The bank says no.
I find the lender that says yes.
A warm, plain-English mortgage broker who compares 40+ lenders, sorts the paperwork, and gets you across the line — whether it's your first home, a refinance, or your next investment.
Whatever stage you're at, there's a smarter loan for it
Three core specialties — all approached the same way: clear advice, full transparency, and a broker who picks up the phone.
First Home Buyers
Buying your first place is intimidating. I'll walk you through every step in plain English — and unlock the government schemes most people never hear about.
- First Home Guarantee (5% deposit)
- Stamp duty concessions explained
- Borrowing power without surprises
Refinancing
Most people overpay on their mortgage by thousands a year without realising. A 15-minute call will tell you exactly how much you could save.
- Cashback & rate-match negotiations
- Debt consolidation done properly
- Cash-out for renovations or investing
Property Investors
Whether it's your second property or your tenth, loan structure is everything. I'll help you maximise borrowing capacity and protect each asset.
- Multi-lender strategies
- Interest-only vs principal & interest
- SMSF lending (where eligible)
From first call to settled in four steps
No jargon, no surprise fees, no chasing for updates. I keep you in the loop every step of the way.
Free 15-min strategy call
We chat about your situation, goals, and timeline. No obligation, no sales pitch.
Compare 40+ lenders
I shortlist the best three options based on your borrowing power, rate, and features.
I handle the paperwork
Applications, supporting docs, valuations, lender follow-ups — I take it off your plate.
Settle & stay supported
I review your loan annually to make sure it's still the best deal — for as long as you have it.
Run the numbers before the call
Three calculators built specifically for Aussie buyers — no email gates, no sign-up, just answers.
Borrowing Power Calculator
See how much you could actually borrow — based on your real income, expenses, debts, and the way lenders calculate serviceability today.
Open calculator →Refinance Calculator
Plug in your current loan and see exactly what you'd save by switching — including realistic switching costs, not just the headline rate.
Open calculator →Budgeting Tool
A clean view of what comes in vs what goes out, with take-home pay calculated after tax, Medicare, and HECS — so you know your real picture.
Open tool →
I became a broker because I was tired of watching mates get the wrong loan.
Hi, I'm Peter — South-East Melbourne mortgage broker and founder of PSM Finance. Since starting out I've settled over $150 million in home loans for more than 780 clients across Australia, and I've been recognised by MPA Magazine as one of the Top 35 Brokers Under 35.
More importantly though, I've built this business one happy client at a time — which is how we ended up with 119+ five-star Google reviews and the kind of referral pipeline most brokers only dream about.
119+ five-star reviews and counting
A small sample from real clients across South-East Melbourne and beyond. Read every review on Google.
“As first-home buyers, this whole process felt overwhelming at the start, especially when it seemed like everyone was saying no. Peter and his team were the ones who said yes, and we are so grateful for that. A special thank you to Cody who walked us through every single step with patience and care.”
“We cannot recommend Peter & Cody any higher as mortgage brokers! We encountered a few obstacles along the way but Peter & Cody always went above & beyond, ensuring they always had our best interests at heart. Thanks so much — we will definitely be working with you again.”
“I had an outstanding experience working with Peter. From start to finish, he made the entire process smooth and stress-free. He went out of his way to answer all my questions — no matter how small — and handled every last-minute change with patience, professionalism, and a genuinely helpful attitude.”
★★★★★ 119+ five-star reviews · Read them all on Google →
Things people ask me on the first call
If your question isn't here, just text me on 0437 243 486.
How much does it cost to use a mortgage broker?
How much can I actually borrow?
I've been told I can't get approved — should I still call?
How long does the process take?
I'm not in South-East Melbourne — can you still help?
What documents do I need to get started?
Fifteen minutes could change
what you can afford.
Book a free, no-obligation strategy call. We'll talk through your situation, run the numbers properly, and you'll leave knowing exactly where you stand.