WHY CHOOSE US

1. Experienced Team vs Individual Broker

At Next Generation Mortgages, we put our name to our service, and we pride ourselves on our client stories and helping them to achieve their goals – whether this be to start or expand a business, to buy a first home, upgrade to a dream home, buy an investment or holiday home or finance a new motor vehicle. Our team approach means you don’t just have one broker assisting with the scenario, you have the input of multiple professionals working towards your best financial finance solution.

Buying any significant asset can be very stressful, and our job is to take away the work and the stress associated with this. Having an experienced team that have settled collectively thousands of loans, means you are in the best hands possible to provide you with personalised, accurate and timely service. We are not a “one man band” reliant on a key person to get your loan assessed, lodged and settled. Your journey will have multiple people assisting you, so if someone is away on holiday or sick, there is no interruption to your service levels.

2. Access to more lenders

Mortgage brokers are aligned with one aggregator. Each aggregator has a different panel of lenders that are accessible to use for that broker. This is of course much better than going direct to a bank where you only have one line of products available. But it isn’t quite enough. After being a broker with multiple aggregators over the years, it became apparent to Andrew our founder, that even having a wide lender panel isn’t enough – you need to be able to access the lenders of all aggregation groups to provide a fully functioning service and the best solution to your client.

A quick example of this is teachers and nurses. There are specific lenders that will provide a 90% loan to teachers and nurses without charging mortgage insurance, which is often thousands or tens of thousands of dollars. A broker who is with an aggregator that does not have these lenders on their panel cannot get accredited to write the loans of these specific lenders, so in the best interests of the client, they should refer this out to a broker that does have it on their panel. This is exactly what we do at Next Generation Mortgages .The broker who is best placed to write that loan is assigned the client at or after the initial joint meeting, where the client is effectively “triaged” by Andrew Melling.

3. Ongoing Review

We conduct ongoing reviews of your lending arrangements to ensure that your loan continues to be competitive and appropriate for you over time. We will contact you if we become aware of a more competitive or suitable product, and use cutting edge technology to assist with this. This could be for example a great offer in the market (low rate or cash back) or simply that we note that you have built up significant equity in the property and want to know if you are interested in exploring further opportunities. We do not forget about you at settlement, and are not just focused on total settlement numbers, which the mortgage broking industry is focused on. Again, this focus on “servicing” comes from Andrew’s history as a financial planner where he would conduct annual reviews as a minimum, and assist clients as their growing needs and circumstances changed over time. It could be that you need to free up some cash flow whilst things are tight, or conversely, grow your equity when your income position justifies it. We work with your accountant, lawyer/conveyancer or financial planner to optimise your position every step of the way.

Next Generation Mortgages

5.0

Based on 13 reviews

review us on

Keegan Coetzee

04:34 05 Apr 24

Andrew & the team from NGM were amazing in helping us refinance our home, always available to answer any questions and went above and beyond when there was a hurdle from the banks side! Would recommend if anyone is looking to enter the market or just have a chat to review their best options!

Catherine Wells

23:50 25 Jan 24

Thank you to Andrew, Sean and the team at NGM for making the process of purchasing my first property independently a smooth one!

sam baldock

11:02 24 Apr 23

Adam and his team at next gen are absolute legends. For all the work they put in they probably deserve 6 stars. If you are looking for a Mortage broker then stop scrolling and give these guys a call.

Bastien Gonzalez

10:52 02 May 22

My wife and I can’t express how happy we are to have dealt with Next Generation Mortgages.A close friend of ours, who had just purchased her property thanks to Andrew’s assistance, recommended us to look into our options and contact him. We are so grateful we did!Andrew and Daniela helped us navigate the whole process, understand our options and there was no question that was left unanswered. When it came to get the process started, they were always available and everything was dealt in an efficient and professional manner.We have now just moved into our first home when, a few months back, it was just a pipe dream.Needless to say I cannot recommend NGM enough, it’s been an absolute pleasure working with them.

Sophia Davey

06:42 24 Feb 22

I highly recommend NextGen Mortgages. From the moment I met the team, they went over and above every expectation. Meticulous on the details and accomodating when ever I felt nervous about buying my property. I felt utterly supported and assisted in every step of my decision making and I now am a proud home owner! Very happy. Special thanks to Andrew and Daniela for holding my hand every step of the way. Thank you team!

Kate Stewart

11:52 30 Jun 21

When I first met Andy (Andrew) I was renting and looking for a home, had no idea how much I could borrow and no idea about the process. Over a Zoom meeting Andy went through my options with me and it didn’t take long before I was pre-approved for finance and had signed a contract to buy my first home!The lender that we went with had a very low rate of (under 2% p.a), which was awesome, but unfortunately they weren’t the best lender to deal with up to settlement. Thanks to Andy though, he made the whole process a lot easier for me, and made everything much less stressful than it could have been. The communication he had between all parties was fantastic and smoothed out any issues that we faced along the road. Definitely couldn’t have done it without him.Would highly recommend Andy to any first home buyer who feels they may need guidance and things explained along the way like I did. Thanks so much Andy and Daniela.

Andy Prentice

01:01 15 Jan 20

I can't thank the team at Next Generation Mortgages enough for their amazing work in helping me with my mortgage!I thought that owning a small business would make it a lot more challenging to get approved for a mortgage. NGM knew exactly what lenders to consider and which to avoid and I couldn't believe what an amazing interest rate and quick approval they were able to achieve for me.The process was excellent from start to finish. Andy and Daniela were great to deal with and with Andy also being a financial planner, he provided me with some other great info and options moving forward. I can't recommend Next Generation Mortgages enough if you're looking for a mortgage broker in Melbourne.