from structuring and strategy through to submission and settlement, ensuring a smooth and supported experience at every stage.
With access to a carefully selected panel of over 30 lenders, we provide tailored finance solutions aligned to your individual or business needs. Our focus is on delivering the right outcome for you, not a one size fits all approach, while maintaining a strong emphasis on communication, transparency and responsiveness throughout the journey.
Backed by over 30 years of combined industry experience, our team brings deep expertise and strong lender relationships to every transaction. Unlike traditional banking environments where points of contact can frequently change, we offer consistency, continuity and a genuine long term partnership you can rely on.
As a boutique firm, customer service sits at the core of everything we do. We pride ourselves on building meaningful relationships, with our founders remaining hands on and actively involved in each client engagement. This ensures a high level of care, attention to detail and accountability from start to finish.
Based in Melbourne, we proudly support clients locally and Australia wide, offering flexible meeting options and ongoing support to help you achieve your financial goals with confidence.
Serving clients across Coburg, Essendon, Pascoe Vale, Moonee Ponds, Brunswick and the broader Melbourne and Geelong region.
Every client's situation is unique. We build a finance strategy that fits your goals — not a template.
Our founders remain hands-on and clients return to us again and again because we advocate for their best interests.
From initial consultation through to settlement and beyond — we own the process so you don't have to.
A full suite of finance solutions for individuals, investors and businesses across Melbourne and Geelong.
Whether buying your first home, refinancing or investing in residential property, we work with a wide panel of lenders to find the most competitive solution.
We assist investors building and growing their property portfolios across residential, commercial and industrial asset classes.
Our team has extensive experience financing assets across construction, transport, civil and manufacturing industries.
We work with SME business owners and directors to source tailored funding for cashflow, growth and asset acquisition.
Deep experience in construction and development finance — securing the right funding structure for your project.
Specialist SMSF lending knowledge across both residential and commercial property for individual and trustee borrowers.
Expert guidance for first home buyers across Melbourne and Geelong — including the Australian Government's 5% Deposit Scheme.
Buying your first home is one of the biggest financial decisions you'll ever make. At Integrated Finance Group, we guide first home buyers through every step — from understanding how much you can borrow to navigating government grants, stamp duty concessions and settlement day.
We have extensive experience helping first home buyers across Coburg, Essendon, Pascoe Vale, Moonee Ponds, Brunswick and surrounding suburbs access competitive home loans and make the most of available government support schemes.
As MFAA accredited brokers, we can lodge applications through the Australian Government's 5% Deposit Scheme on your behalf, making the process as straightforward as possible.
The Australian Government's Home Guarantee Scheme helps eligible buyers purchase a home with a lower deposit — without paying Lenders Mortgage Insurance (LMI), saving up to $30,000. Visit the official government website →
Buy your first home with just a 5% deposit — the government guarantees the remaining 15%, so you avoid LMI entirely.
The same 5% deposit benefit specifically for buyers purchasing in designated regional areas (including Geelong).
For eligible single parents with at least one dependent — buy with just 2% deposit, no LMI required.
Eligible first home buyers in Victoria purchasing or building a new home valued up to $750,000 may receive a $10,000 grant. Stamp duty exemptions apply on purchases up to $600,000, with concessions sliding up to $750,000.
Available for new homes or builds up to $750,000 in Victoria
Full exemption on purchases up to $600,000 for eligible FHBs
Sliding concession applies between $600,001 and $750,000
Applications must be submitted through an authorised participating lender or via an accredited mortgage broker. Current participating lenders include:
Not all lenders offer all guarantee types. For the current list visit Housing Australia's website. As your broker, we'll match you with the right participating lender.
Our team will assess your eligibility, identify the right scheme and manage the entire application process. There's no cost to you.
Could a refinance save you thousands? We review your current loan and find you a better deal at no cost to you.
Many Australians are paying more on their home loan than they need to. Lenders consistently offer better rates to new customers than to loyal existing ones. Refinancing is one of the most effective ways to reduce your repayments, access equity, or consolidate debt.
At Integrated Finance Group, we conduct a free, no-obligation loan health check to assess your current position. If we can find you a better deal, we manage the entire refinancing process on your behalf — paperwork, lender negotiations and all.
We work with clients across Coburg, Essendon, Pascoe Vale, Moonee Ponds and the broader Melbourne North West region, as well as Geelong and the Bellarine.
Review your owner-occupied or investment home loan. We search 30+ lenders to find a lower rate or better structure.
Combine personal loans, car finance and credit cards into a single home loan repayment — often resulting in significant monthly savings.
Access the equity built up in your home to fund renovations, an investment property purchase, or other financial goals.
We'll review your current loan and compare it against current market rates. If there's a better deal, we'll find it and manage the switch for you — at no cost.
Build wealth through property with expert guidance on structuring, lender selection and portfolio growth.
Investment property lending is more complex than standard home loans. Lenders assess rental income differently, serviceability calculations vary, and loan structure has significant tax implications. Getting the structure right from the start can save you tens of thousands over the life of your investment.
Our team works closely with property investors — from first-time buyers purchasing their first investment, through to experienced investors with multiple properties or complex SMSF structures. We take the time to understand your investment strategy and structure your finance accordingly.
We regularly refer clients to trusted accountants, property advisors and conveyancers in our professional network.
Guidance for first-time property investors — deposit requirements, rental yield, loan structures and the full buying process.
Already own investment properties? We help you access equity and structure further purchases efficiently.
Commercial lending is specialised. Our team has deep experience across all commercial asset classes.
Specialist finance solutions for business owners, contractors and the self-employed — including low documentation options.
Self-employed applicants face different challenges when applying for finance. Standard income verification — payslips and group certificates — don't apply when you run your own business. Many lenders also add LMI loading or rate premiums for self-employed applicants, even when the application is strong.
Our team has extensive experience working with self-employed clients, sole traders, company directors, contractors and small business owners. We know which lenders have the most favourable policies and how to present your application in the strongest possible light.
For business owners with non-standard income documentation, we also have access to low-doc and alt-doc loan products through specialist lenders.
Standard documentation — two years of tax returns and financials. Access the full lender panel and most competitive rates.
For business owners with non-standard income documentation. We match you with specialist lenders who understand your situation.
Finance for business property, equipment, working capital or expansion — structured around your business cash flow.
Buy your next home before selling your current one — without the stress of a forced sale or missed opportunity.
A bridging loan provides short-term finance that allows you to purchase your new home before you've sold your existing property. Rather than being forced to sell first and potentially rent in between, a bridging loan gives you the flexibility to move at your own pace.
Bridging loans are typically interest-only during the bridging period (usually 6–12 months), with repayments capitalising until your existing property sells. Once sold, the bridge is repaid and your end debt — the ongoing mortgage — is established.
Not all lenders offer bridging finance and policies vary significantly. Our team will identify the most suitable option for your situation.
The sooner we assess your situation, the more options we have available. Contact us before you make an offer on your next property.
Competitive vehicle and equipment finance with access to all major brands — plus expert assistance sourcing and selling vehicles.
Our team has extensive experience and an extensive network across vehicle and asset finance lenders throughout Australia. We have strong relationships with the full spectrum of lenders — from major banks to specialist non-bank lenders — ensuring our clients consistently access the most competitive rates available in the market.
Our experience spans all types of assets and vehicles — from personal cars and utes through to trucks, trailers, excavators, cranes, forklifts and commercial fit-outs. No matter what you're looking to finance, we have the lender relationships and product knowledge to get the deal done.
Vehicle Sourcing: We have industry contacts across all major vehicle brands and dealerships. Whether you're after a new car, used vehicle, or specific commercial equipment, we can connect you with trusted sources to ensure you get a fair price and the right vehicle.
Selling Your Vehicle: We also have industry contacts who can assist you in selling your existing vehicle — getting maximum value without the hassle of private sales or trade-in undervaluation.
Own the asset from day one while the lender holds a mortgage as security. Tax-effective for business use with GST and depreciation benefits.
Make regular repayments and take full ownership at the end of the agreement. Fixed repayments with an optional balloon payment.
The lender owns the asset while you have full use of it. Flexible residual values and potential off-balance-sheet treatment.
For personal vehicle purchases. Fixed interest rates, flexible terms from 1–7 years, with optional balloon payment.
Salary packaging that allows employees to pay for a vehicle using pre-tax salary — reducing income tax significantly.
Reduce monthly repayments by deferring a portion to the end of the term. Works with most finance structures.
Get an instant estimate of your monthly repayments. Adjust loan amount, term, rate and balloon to compare structures.
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Estimates only. Does not include fees, charges or individual lender criteria.
Every member of our team brings deep finance expertise and a genuine commitment to your success.
Brian has been working within the finance industry for over 14 years. His success is due to the strong rapport he builds with clients and his ability to gain an in-depth understanding of their needs. He has held various Senior Relationship Manager roles in business banking, exposing him to the full range of financing solutions from traditional business loans to complex property developments, construction loans and sophisticated cash flow lending.
Frank has accumulated in excess of 15 years experience within the banking and finance industry. He is highly regarded in the broking industry and has extensive experience in funding via Self Managed Super Funds and assisting SME businesses in funding cashflow and property requirements. Frank holds a Diploma of Finance and Mortgage Broking and is accredited with the MFAA.
Maria has a strong history in Account Management and a passion for building and maintaining client relationships. She has worked as a Client Relationship Manager, assisting clients with their loan applications from lodgement through to settlement. Her exceptional customer service background ensures clients receive the highest standard of care throughout the entire loan process.
Ben brings over 13 years of experience in asset and equipment finance. His background spans commercial finance and equipment finance across construction, civil, transport and manufacturing industries. He has an extensive network across asset and equipment finance lenders, enabling tailored solutions for all types of equipment including vehicles, trucks, construction equipment and commercial fit-outs.
With over 5 years of dedicated service in the finance industry, Jess brings a wealth of experience in settlements and client services. She is known for her strong work ethic, positive attitude and effective communication. Jess plays a pivotal role in assisting clients with their day-to-day needs, coordinating settlements and ensuring smooth onboarding from start to finish.
Use our free calculators to plan your finances with confidence.
Calculate your monthly repayments and total interest cost.
Open Calculator →Work out repayments for vehicles and equipment loans.
Open Calculator →See how much time and interest you save by paying extra.
Open Calculator →Estimate stamp duty, LMI, grants and total purchase costs.
Open Calculator →Answers to the most common questions we receive from home buyers, investors and business owners.
Can't find the answer you're looking for? Call us on 0401 333 636 or send us a message.
Mortgage brokers are paid by the lender, not by you. When your loan settles, the lender pays us an upfront commission and an ongoing trailing commission for the life of the loan. In almost all cases there is no fee charged to you as the borrower. We are legally required to disclose all commissions we receive.
From initial enquiry to formal approval typically takes 2–4 weeks, depending on the lender, your documentation and application complexity. Settlement timelines are then set by the contract of sale. We can expedite applications where needed and will always give you realistic timelines upfront.
Typically: proof of identity (driver's licence, passport), recent payslips, employment contract or letter, last 2 years tax returns (self-employed), last 3–6 months bank statements, asset and liability statements, and details of the property. We'll give you a personalised checklist based on your situation.
LMI is an insurance premium charged by lenders when you borrow more than 80% of a property's value (i.e. deposit is less than 20%). It protects the lender — not you — in case of default. The First Home Guarantee Scheme allows eligible buyers to avoid LMI with just a 5% deposit.
Yes — through the Australian Government's First Home Guarantee Scheme, eligible first home buyers can purchase with just a 5% deposit without paying LMI. Single parents may qualify with 2%. Standard lending allows a minimum of 5% deposit, but LMI will apply unless you meet scheme criteria or have a guarantor.
A fixed rate locks your interest rate for a set period (usually 1–5 years), giving you certainty on repayments. A variable rate moves in line with the RBA cash rate and lender pricing. Many borrowers choose a split loan — fixing a portion while keeping the rest variable.
An offset account is a transaction account linked to your home loan. The balance reduces the principal on which interest is calculated. For example, with a $500,000 loan and $50,000 in offset, you only pay interest on $450,000 — one of the most effective ways to reduce your overall mortgage cost.
Yes. Self-employed borrowers can refinance, though documentation requirements differ. We work with lenders who understand self-employed income and can assess your application on full-doc and low-doc/alt-doc bases depending on your situation.
A pre-approval is a lender's confirmation they are willing to lend you up to a certain amount, subject to a property being identified. We recommend getting pre-approved before making offers — it gives you confidence that your finance is in order and strengthens your negotiating position.
Your borrowing capacity depends on your income, expenses, existing debts, credit history, deposit size and the lender's servicing policy. Every lender calculates this differently. Use our Calculators page for a guide, but the best way to understand your actual capacity is through a free consultation with our team.
Local mortgage brokers serving Melbourne's North West, Inner North, Geelong and beyond.
Our office is based in Coburg North in Melbourne's Inner North West. We work with clients across Melbourne's northern and western suburbs, the inner city, Geelong and the Bellarine and Mornington Peninsulas. We're always happy to meet in person at our office or at a location convenient to you.
Coburg and Coburg North are located just 8km from the Melbourne CBD in Melbourne's popular Inner North. Coburg's diverse community and growing property market make it a popular choice for owner-occupiers and investors alike.
Essendon is one of Melbourne's most sought-after middle-ring suburbs, known for its period homes, excellent schools and convenient location just 10km from the CBD. Property values have grown steadily and demand from buyers remains strong.
Pascoe Vale and Pascoe Vale South sit adjacent to Coburg and offer excellent value for first home buyers and investors. With easy access to the city via the Upfield train line and growing infrastructure, the area continues to attract strong buyer interest.
Moonee Ponds is a vibrant inner-northwest suburb known for excellent amenities and strong lifestyle appeal. It attracts a mix of owner-occupiers and investors seeking capital growth in Melbourne's inner ring.
Brunswick and Brunswick West are consistently among the most desirable suburbs for buyers under 40. High rental yields and strong capital growth make it attractive to investors as well as owner-occupiers.
Glenroy is an affordable entry point into Melbourne's North West, popular with first home buyers and investors. Its proximity to Tullamarine Airport and the Western Ring Road makes it well-connected.
Geelong is Victoria's second largest city and one of Australia's fastest-growing regional centres. With excellent transport links to Melbourne and an expanding employment base, Geelong attracts strong property demand from locals and Melbourne commuters alike.
We regularly assist clients purchasing property and financing assets across regional Victoria, including:
While our office is based in Melbourne, we assist clients with finance needs right across Australia. Whether you are purchasing property interstate, financing equipment for a national business, or relocating, we can help. We have clients and lender relationships in all major cities and states.
We work with clients right across Australia. Get in touch and we will confirm we can help.
Book a free consultation or get in touch — no obligation.
We'll be in touch within one business day.
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Stamp duty, grants & first home buyer discounts by state
