What If We Finance

Purchasing our first home was an exciting but daunting experience, and we couldn’t have done it without the incredible support of What If We Finance. From the very beginning, Spiro proved to be a true professional, guiding us through every stage of the process with expertise, patience, and unwavering dedication. We had very little knowledge about… Read more

how home financing worked, but Spiro made it seamless, explaining everything clearly and keeping us updated at every step. He assured us that all we had to do was choose where we wanted to live, and true to his word, he handled the rest. His transparency and proactive communication meant we always felt confident in the decisions we were making.

We also had the pleasure of dealing with Jaan, who was equally professional and helpful. The team's commitment to making this journey stress free was evident from start to finish. Thanks to their guidance, we've secured finance, put down our deposit, and have now received unconditional approval from the bank. Something that once seemed overwhelming, now upon reflection, feels like a smooth and well managed process.

We look forward to continuing our relationship with What If We Finance. After the outstanding experience we’ve had, we wouldn’t ever consider going anywhere else! If you’re looking for a mortgage broker who genuinely cares about your journey and will go above and beyond to ensure you get the best outcome, What If We Finance is the team to trust. Thank you Spiro and Jaan!!!

I cannot speak highly enough of Spiro and the team at What If We Finance and the exceptional service, care and transparency he provided in securing a loan that I thought was near impossible. Facing a complex court settlement due to my separation, I needed a loan exceeding $850,000, combining a part payment to my wife and refinancing my existing… Read more

property. Time was critical, as defaulting would have forced me to sell my home, potentially leaving me with no where to go.

Spiro accomplished this feat in just over a week which in the broking world is unheard of working tirelessly day in and day out. His expertise, dedication and ability to navigate such a challenging financial situation were nothing short of remarkable. Beyond his technical skill, his customer service was impeccable. He kept me informed at every step, provided clear updates, and gave me complete visibility into the process, which brought me immense peace of mind during a stressful time.

Thanks to Spiro , I secured the loan and avoided a devastating outcome. He turned what seemed unachievable into reality, and I am beyond grateful for his professionalism and commitment. If your looking for a broker who goes above and beyond, Spiro and the team at What If We Finance is the one I trust - Thank you Spiro I am forever grateful.

Outstanding Mortgage Broker – Highly Recommended! – I had spoken to two other mortgage brokers before reaching out to Spiro, but I didn’t proceed with them because I wasn’t confident in their approach. That all changed the moment I contacted Spiro. Within minutes, he gave me a call and arranged a video meeting the same day. During our video call, Spiro came fully prepared with a PowerPoint… Read more

presentation explaining how construction finance works, as I had initially indicated that we were considering building a house. He also had a well-organised spreadsheet that clearly outlined all costs, including mortgage payments and government fees, which gave us a full picture of what to expect based on different purchase prices. He shared the spreadsheet, which I modified to do my own analysis. This helped me play around with different options, and it was a very useful tool in our buying journey.

Not only did Spiro provide clarity on the financial aspects, but he also helped us weigh the pros and cons of buying land and building versus purchasing an established home. His insights expanded our options and allowed us to make a more informed decision. Even when we were undecided in the first few days, he reassured us that no matter what path we chose, he would provide the expertise we needed.

Once we started viewing properties and found one we liked, Spiro stepped up even further. He provided us with free CoreLogic reports to help gauge market value, quickly gathered our documents, and within just two days, presented us with a financial position report and multiple lending options. When we gave him the go-ahead to proceed with the loan application, he wasted no time—submitting it to our chosen lender that very same day.

Even before getting pre-approval from the bank, Spiro gave us the confidence to make an offer subject to finance. When our first offer was declined, we found another property and wanted to make our next offer as attractive as possible. Spiro’s expertise and confidence in his ability to secure our loan reassured us, and we trusted him completely. We decided to make an unconditional offer, even before pre-approval, knowing that Spiro had our back. The risk paid off—our offer was accepted! From there, things moved incredibly fast. He arranged the valuation and secured pre-approval the next day, and within just three business days, we had unconditional approval from the bank.

From the moment I first reached out to Spiro to the day we received unconditional approval, the entire process took only three weeks—and that included time spent deliberating whether to build or buy an existing home, going to open homes, compiling our documents, etc. Once we decided, everything happened at lightning speed, allowing us to make a strong, competitive offer and secure our dream home.

Spiro takes great pride in his work ethic, and it truly shows. He is proactive, detail-oriented, and genuinely invested in his clients’ success. He excels at explaining complex financial concepts clearly, making everything easy to understand. His availability and communication were exceptional—always reachable seven days a week, which was invaluable when making critical decisions over the weekend. His responsiveness, efficiency, and willingness to go the extra mile made the entire process smooth and stress-free.

If you’re looking for a mortgage broker who is knowledgeable, proactive, and truly invested in helping you succeed, Spiro is the one to trust. I can’t recommend him highly enough!

Fantastic service from start to finish. The whole process was smooth and stress-free, and we always felt supported and well-informed. Thank you for helping us secure our home loan! Show details

We had such a great experience working with Spiro and Jaan! From day one, he was incredibly helpful, responsive, and genuinely supportive. He always made time for us — even answering calls while he was overseas! Nothing was ever too much trouble, and he explained everything clearly so we felt confident at every step. Buying a home can be… Read more

stressful, but they made the whole process smooth and actually enjoyable. We’re so grateful for his dedication and couldn’t recommend him more highly. 10/10!

I recently used Spiro for my refinance and couldn’t be happier with the result. He made the entire process simple and stress free, clearly explaining all my options and guiding me through each step. His communication was excellent, always responsive and proactive, and he worked hard to secure a very competitive rate that has significantly improved… Read more

my financial position. Spiro is professional, knowledgeable, and genuinely committed to getting the best outcome. I highly recommend him to anyone looking to refinance.

I can’t recommend What If We Finance highly enough. I worked with Spiro and Jaan on what I was 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. His communication was clear, his guidance was spot‑on, and he handled every hurdle with… Read more

confidence. I’ve dealt with a few mortgage brokers over the years, and Spiro is easily the best of them. He took all the pressure out of the process and delivered a fantastic result. If you want a broker who genuinely cares, knows their stuff, and makes the whole journey simple, Spiro and What If We Finance are the team you want in your corner.

We had a great experience working with Spiro and Jaan from start to finish. They were professional, responsive, and explained everything clearly, making the whole home loan process stress-free. They guided us every step of the way. Highly recommend to anyone looking for a reliable and knowledgeable broker! Show details

Spiro was fantastic to work with. Clear communication, honest advice, and very professional throughout the entire process. He made everything smooth and stress-free. Highly recommend. Show details

Spiro and the team at What If We Finance were an incredible group of people to have in our corner in the journey of buying our dream home. From start to finish, we were given consistent advice and assistance throughout the entire process. The personal care and thought given to us made us feel like our best interests were always paramount and the… Read more

support we received gave us the confidence to navigate the intimidating world of home buying. We are so grateful to Spiro and the team for helping us find our perfect home with a great lender under the time pressure we presented to them. I highly recommend What If We Finance to anyone looking to buy in Melbourne. Thanks again team!

He has been very straightforward and upfront from day one, with no beating around the bush, which we really appreciated. The transparency throughout the entire process made everything clear and stress-free, and we always knew exactly where things stood. He was extremely supportive at every stage, explained things in a simple and practical way,… Read more

and was always available whenever we had questions. His professionalism, honesty, and attention to detail gave me a lot of confidence in the decisions being made. We would definitely recommend him to anyone looking for a reliable and trustworthy finance broker.”

Spiro was absolutely fantastic in helping us purchase our first home! He made the entire process smooth, stress-free, and incredibly efficient. From guiding us through every step to getting our loan approved so quickly, his professionalism and responsiveness were outstanding. He was always available to answer any questions, no matter how small,… Read more

which gave us so much confidence throughout the process. We truly appreciate his support and couldn’t recommend him highly enough—thank you, Spiro, for making our dream a reality!

As a first home buyer I honestly couldn’t have asked for a better experience. From day one, What If We Finance made me feel completely supported and cared for. Spiro explained everything in such a clear and friendly way that I always felt at ease. He made the whole process simple and guided me through every step with genuine care. He was so… Read more

approachable and caring that I never once felt alone or unsure, he truly went above and beyond.

If you’re looking for a mortgage broker who delivers exceptional service, takes away the stress, and makes the journey exciting, I can’t recommend What If We Finance highly enough. They are outstanding in every way and made my dream of buying my first home a reality.

I can’t recommend Spiro and his team highly enough! He was incredibly helpful throughout the entire mortgage process and always available whenever I needed support or reassurance. He took the time to explain everything clearly, put my mind at ease whenever I felt stressed, and guided me step by step. His professionalism, knowledge, and patience made what could have been a daunting process so much smoother. Show details

Spiro and Jaan helped us buy our first home and they were exceptional. Not only did they answer all our questions, they went over and beyond giving us confidence to make the leap and buy a home. No questions were too hard, everything was clearly explained and all loan options were presented clearly and in simple language. Overall they were … Read more

fantastic and just awesome to work with, We could not have done it without them and if you want a top notch mortgage broker look no further.Thank you so much

We had a fantastic experience working with Spiro and his team. From the very beginning, he was extremely professional, transparent, and responsive. He took the time to clearly walk us through every step of the process, ensuring we understood all the details and felt confident throughout. What really impressed us was how quickly he got things… Read more

moving — we received our pre-approval in just a few days, which exceeded our expectations. His prompt communication and deep knowledge made the entire process smooth and stress-free.

We are truly impressed with the level of service we received and highly recommend him to anyone looking for a trustworthy and efficient mortgage broker.

Spiro worked quickly to get me pre-approval for my home and responded to all my enquiries and questions, plus provided good advice. They have been sending me all the property reports I need to prepare to purchase my new home. They can also organise settlement within 30 days for a quick move. Very happy with the service. Show details

We've worked with Spiro and the team in What If We Finance for our first home, and our experience has been outstanding. Spiro is incredibly knowledgeable everything about home loan, the available lenders and always provides valuable insights in our first home journey. He's very responsive and professional, making the entire process smooth and… Read more

stress-free. Assessed us with our borrower's financial situation, compared different loan options, and guided us through the application process, always acted in our best interest. Overall, Spiro is a top-notch mortgage broker everyone needs. Highly recommended for anyone looking for assistance in home loans.

Brilliant Experience. I was recommended What If We Finance by a friend and was very impressed with the prompt response, approach and knowledge of the service Spiro provided. He asked me questions on just what he needed, explained everything in detail and knew exactly what I was after. Highly Recommend

Spiro and the team were incredibly knowledgeable and guided us through the whole process, all questions answered with professionalism (even some of my more basic ones). Very smooth process would use them again if I need to refinance and will definitely refer friends and family to the. THANKS! (Similar review left on Google review also) Show details

I had an excellent experience with What If We Finance mortgage brokers. Spiro and his team were professional, knowledgeable, and truly cared about finding the best solution for my needs and was always on hand to answer any questions i had around the clock. He made the process smooth and stress-free, with clear communication every step of the way. I highly recommend their services to anyone looking for reliable and efficient mortgage assistance! Show details

Spiro and his team were very knowledgeable, responsive and prompt during the entire process. We felt confident navigating through all the stages of obtaining our approval with Spiro's guidance. I highly recommended What If We Finance to anyone looking to purchase a home. Show details

Quality service – Professional, knowledgeable, and very responsive. The entire process was quick and easy compared to experiences with other brokers, and I felt informed every step of the way. They even worked on my application outside of business hours. I will be recommending Spiro and the team to anyone I know needing help with a home loan. Thanks again Spiro. Show details

10/10 experience – I have worked with Spiro a few times now, the team at What If We Finance will always be my go to for any mortgage needs! Spiro's communication is absolutely top notch, he is always on top of everything. I have now mortgaged through Spiro in both QLD and TAS and he has made what can be a stressful experience so easy and efficient. I cannot rate What If We Finance highly enough! Show details

Insightful and Helpful! – Spiro and team are insightful and proactive. They understood my needs and worked seamlessly to get me the much required Pre-Approval. Buying a home or a property is an important decision and I appreciated that Spiro had some great insights to offer!

Definitely recommend – I refinanced my home loan with What If We Finance. I’ve worked with them before and thought the process would be relatively straightforward but it went even better than I’d hoped. They are easy to contact, provide good customer service and I had no issues at all with them. I’m also happy with the interest rate I got. Highly recommend. Show details

Their years of experience makes home buying simple and easy – We came in knowing a little about the home buying process, but having Spiro and the team guide us through the journey gave us peace of mind and assurance that everything would go smoothly. Their years of knowledge and experience make things simple to understand, and their contactibility was amazing - we are busy working full-time during the week, so having after hours or weekend consults was perfect for us. We recommend highly! Show details

Professional and reliable – Spiro and Jaan Kolokithas from What if we finance were exceptional to deal with when buying our new home. This is the third time using their service and we can't recommend them highly! Show details

Made a difficult process easy and stress free – We got our home loan with Spiro and were very happy with the process and results. He explained things clearly, worked around our time constraints including after work hours, was happy to answer questions, didn't push any options but rather explained the options and made sure we were comfortable with them, and then managed to get our loan approved extremely quickly and efficiently. Would highly recommend and happily use him again.

Highly valuable, exceptional customer service – Spiro has provided incredibly valuable help throughout the process where we were refinancing our mortgage and securing a new loan for another property at the same time. From making recommendations, finding the best deal and then navigating the administrative process, it has been a fantastic experience. Spiro seems to always be available for… Read more

support even outside office hours which is very helpful for people busy with their jobs during the day. We highly recommend his services.

Amazing service – Spiro was a tremendous help in finding us a mortgage. He was always professional and took the time to explain all the steps and forms which was greatly appreciated. And dedicated too! I felt somewhat bad that he was calling me up while he was on holidays overseas to keep me in the loop with what was happening. Amazing service. Amazing guy. He's saved as "Spiro Mortgage Broker (and great guy)" in my phone for a reason. Show details