3Mel Finance Services

Mel Finance Services

3Mel Finance Services

112 reviews

100% · 1120%


112 reviews
112 reviews

Exceptional service for all financial needs

Lumbini and the team went above and beyond with our financial needs, even when a curve ball popped up he was there with different scenarios ready to go. Fantastic communicating and explaining the process. Would recommend hands down and will be using in the future Show details

Extremely helpful every step of the way highly recommended!!!

Lumbini was amazing and helped us out immensely with our finance needs. He helped us to get a better deal on our loan when refinancing and has continued to help with our short and long term goals as well us give us a better understanding of how home loans work. Highly recommended!!! Show details
Michael H.
Michael H.

Extremely helpful throughout building our 1st home

Our mortgage broker Lumbini Wekunagoda was so helpful, friendly and professiona throughout the process of building our 1st home. He took time to explain the different loan options and what different banking and housing jargon meant. He provided a detailed and transparent report of exactly what we would be paying for each option provided over the life of the loan. We felt supported in our decision making process and he continues to support us with any ongoing enquiries we may have. Show details

Fantastic service Highly recommend

Was recommended to another broker through a friend but after a google search and reading the great reviews I decided to give Lumbini a call, so glad I did! Lumbini was very upfront, honest and professional from the start to finish. He explained the pros and cons of all available loan packages and always made himself available to answer any questions. Can’t recommend Lumbini enough,
Thanks Show details
Rob T
Rob TGreater Melbourne (Outer), VIC

You're in good hands

Lumbini was very friendly, upfront and helpful every step of the way. He made himself available to answer any questions and explained things in easy to understand terms. We definitely felt confident throughout the entire process. Thank you. Show details
MussGreater Melbourne (Metropolitan), VIC15 posts

What an Absolute LEGEND!

It is impossible to thank Lumbini enough for always going the extra mile for us. He just goes above and beyond every time without fail. HIGHLY RECOMMENDED & The Best Broker! Show details
Chris D.
Chris D.Greater Melbourne (Inner), VIC4 posts

Very positive experience!

Lumbini was great to deal with, he always took the time to explain things to us in ways we could understand and was very patient with us. It was clear he had our best interests in mind at all times Show details
Sarah Calafiore
Sarah CalafioreGreater Melbourne (Outer), VIC

Cannot go wrong with Lumbini

He made my partner and I feel very secure as we ventured into our next financial chapter and educated us at the same time. He found the best rate and made our refinance and new loan problem free.  Show details
BrendanGreater Melbourne (Metropolitan), VIC

Best Broker in Australia!

Lumbini made the process of buying our first home simple and easy to follow. Lumbini is able to use his network of banks and contacts to ensure the best deal is presented and always avalible to answer any questions along the way. Show details
Samantha Moorfoot
Samantha Moorfoot

Excellent customer service and support

Lumbini provided such excellent customer service. We worked with Lumbini for quite some time but he always followed through with calls and emails. He helped us get exactly what we wanted. Thanks for your help Lumbini. We will definitely call you when we're after a loan again in the future Show details
Application Process

Great Service

Lumbini did a great job securing our home loan working within a very tight timeframe. With regular calls and transparency throughout the process, we were well supported and faithfully represented. Thanks Lumbini! ☺️ Show details
NatalieWide Bay-Burnett, QLD

Positive: Professionalism

Thanks to Lumbini and his team, they have made the process of switching banks and refinancing much easier. We would have struggled and given-up no doubt if we were alone in this process.
Communication was regular during the process, and we are happy with our new financial situation. Show details
Application Process
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TimothyGreater Melbourne (Outer), VIC

Lumbini made it very easy to purchase a property

Lumbini from Mel Financial Services was professional and efficient. It was a pleasure to deal with him.
He kept me in the loop with everything and will certainly be using him next time. Show details

What a great team

What a frustrating experience dealing with banks. Although all documents submitted months in advance, we finally received approval on day of settlement thanks largely to Lumbini and his team’s tenacity.
Thanks to the team for keeping us up to date during the process, your communication was fantastic during the whole experience.
Rohan. F
Rohan. FGreater Melbourne (Outer), VIC2 posts

Stellar Service

Kudos to Lumbini in the great job of navigating us through refinancing of our home loan and also arranging the finance of our first investment property. Lumbini was always ready to offer advice on the best course of action and eased many of the frustrations of dealing with the bureaucracy of the banks. I wouldn't hesitate to recommend Lumbini for his professionalism, care and attention to detail he showed managing the process of financing our projects. Thanks Lumbini and all the best. Show details

Highly recommend

Another great experience with Lumbini, this time for refinancing. Although it was not an easy process from bank and took almost 2 month longer than what bank mentions through application forms but same as always he did a great job. Thanks mate Show details
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Mick D
Mick D2 posts

Quality Service with a smile

My wife and I have taken the opportunity through the Covid period to review and restructure our financial position and was fortunate enough to have been referred to Lumbini to guide and assist us. He has turned what was to us a daunting task, into a seamless, stress free process, always having our best interests at front of mind. We have no hesitation in recommending Lumbini and Mel Finance and we will continue to use them in the future. Thanks Lumbini Show details
Chris C
Chris CMurrumbidgee Region, NSW

Worth 6 Stars!

My wife and I are extremely lucky to have been referred to Mel Finance for refinancing our home and purchasing our first investment property. Lumbini strived to help us achieve our goals and delivered it all with a refreshing smile. His clients are the beneficiary of his extensive knowledge of the financial industry. I cannot recommend Mel Finance enough and look forward to working with Lumbini again in the future. Thank you Lumbini you legend!!
Briony Glidden
Briony Glidden

Fantastic help and fantastic outcome

Lumbini's focus was to provide the outcome our family needed in the time we needed and he did not fail to deliver! He was there every step of the way, explaining everything in a way we could understand and providing support whenever needed. He was very thorough and always checked in to make sure that the process was going as planned - even after the loan was settled. We wouldn't hesitate to recommend Lumbini to friends or use him again when it is time to refinance. Show details
Chloe2 posts

Lumbini goes above and beyond every time!

We were referred to Lumbini at Mel Finance Services via the VSMA team and we couldn't be happier with the service we've received. Right from the very beginning, nothing has ever been a hassle and Lumbini has always been happy to take the time to answer all of our questions and guide us through processes. He is so knowledgable and has always ensured we fully understand and are comfortable with all activity being undertaken. He has the biggest smile and is super friendly too - we wouldn't hesitate to recommend him and Mel Finance Services. Show details
S. Perera
S. Perera

Lumbini @ Mel Finance Services is #1

Lumbini has been awesome to deal with from day one. Very happy with our re-financing. Lumbini has a wealth of experience and always helpful. He goes the extra mile with a smile. His passion, professionalism responsiveness and quality advice is truly exceptional. We highly recommend Lumbini and his team at Mel Finance Services to everyone! Appreciate all your hard work and looking forward to using your valuable services again soon...
Meng S.
Meng S.Greater Melbourne (Inner), VIC

Awesome service with a smile

We contacted Lumbini after seeing all the positive reviews he’s received. We wholeheartedly agree that Lumbini has been wonderful to work with and incredibly knowledgeable. He thoroughly stepped us through the process from start to finish and was always available to answer any questions we had. He understood our needs and delivered up products that met them. Lumbini helped us achieved our financial goals and we’re so grateful. We highly recommend his services.
Nick F.
Nick F.Central Highlands and Goldfields, VIC

Great advice with an attention to detail creating a desirable outcome

Lumbini has been a rockstar to work with and very patient while talking through the details. We felt very well looked after and we will be back for the next purchase when the time is right. Thanks again Lumbini and to the VSMA team for introducing us. Show details
Tim L.
Tim L.Greater Melbourne (Metropolitan), VIC

Cannot recommend him highly enough

Lumbini's brokerage services set up new loans for investment and SMSF made our COVID-year portfolio transformation possible! Explained everything and managed the whole process covid-flexibly with the banks and lenders.  Show details
PatopattoMurray Region, NSW

Highly recommend!

From the outset, Lumbini has been a pleasure to deal with. He has given us honest and accurate advice and at all times we have felt that he truly is working to get the best results for our situation.
Lumbini has always made himself available at a time to suit our schedule and he has followed everything through to ensure completion.
We will definitely be using Lumbini for our future financing needs. Show details
Daniel MacCormack
Daniel MacCormackGreater Melbourne (Outer), VIC2 posts

This was a good experience, helpul and personal every step of the way

My experience with this company was excellent. I felt i was shown the best rate out of all the other banks. Was informative. I was able to discuss with the broker any questions promptly. He was easy to talk with. Overall i felt the experience was personable,and insightful because of his experience in this field. Show details
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Jim T.
Jim T.

Great Broker & Top Bloke

Lumbini was great at explaining things each step throughout the process in simple terms.
Very knowledgable, genuinely friendly and honost guy.
My partner and I work long hours / shift work and appreciate Lumbini being flexible and avaliable when convenient for us.
Truly a Master of his craft, would recommend to friends and family without hesitation.
Jay F.
Jay F.Greater Melbourne (Metropolitan), VIC

Lumbini is the man

Lumbini is the go-to man for all my loans. He has helped with a number of loan pre-approvals and has also secured me better rates through refinancing. I would recommend his services to anyone looking for guidance in getting the best available loan
Evie4 posts


Lumbini, you are one amazing person. So helpful and humble. I highly recommend this very knowledgeable man in helping you with your finance needs. He will email or call you at all hours of the day. Whenever you need him he is there. Whether you are refinancing, needing a mortgage or want to be directed to someone that can help you with personal or small loans he is more than happy to assist. I wouldn’t and couldn’t go anywhere else now that I’ve found Lumbini. Thank you Lumbini for everything! Show reply
Gayan and Ruvi
Gayan and RuviGreater Melbourne (Inner), VIC

Highly recommend Lumbini

We would highly recommend Lumbini to anyone. He was very responsive & updated us throughout the refinancing process. And we now have better interest rates and a better structure than our previous bank thanks to him too!

Gayan and Ruvi Show details ·  1

JustinGreater Melbourne (Inner), VIC

Professional and did a great job

Lumbini did a great job with my refinancing. Really professional, responsive, great attention to detail and got the job done seamlessly. Thanks Lumbini for your advice and helping me unlock great savings. Show details ·  1

Great experience!

We highly recommend Lumbini, he is a pleasure to deal with, he made the whole process stress free and is very efficient. Lumbini takes the time to explain everything in detail and is very responsive with any queries that we had. Thanks Lumbini! Show details
rennsport911Greater Melbourne (Inner), VIC2 posts

Total peace of mind and stress-free borrowing

Lumbini is an absolute pleasure to deal with, always super responsive and very knowledgeable about which avenue will deliver the greatest result. I highly recommend him and will definitely get in touch next time! Show reply
Shymala and Mahesh
Shymala and MaheshGreater Melbourne (Metropolitan), VIC2 posts

Best finance experience

We had a great experience with Zelka, and then when Lumbini took over its nothing but amazing. Lumbini is helpful, always quick to respond to our questions and calls, very patient and obliging.
Lumbini gives us updates advice and goes the extra mile to get us the best interest rate.Highly recommend Lumbini and Mel finance Services. Show details ·  1
SriGreater Melbourne (Inner), VIC

Efficient and professional

Lumbini helped us through every step of the loan application, the processing & approval.
He is very effective in his communication and efficient in his working style. Simple but efficient.
we highly recommend Lumbini for any mortgage services. Show details ·  1
Dan V
Dan VGreater Melbourne (Inner), VIC

Lumbini is all class

Lumbini was a pleasure to work with.
He was available anytime, was extremely punctual and professional and couldn't have made the process any smoother.
Being first timers to this process, I can't imagine what it would be like to do this myself, or have a broker that wasn't quite up to the job.
Highly recommend Lumbini for this to anyone. Show details ·  1
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RachelleMelbourne2 posts

Highly recommend Mel Finance Services

Lumbini is an exceptional mortgage broker. As first home buyers he explained everything simply and made the process so easy. He is very professional and a pleasure to deal with. Show details ·  1
Tissa2 posts

A Review from a Client

Lumbini has a true professional approach, genuine and always guide with proper advice. He was always available to answer questions and extremely helpful at all times. Highly recommended his service. Show details ·  1
Darren L.
Darren L.Greater Melbourne (Metropolitan), VIC

Lumbini Did A Fantastic Job Securing Our First Home in Melbourne

Excellent Mortgage Broker. Knows His Stuff. Also an all-round nice guy and very professional. Lumbini helped us secure our first home in Melbourne, smoothly and efficiently. He really enjoys his job too, I can tell. Highly recommended! Show details ·  1
Nilesh Yoddha
Nilesh YoddhaGreater Melbourne (Outer), VIC

Excellent service and reliable and efficient work

I recently had the pleasure of meeting and using the services of Lumbini for getting a competitive Investment loan. I contacted a few brokers but settled on Lumbini as he was most articulate, approachable as extremely honest . His work ethic is next to none and was able to quickly get things sorted out with minimal fuss. He is good with his follow ups and ensured I was kept updated with how things were progressing. Highly recommended and I will again be using his services in the near future. Show details ·  1
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