Meet your mortgage broker
Melissa Duncombe
Being a mortgage broker is more than just home loans! I’m passionate about helping people make smart, informed decisions when it comes to home financing. With a background in real estate, I bring a unique perspective to the mortgage process, understanding both the big picture and the fine details that can make a difference.
A home is more than just an investment, it’s a place where memories are made, and my goal is to make sure you’re supported through every step of your journey. Whether you're buying your first home or investing, I’m here to offer tailored solutions, and a commitment to building a lasting relationship based on trust. In today’s ever-changing market, I stay on top of trends and rates, so you don’t have to, giving you peace of mind as you navigate home ownership.
Meet your mortgage broker
Joshua Duncombe
I’m a mortgage broker with a twist! Before jumping into the world of mortgages, I spent years in the construction industry and have a solid understanding of what goes into building homes and renovations. Whether you’re a first-time buyer or someone looking to grow your real estate portfolio, I know how important it is to get the right financing in place and understanding the process involved. I’m here to help make that happen.
What I love about being a mortgage broker is building relationships with my clients. I’m not just here to crunch numbers or get you approved, I'm here to listen, understand what you're looking for, and walk you through the entire process in a way that makes sense to you.
a bit more about
Our Story
Here at The Finance Circle, we understand the property market and customer service is our focus, we can help you navigate the finance process and also help you feel at ease with your financial decisions and investments.
We are experienced in assisting clients with their first and subsequent purchases. In particular, first home buyers and young families.
Our process involves taking the time to understand your financial goals, comparing loans and making the right recommendations for your individual situation. Offering a tailored service ensures your best interests are at heart and you have the best opportunity to reach your financial goals both now and in the future or ‘Lending for Life’ as we prefer to call it!
You can feel confident knowing that we are fully qualified mortgage brokers, holding a Diploma in Finance and Mortgage Broking Management. In addition, we are proud members of the Mortgage and Finance Association of Australia and the Finance Brokers Association of Australasia.
Our Differences
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Frequently Asked Questions
Got Questions? We’ve got answers!
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We do the hard work for you and check your eligibility for any schemes, grants and ways to save you money. We compare our panel of 32 lenders to find the best loan for you, saving you time.
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We are paid commission from the lender, for introducing you and completing all the paperwork for your loan application. In the majority of cases there is no fee to use our broking services, however we may charge a small fee for complex loan scenarios in which case we will disclose this to you upfront.
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We have access to a panel of 32 lenders, this includes all the major banks and allows us to provide a minimum of 3 comparable lenders to suit your lending requirements.
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We are based in Sydney, but have clients Australia wide. With technology such as video conferencing and digital signatures there is no requirement to meet face-to-face.
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Yes, there are lenders who will consider applicants who have just started a job. Eligibility criteria applies.
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Obtaining pre-approval can take anywhere from 1 to 20+ days depending on the lender. We will check your timeframes in our initial conversations to ensure we are recommending a lender to suit your timeline.
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Pre-approval is valid for 90 days with most lenders, some lenders will allow you to extend your pre-approval for an additional 90 days by supplying updated payslips and bank statements.
Need home loan advice?
Let’s chat!
Request a call-back by completing the form below, or book a free 30-minute discovery session with us here.