2 Jan 2025
“Luke has been really helpful, considered and very personable in his approach to assisting us with our needs. He was actually recommended by a friend and it is obvious as to why he has built a strong r...”
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Robert Chittick
Google Review
Lending Solutions
Comprehensive mortgage solutions
1
First Home Buyers
Buying your first home can feel overwhelming. Amelia simplifies the process from pre-approval to settlement so you can focus on finding the right property.
2
Investment Loans
Build your property portfolio with smart lending strategies tailored to maximise returns and protect your long-term financial goals.
3
Refinancing
Could you be getting a better deal? Amelia reviews your current loan and finds competitive rates that could save you thousands over the life of your mortgage.
4
Home Loans
From variable to fixed rates, Amelia searches across her panel of lenders to secure the right home loan for your situation and lifestyle.
5
Construction Loans
Building your dream home? Amelia guides you through the unique structure of construction finance, from initial draw to handover.
6
Loan Pre-Approval
Shop with confidence. Amelia secures pre-approval so you know exactly your borrowing power before you fall in love with a property.
Why Choose Us
Strategic lending, not just a loan
Over 10 years of lending experience
Efficient & transparent process
Tailored to your goals & circumstances
Integrated with your financial plan
Ongoing strategic support post-settlement
Access to a wide panel of lenders
Long-term client relationships
Property management & conveyancing background
No cost to you in most circumstances
10+Years Exp
Meet Your Broker
Amelia — your dedicated
mortgage broker
Mortgage Broker · What If Advice
Amelia is a dedicated Mortgage Broker who is passionate about helping clients navigate lending with confidence and clarity. She works closely with clients to find lending solutions tailored to their goals, circumstances, and future plans.
- Over 10 years of experience across property management, conveyancing, settlements, and mortgage broking
- Tailors lending solutions to suit both current needs and long-term financial goals
- Committed to making the lending process efficient, transparent, and well-supported
- Focused on long-term client relationships and ongoing strategic support as clients' needs evolve
How It Works
Your mortgage journey, step by step
1
Initial Consultation
We sit down to understand your goals, financial position, and what you're looking to achieve with your next property move.
2
Loan Assessment
Amelia assesses your borrowing capacity and searches across her lender panel to find the most suitable options.
3
Application & Approval
We submit your application and manage all the paperwork, keeping you informed at every step until approval is secured.
4
Settlement & Beyond
Once you settle, our support continues. Amelia reviews your loan to ensure it remains competitive as your life evolves.
Client Success
Trusted by Australians to build a better future
Real stories from real clients who have taken control of their financial destiny.
29 Dec 2024
“Excellent advice given in terms I could understand with an achievable plan for future me.”
T
Tammie Pickard
Google Review
01 Dec 2024
“Very helpful and knowledgeable advisers, would highly recommend their team.”
S
Stephanie G
Google Review
01 Dec 2024
“On recommendation from a business contact of ours we contacted What If Advice to help us with a business and personal life financial plan for our super and insurances. Ben and Leigh present as, and ha...”
J
Jiggles Jangles
Google Review
01 Dec 2024
“I have recently met with Ben and Leigh to discuss financial strategy personally and for my business. They are both very personable and genuine guys and I felt throughout the sessions that without a do...”
M
Melissa Moore
Google Review
29 Nov 2024
“I had the pleasure of having Ben Collin's as my financial advisor for my business and wow, the support and advice I got really helped the growth and opened my eyes to new and exciting ways to boost my...”
R
Riley Yarnold
Google Review
26 Nov 2024
“What If Advice has been amazing - I had an excellent experience working with Luke especially! Their team is not only highly knowledgeable but also incredibly approachable and patient. They took the ti...”
S
Stephanie Phillips
Google Review
26 Nov 2024
“Meeting with Luke at 'What If' has been a very positive experience. Not only is his advice helpful but he's a pleasure to deal with and communicates information clearly. I highly recommend What If Adv...”
A
Ali Grace
Google Review
26 Nov 2024
“Nice friendly people, very helpful easy to deal with - recommend their service.”
T
Trevor
Google Review
20 Nov 2024
“Professional service from start to finish. The team really understood our family situation and created a plan that works for us.”
M
Michael Chen
Google Review
15 Nov 2024
“Best financial advice I've received. Clear explanations and practical strategies that I can actually implement.”
S
Sarah Johnson
Google Review
10 Nov 2024
“What If Advice helped us navigate a complex inheritance situation. Their expertise and patience made all the difference.”
D
David Smith
Google Review
05 Nov 2024
“I was worried about retirement but the team put together a comprehensive plan that gave me confidence in my future.”
E
Emma Wilson
Google Review
01 Nov 2024
“Great experience with the whole team. They take time to explain everything and make sure you understand your options.”
J
James Anderson
Google Review
28 Oct 2024
“Highly recommend! They helped restructure my business finances and I'm already seeing the benefits.”
L
Lisa Brown
Google Review
How can we help?
Choose the right next step.
Book a quick chat, request a call back, review your rate, or ask for a property valuation — pick what fits and we'll take it from there.
15 min strategy chat
No obligation · With Amelia
A quick conversation to understand your goals, borrowing capacity, and the best next step for your situation.
Request a call back
We’ll ring you
Share a few details and Amelia or our team will call you back at a time that suits.
Review my rate
Could you save?
Tell us about your current loan and we’ll check whether a better rate or structure is available.
Property valuation
Buying or refinancing
Request an indicative view on a property you’re buying, selling, or using for equity.
We'll confirm your request by email or phone, usually within one business day.