Mel Finance Services

First time buyer. Lumbini was informative and took the time and care to understand our needs. Was super helpful in providing an analysis against different lenders so we could make an informed decision. Very knowledgeable and responsive. Thanks Lumbini! Daniel

Super highly recommend Lumbini and his team at Mel Finance Mortgage Brokers. My wife and I are first home buyers and Lumbini took us through the property purchase and mortgage application process every step of the way, from the beginning to the end. They made the entire process feel like a breeze. Despite his busy schedule, Lumbini made himself… Read more

available to us for phone/video calls throughout the day - early morning, or late nights even. Lumbini freely shared his wisdom from decades of experience in the field, and he patiently answered all our questions and concerns. We really appreciate the auction strategies he imparted to us, which helped us win at auction.

Our situation was also unique and certainly in the minority in Australia, and we thought we wouldn’t be able to have our loan application approved, however with Lumbini’s help, we not only had many lenders to choose from, we were also able to borrow at a very good rate and got our loan approved on time with zero issues or surprises.

Throughout the process, Lumbini made us feel that we had a mentor and a friend who will be with us as part of the whole journey and therefore we went ahead with full confidence. Thank you once again Lumbini and Mel Finance Mortgage Brokers!

We were referred to Lumbini Wekunagoda at Mel Finance Services by our financial adviser, and we couldn't be more grateful. From start to finish, Lumbini guided my wife and me through the entire loan process with exceptional care and professionalism. He went above and beyond our expectations, making everything easy to understand and providing… Read more

support that far exceeded what we had experienced with previous brokers.

When an unexpected situation arose—our property settlement date was suddenly brought forward by several months, giving us only two weeks to secure financing—Lumbini remained calm and reassuring. While we were in panic mode, he assured us he could get it done, and he did. He kept us informed every step of the way and managed to secure the loan within the incredibly tight timeframe.

Lumbini and his team delivered what felt like the impossible, and we are beyond thankful. I cannot recommend him highly enough. If you're looking for a broker who is knowledgeable, proactive, and genuinely supportive, Lumbini is the one.

Exceeded my expectations – Where do I start? I wish I could give you more than 5 stars. We were initially frustrated and feeling defeated with getting loans and buying our first home because every mortgage broker kept ghosting us or saying to wait and come back when our situation changed. I was on a partner visa and only my husband was a permanent resident, which made it… Read more

even more challenging. Both independent brokers and those from banks kept pushing us away.

That’s when we found Lumbini, an excellent mortgage broker. Lumbini made our first home-buying journey so stress-free and smooth. He took the time to help us understand the process and worked incredibly hard to achieve our goal. A significant highlight was when I got my permanent residency in the middle of the house-buying process. Despite having all loans and contracts signed with a previous bank, Lumbini impressed us by securing a loan with different lenders who waived LMI (special condition). He got our loan approved in just two days!

Lumbini was attentive with our emails and clear and transparent with communication. He worked tirelessly to ensure our house-buying experience was smooth and hassle-free. I wholeheartedly recommend his services to anyone in need of expert guidance in the mortgage arena.

Thank you, Lumbini, for your exceptional support and expertise! You are excellent at what you do, and we are thankful that we came across your work through a Google recommendation.- Indira and Hem.

I met Lumbini over 10 years ago when he worked with my daughter and son inlaw for the purchase of their first property. He and his team also helped me with a car loan. It was very swift and professional there is no chasing them up for things they are always on the ball and at the same time very helpful and professional. I recently had Lumbini… Read more

assist with a home loan. He is patient professional and worked through everything with me via zoom calls phone and text. There was always an open line of communication and he was always contactable. I highly recommend Mel Finance Services. Thankyou Lumbini ☺️

We had a great experience working with Lumbini to find the right home loan product for us. He guided us clearly through the different options and explained everything in a way that was easy to understand. As first home buyers, we really appreciated his confidence, knowledge, and support throughout the process.

I've been on my home purchasing journey for 3 years now trying to find the right place at the right time and I have now moved into my first home! Lumbini has been there every step of the way. He helped me with multiple pre-approval's with the bank and always provided great advice with different home options for me, he also spent the time to… Read more

explain the different options I had at the start which was very helpful as it can feel like an overwhelming experience. I would recommend him to anyone and everyone who was interested in purchasing a home!

Lumbrini was excellent throughout the whole process. I found him through Google, and the reason I reached out was because he was one of the highest-rated brokers — and honestly, I just needed someone competent who could get the job done fast. He processed everything in record time and honestly pulled off miracles along the way. His… Read more

communication, efficiency and ability to navigate challenges made the whole experience so much less stressful.

I genuinely couldn’t recommend him highly enough.

Lumbini was such a great help - from explaining the mortgage process to guiding me through buying my first house he has been so helpful and supportive. He works quickly and efficiently but also detail oriented - the whole process was very smooth as a FHB. He's also very friendly and passionate about his work and will help you through every step of the process. I've had a great experience and already recommended to all my friends and family.

We honestly can’t recommend Lumbini highly enough. As first-home buyers, we had absolutely no idea what we were doing and the whole process felt pretty overwhelming at the start. From day one, Lumbini was incredibly helpful, friendly, and supportive. He took the time to explain everything clearly, answered all our questions without ever making us… Read more

feel silly, and guided us through each step with patience and confidence. It genuinely felt like he was on our team and cared about helping us achieve our goal, not just ticking boxes.

Thanks to Lumbini’s knowledge and support, we were able to buy our first home with confidence. If you’re looking for a mortgage broker who is approachable, trustworthy, and truly has your best interests at heart, we wouldn’t go anywhere else.

Was introduced by my Daughter to Lumbini from Mel Finance Services as we had unexpectedly found an investment property and we needed to find out fast if could get a mortgage. Lumbini contacted us straight away and was very prompt in the initial assessment to enable us to make a bid. He provided us great advice and managed to turn around loan… Read more

approval in a short space of time. Lumbini has been very helpful and goes out of his way to make sure everything is ok. Highly recommend.

Lumbini was very knowledgeable and made the process of buying our first home so so easy! He was quick and efficient in all aspects and was very transparent throughout.

Thank you so much Lumbini. After a stressful journey, I’m glad to have him by my side supporting us through this process. Highly recommend

I am very happy with the experience we had in buying our first home in melbourne with Lumbini.Lumbini is professional, very helpful,reachable, made me understand the whole process very systematically .Will recommend his services to others as well.

Excellent and professional service! We had a superior support from Lumbini from inquiry to finally acquiring our first home. Always responsive and ideas are impressive. Highly recommended!

Working with Lumbini was one of the best decisions we made during our home-buying journey. From the very first consultation, he was incredibly knowledgeable, professional, and attentive to our needs. He took the time to clearly explain all of our options, answered every question patiently, and guided us through the mortgage process with ease and confidence. I highly recommend Lumbini, especially if you are a first home buyer.

I was looking for some advice and reached out via the available phone number after my working hours. Lumbini took the time to call me outside of hours to arrange an initial consultation. Initial consultation was detailed, addressing all the questions I had. Post our initial meeting, Lumbini was proactive in following up and took the time to… Read more

arrange further meetings to clarify any additional product and process concerns/questions.

The whole process of loan settlement was timely and smooth. Lumbini made sure I was clear on each step, providing updates throughout.

Lumbini was the man with the plan through out my whole experience as a first home buyer. Having only found him online he proved more than sufficient and proved otherwise as set out in his reviews. He was clear, driven, supportive and caring throughout the process especially through such a daunting first step for myself. He has set me in the right direction and i can't thank him enough for going above and beyond.

I can’t thank Lumbini enough for his help in buying my first home! Being a first home buyer, I really had little idea what I was doing! But Lumbini really supported me through the process, explaining everything to me (sometimes more than once!) and answering all my questions (while never making me feel that I was asking too many!). Highly recommend Lumbini for those wanting a broker who truly cares in his support of the buying process.

As a 26-year-old who recently moved to Melbourne to kickstart my career in financial services, buying my first home felt like a daunting task. I had been thinking about it for a while, and thankfully, I had Lumbini by my side to make it happen! Lumbini was absolutely fantastic throughout the entire process. He was incredibly patient, explaining… Read more

all the technical details in a way that made sense—ensuring I felt confident and informed every step of the way. No question was too small or silly; he was always easy to reach and happy to help whenever I needed clarification.

Thanks to Lumbini's expertise, I was able to secure financing and purchase my first home, and I couldn’t be more thrilled! His professionalism and dedication are unmatched, and I can’t recommend him highly enough.

If you’re looking for someone who truly cares about helping you achieve your goals, Lumbini is your guy. 10/10, I’ll definitely be using his services again in the future!

We were introduced to Lumbini by a friend, and we're so glad we were! As first-time home buyers, the whole process felt overwhelming at first, but Lumbini made it so much easier. He was incredibly patient, supportive, and took the time to explain everything we needed to know in a clear and reassuring way. He even went beyond just handling the… Read more

mortgage—offering helpful guidance while we were looking at properties, which made a big difference. We’re really happy with how everything went and feel lucky to have had Lumbini’s support throughout. Highly recommend him!

We had the pleasure of working with Lumbini to secure a loan for our first home - he was fabulous! Lumbini was incredibly kind and welcoming and always made sure that my partner and I were across all the details. He was very thorough and went through all the information to make sure we knew exactly what we were doing. Thank you Lumbini! You are an incredible broker and person.

Lumbini was an attentive, informative, and knowledgeable mortgage broker. He helped me understand the processes of buying a first home, and was well versed in aspects ranging from first home buyer grants/subsidies and market conditions. I would recommend his service.

Highly Recommend! Lumbini's friendly nature is exceptional when dealing with finances. I felt listened to every step of the way, and the process was stress-free. If you are looking for a fantastic mortgage broker, do not hesitate to contact Lumbini Wekunagoda from Mel Finance.

Lumbini has been fantastic to deal with since the very first phone call I had with him. He helped both my husband and I get a SMSF loan when other lenders were not able to help us. Without Lumbini's help our investment property would not have been achievable so we are truly grateful for his help. Lumbini has great communication skills, has… Read more

empathy and compassion and is very hard working.

I would highly recommend Lumbini's services to my family and friends.

Michelle and Nick

Highly recommend – I'm settled in my new home thanks to Lumbini! I'm self employed and I found that other brokers had told me it wasn't possible to get a loan. Lumbini is friendly and made the process simple whilst securing a great rate for me. Highly recommend

Highly recommend! – I had a fantastic experience working with Lumbini, from Mel Finance. From start to finish, Lumbini was incredibly helpful, offering solid advice and guiding me through every step of the process. They were always available to answer my questions and made the entire experience smooth and stress-free. Highly recommend!

Highly recommend – Lumbini was so helpful. He answered all our questions and reassured us when we were stressed by the process. Negotiated a good rate for us too. Highly recommend.

Consistently Exceeds Expectations – I wholeheartedly recommend Lumbini! The entire mortgage process was seamless and stress-free from start to finish. Their thorough explanations made everything clear, allowing me to grasp each step completely. This was especially beneficial for me as someone who isn't well-versed in modern technology. Their patience and support were absolutely… Read more

outstanding. The process was remarkably quick, and their openness throughout instilled a strong sense of trust in their work. I had complete confidence in them, which is crucial when it comes to making a significant financial choice. If you're in search of a mortgage broker who truly prioritises their clients and consistently exceeds expectations, Lumbini is the perfect choice!

Highly Recommended – Lumbini at Mel Finance Mortgage Brokers came highly recommended from a family member who had used his services - and I would not hesitate to further recommend him to anyone in need of a broker. Lumbini was friendly, professional, responsive, and made what can be a complicated and stressful process - simple and stress free. Communication was… Read more

clear and to the point, and all support services were provided with regards to a smooth settlement.

We couldn't be more happy with the service and outcome... thanks Lumbini!

Extremely awesome experience with Lumbini Wekunagoda – 10/10 Phenomenal experience with Lumbini Wekunagoda Outlined the entire process in the beginning and then was ready for any questions we had at every step and we never felt like we didn't know what was coming next. Now, with house keys in hand I gotta say he made this entire experience very streamlined and has us coming out of it feeling very satisfied with our purchase, knowing every base is covered.

Lumbini is the best – Lumbini was fantastic to deal with, Lumbini has now complete our second loan application helping us secure our investment property’s. He took the time to explain every aspect making sure at every stage we understood what was required for each step. Lumbini has made the process of buying investment property’s a seamless process, we could not have… Read more

completed this process without him Thanks again Lumbini, we couldn’t have done it without you. Highly recommend Lumbini to anyone.

Exceptional Customer Experience – I had such a wonderful experience with Lumbini as my Mortgage Broker. I was a first home buyer and had no idea what to do. I had a meeting with him and he took his time to explain the process clearly of the home loan process, step by step and pointed me in the right direction of my needs. He was so efficient with the application for my home loan… Read more

and had the best communication and support with me the entire way. I was able to purchase my first home of my favourite property, with the quickest turnaround. A huge thank you to Lumbini at Mel Finance for his help and guidance. I highly recommend him!!

Exceptional Service and Expertise in a Challenging Loan Process – I am incredibly grateful for the exceptional service provided by Lumbini. My loan application presented numerous challenges, but he tackled every obstacle with professionalism and skill. He was proactive, communicative, and dedicated, turning what seemed like an impossible situation into a successful outcome. His expertise and commitment truly set… Read more

him apart. For anyone in need of a top-notch broker who can handle even the toughest cases, Lumbini is the perfect choice. Thank you for your outstanding support!

Fantastic experience – Working with Lumbini was such a fantastic experience. Such a down to earth person He was very clear and informative, made sure that we understood what was required and what our options were the entire way through. It was such a smooth process. I would absolutely recommend Mel Finance Services, and would definitely use them myself again in the future.