What If We Finance is a Melbourne CBD brokerage operating out of Level 14, 333 Collins Street. The firm holds a 5.0 average across 300+ Google reviews, with new five-star feedback arriving consistently each week through 2026. The day-to-day work is led by broker Spiro, with Jaan named alongside him in around half the recent reviews — typically described as a two-person team handling each file from initial enquiry through to settlement.
Service costs nothing directly — brokers in Australia are paid by the lender on settlement. Trading hours run wide (8:30 AM – 9:30 PM, seven days a week). Reviews describe a remote-friendly process: replies during overseas travel, after-hours availability, and proactive CoreLogic property reports for clients still house-hunting.
Spiro is the named broker on essentially every recent review, with Jaan featured as the working partner on a large share of files. Together they handle first-home buyers, refinancers, and repeat clients returning for second and third transactions. Reviewers consistently describe the team as proactive in driving settlement timelines with the lender — booking conveyancing, chasing approvals, providing CoreLogic reports during property hunts.
What clients say: clear explanation, calm under tricky scenarios, fast responses. First-home buyers single out patience and step-by-step explanation. Refinancers and clients who'd been told their applications were going to be tricky describe the process feeling unexpectedly smooth. The firm appears comfortable with smaller loan sizes too — one reviewer specifically notes Spiro helped her despite the lower loan value where other brokers had passed.
The team
Click through for a fuller bio, specialties, and direct contact for each team member.
Recent verbatim reviews. See the firm's Google profile for the full set.
Spiro and team helped us secure our first home with kindness, patience and confidence! We were completely clueless but he explained everything in easy to understand steps and answered all of our anxious questions.
Spiro was super helpful and responsive, made the entire process very easy. It was also great to get the level of help I did given the lower value of the loan which I found prevented other brokers from helping. I would absolutely be using them again for any future transactions and would strongly recommend Spiro.
I worked with Spiro and Jaan on what I was originally told would be a pretty tricky loan application. I expected the process to be stressful and complicated. Instead, Spiro and Jaan made everything unbelievably smooth.
Specific questions worth raising on your first call. Most apply to any mortgage broker; the firm-specific ones are tailored from this profile.
This profile was assembled from public Google data and your website. Verify with an email at your business domain and you can update details, add team members, and more — free.
Mortgage knowledge base
Plain-English answers to the most common Australian mortgage questions.
