Choosing a home loan is a big financial decision, and it’s completely normal to feel unsure about where to start. With so many lenders, rates, and loan types out there, getting the right guidance can make all the difference.
At 360FS, we’re here to help you make sense of your options and understand what’s possible. Our goal is to help you feel informed, supported, and confident about the home loan decisions you’re making today and how they shape your future.
Get advice and solutions specific to your needs and goals. Take charge of your financial situation today.
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Our mortgage brokers are here to make lending simpler and far less overwhelming. If you’re buying your first home, refinancing an existing loan, or looking at your next investment property, we walk you through the choices that genuinely align with your goals, your cash flow and the way you like to manage money.
We help you understand key lending pathways, including:
For more complex situations, such as self-employed borrowers, commercial lending or SMSF loan strategies, we provide guidance to help you structure lending that supports long-term wealth.
Throughout the process, we keep things practical and transparent by explaining how each loan works, what lenders look for, what documents you’ll need and how your choices may shape your financial position over time.
Our goal is to give you clear information, steady guidance and a loan structure that suits where you are now and where you’re headed next.
Borrowing through a Self-Managed Super Fund comes with its own set of rules, structures and responsibilities. We’re here to help you understand those requirements with confidence. Whether you’re exploring an SMSF property loan for the first time or want clearer guidance on an existing strategy, our team explains the lending process step by step so you can make decisions that support your long-term financial goals.
Are you looking to purchase a commercial property? Or upgrading equipment, or looking to strengthen your cash flow? Having the right lending structure behind you can make a meaningful difference. Our commercial lending team helps you understand your options, compare lenders and choose financing that supports both your day-to-day operations and long-term business goals.
Buying, refinancing or investing is a big step, and having the right guidance can make the experience feel far more manageable. Our mortgage brokers in Melbourne and across Australia help you understand your borrowing options, compare lenders, and choose a structure that supports your goals.
Our approach to mortgage broking is built around clarity and confidence. From the outset, we take the time to understand your goals, help you organise the information lenders need, and set realistic expectations around the process. Once your documents are prepared, we match you with the lender best suited to your financial circumstances and manage the application on your behalf. As your file moves through conditional and then full approval, we provide clear explanations, handle requests promptly, and keep you updated so you always know what’s happening. When settlement nears, we coordinate with your solicitor or conveyancer to ensure everything comes together smoothly. And even after your loan has settled, we continue to support you with regular rate reviews to help keep your loan competitive long-term.
How We Support You
A mortgage broker helps you understand your lending options and compares different banks and lenders on your behalf. We explain how each loan works, outline the pros and cons, prepare your application, and guide you through every step from pre-approval to settlement. It’s about getting support from someone who knows the process well and can make the experience much easier to go through.
No, having conversations, running comparisons or exploring your borrowing capacity won’t impact your credit score. Your score is only affected when a formal loan application is lodged with a lender, and we guide you carefully on when that step should be taken.
Banks can only offer their own products, while brokers can compare a wide range of lenders to help you find an option that suits your goals, structure and circumstances. Working with a broker gives you more choice, more clarity and support throughout the entire process, especially if your situation isn’t completely straightforward.
Yes. Being self-employed means your financial position needs to be presented clearly to lenders. We help you organise the right documents, explain how lenders assess different types of income, and explore the banks that are more flexible with self-employed borrowers.
It’s a good idea to check in on your loan every year or two, or sooner if your circumstances change. We review rates for our clients every six months and let you know if the market is offering something more competitive.
Great service and support. Mish and his team were fantastic to deal with and provided support along the whole process, even calling after hours or weekends when availability suited. I highly would recommend his financial services and loan support to friends and family.
Mish made the home-buying process significantly more manageable. He consistently demonstrated professionalism, friendliness, prompt responsiveness, and a willingness to accommodate our needs.
I highly recommend Mish for his strong commitment, knowledge and exceptional service.
We recently purchased a commercial property, and while there were a few challenges along the way, Mish and Billy were a fantastic team, working seamlessly together as my mortgage broker and financial planner. Their expertise, patience, and proactive communication made a complex process much easier, and they helped me achieve the outcome I was aiming for. I can’t recommend Mish and Billy highly enough for anyone looking for dedicated, professional support in property finance and planning.
My partner and I cannot recommend Mish and the team at 360 Financial Strategies highly enough! They were an absolute pleasure to work with from our very first conversation right up to the day we received the keys to our new home.
We knew very little about the mortgage process going in, but thankfully Mish made it feel easy. Him and the team were professional, friendly and incredibly knowledgeable, answering all of our questions and supporting us throughout the entire journey. Going above and beyond by even introducing us to Conveyancers etc.
If you’re looking for a mortgage broker who genuinely cares and will go above and beyond to help you – I cannot recommend Mish and 360 Financial Strategists highly enough! Big thank you for helping get us into our first home!
A huge shoutout to Mish, Gee, and Nicole, what an incredible team! As a first home buyer, the whole process felt really daunting and overwhelming at first, but working with Mish and the team completely changed that. They were an absolute pleasure to deal with from start to finish. They explained everything so clearly and patiently, and were always there to check in and answer the million questions I had along the way. Their communication was fantastic, and they made sure I felt supported and confident at every step. They truly went above and beyond to ensure everything went smoothly, and I couldn’t be more grateful for their help. I honestly cannot recommend them enough!
Working with Daniel Mashta was a total game changer. After dealing with mediocre mortgage brokers, Daniel’s level of service was a breath of fresh air. He was incredibly reliable and consistently over delivered at every stage of the process. His communication was flawless, we were never left wondering where things stood. Most importantly, the results were amazing and exceeded our expectations. If you want a stress free loan process, Daniel is the person to call. Thank you so much!
Mish and the team allowed me to have an incredibly positive experience throughout the purchase of my property. They were incredibly helpful all the way through and managed to meet some very tight timeframes without any issues. All of my queries and concerns were answered promptly, and they were always available, which made a tricky process so much easier. They also referred me to a conveyancer who was equally helpful and efficient. I wouldn’t hesitate to recommend them to anyone looking for reliable and responsive financial and mortgage advice.
Mish has been absolutely awesome to work with. From our very first meeting, he made us feel comfortable and confident about our financial situation. He genuinely cared about us and our goals, and it was clear from day one that he truly wanted the best outcome for us.
He took the time to explain everything clearly, put things into perspective, and helped us see what was possible. Thanks to his guidance and support, we were able to secure a loan for our first home.
Mish’s caring and down-to-earth approach made the whole process so much easier. He believed in us and that made a huge difference. He’s also been incredibly responsive and easy to communicate with, always happy to help and quick to reply to any questions.
We can’t thank him enough for all he’s done for us, and we’d highly recommend Mish to anyone looking for a financial adviser who genuinely cares and goes above and beyond.
Mish and his whole team have been fantastic! Communication is above and beyond and so knowledgeable! The dedication Mish, Cira and the whole teamed showed was absolutely fantastic! They made the process so much easier and everything was handled smoothly, promptly and professionally. We can’t recommend them enough! We were blown away by Mish’s knowledge and the communication was absolutely fantastic and above and beyond which was great as first time buyers!
Mish is extremely knowledgeable in his field.
As a first home buyer this made me feel at ease and confident that I was in the right hands.
He made sure our experience was stress free and everything was managed in a timely manner.
Communication was outstanding, the entire process was flawless!
I would highly recommended his services and would happily return as a client.
Thanks for your dedication to getting us into our first home Mish.
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