Brunswick East, Melbourne
The loan is the easy part.
The numbers are the work.
Brickfield is an independent broker. We read the fine print, compare across 40+ lenders, and put the real cost of every option side by side — before you sign anything.
40+
lenders on our panel — majors, second-tier and specialist
- No cost to you
- Our fee is paid by the lender you choose at settlement, not by you.
- Independent
- Not owned by a bank. No lender gets preferential treatment here.
- Local
- A small Melbourne team you can actually sit down with on Lygon Street.
“Everyone gets a rate. Not everyone gets shown what it costs them over the next twenty years.”
What we arrange
Ten kinds of lending, one broker who knows all of them.
Buying, building, refinancing, or borrowing inside a business or a fund — the structure matters as much as the rate. We handle the lot, and we tell you when the answer is “not yet”.
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01
Home Loans
Owner-occupier lending matched to how you actually earn and spend.
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02
Refinancing
A full cost comparison, including exit and setup fees, before you move.
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03
First Home Buyer Loans
Low-deposit and guarantor options explained without the jargon.
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04
Investment Property Loans
Structures that keep your portfolio serviceable as it grows.
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05
Commercial & Business Loans
Premises, equipment and working capital for owner-operators.
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06
SMSF Lending
Limited recourse borrowing arranged with your accountant in the loop.
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07
Construction & Renovation Loans
Progress-draw lending managed stage by stage with your builder.
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08
Loan Pre-Approvals
Go to auction knowing your ceiling, not guessing at it.
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09
Debt Consolidation
Fold high-rate debt into one repayment — when the maths supports it.
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10
Car & Asset Finance
Vehicles, tools and plant, financed without touching your home equity.
Refinance check
What is your current rate actually costing you?
Put your loan in on the left. We’ll amortise both rates over your remaining term and show the difference — monthly, and in total interest.
Your loan today
Use a rate you’ve been quoted, or try a lower one to see the effect.
Side by side
Monthly repayment
Lower each month by
$270
- Total interest — current rate
- $649,300
- Total interest — comparison rate
- $568,300
- Interest saved over 25 years
- $81,000
Indicative estimate only — principal & interest, assumes both rates stay fixed for the full remaining term and excludes exit, application and ongoing fees. Not financial advice, and not an offer or approval of credit.
Have us check the real numbers
Our approach
We’d rather lose the deal than sell you the wrong one.
Brickfield started in a converted brick warehouse off Lygon Street with one idea: a borrower should be able to see every number that matters before they commit. That means showing you the comparison you’d rather not see as readily as the one you were hoping for.
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Every option in writing. You get a written comparison of the shortlisted loans, including the fees most rate tables leave out.
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One broker, start to finish. The person who takes your first call is the person who chases your lender at settlement.
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An annual rate review. We check your loan against the market each year, so loyalty never quietly costs you money.
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Plain answers about “no”. If borrowing now would stretch you, we’ll say so and map what changes it.
The process
Four steps, and you always know which one you’re on.
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Step one
A 20-minute conversation
What you earn, what you owe, what you’re trying to do. Free, and no documents needed yet.
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Step two
A written comparison
A shortlist from our panel, costed over your real term — not just headline rates.
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Step three
We lodge and chase
Application, valuations, lender queries and conditions — handled and tracked for you.
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Step four
Settlement, then a yearly check
We stay on the file and review your rate every year against the current market.
- 0
- Lenders on panel
- 0
- Loans settled
- 0
- Broking in Melbourne
- $0
- Cost to you, start to finish
Clients
The part people remember is the explaining.
“They showed us the option that suited us and the option that paid them better, side by side, and let us pick. We refinanced the same month.”
“First home, no idea what we were doing. Dana walked us through pre-approval twice because I kept forgetting the numbers. Never once made us feel silly.”
“Our construction loan had three lenders say no. Brickfield found the one that said yes and managed every progress draw with the builder.”
Questions
Before you call.
Anything not covered here, ask us on the phone — there’s no charge for a question.
What does using Brickfield cost me?
Nothing. The lender you settle with pays our commission. If we ever recommended something that carried a fee to you, you’d know before we started the paperwork.
Is the refinance check above an approval?
No. It’s an indicative estimate using standard amortisation on the figures you type in. It ignores fees, offset accounts and rate changes. A real assessment needs your statements and a lender’s credit policy.
How long does pre-approval take?
Usually a few business days from the moment we have your documents. Straightforward salaried applications are often faster; self-employed files take longer because there’s more to verify.
Will refinancing hurt my credit file?
A formal application does leave an enquiry on your file, which is one reason we don’t shotgun applications across lenders. We narrow to the lender most likely to approve you before anything is lodged.
Do you only work with the big banks?
Our panel spans major banks, second-tier lenders, credit unions and specialist lenders. The right one depends on your income type, deposit and the property — not on who advertises hardest.
Can you help if I’m self-employed?
Yes — a good chunk of our book is self-employed and contractor clients. Bring two years of returns if you have them; if you don’t, there are lenders who assess differently and we’ll talk you through them.
Get started
Tell us where you’re up to.
Leave your details and a broker calls you back — usually the same business day. No obligation, and nothing goes to a lender until you say so.
Thanks — that’s with us. A broker will call you back, usually the same business day. If it’s urgent, ring us on (03) 9042 6180.
Office
Level 1, 214 Lygon StreetBrunswick East VIC 3057
Mon–Fri, 8:30am – 5:30pm
