Services Why Us Calculators Your Broker Testimonials Blog FAQ Get Started
Australian Mortgage Specialists

Finance as smooth as your
morning coffee.

At Mocha Finance, I start by listening. Every client has a different story, different goals, and different circumstances - so I take the time to understand yours before we ever talk loans. Because this isn't just a loan. It's the foundation of what comes next.

35+ Lender Panel
8+ Years Experience
Complimentary Initial Consultation
Lightning-Fast Response Times Wait for your coffee, not your home loan.

Accredited with 35+ lenders across Australia

Commonwealth Bank ANZ Westpac NAB Macquarie ING St George Suncorp Bankwest Bank of Melbourne Bendigo Bank Pepper Money Liberty La Trobe Financial Bank First + many more

Every loan type. One trusted broker.

Whether you're stepping onto the property ladder or growing a portfolio, I'll find the option that fits your situation.

Know what you need already? Skip straight to the enquiry form

35+ Lenders on our panel - always finding you finance options tailored to your circumstances
8+ Years of experience helping Australians with their finances
1 Dedicated Broker - who knows your story, and tailors everything to your needs

Finance done differently.

I don't just find you a loan - I build a lasting relationship. Like your favourite barista with your coffee order, I remember what matters most to you.

I Think in Years, Not Transactions

A single loan might be a one-off for most brokers. For me, it's the start of an ongoing relationship - one where I'm still adding value when you're ready to invest, refinance, or help your kids buy their first home.

Lightning-Fast Response Times

I move at the speed your life requires. Same business-day response times mean you'll receive real answers... when you need them most.

Complimentary to You

For home loans, my fee is paid by the lender, not you. You get expert guidance, access to 35+ lenders, and complete application support - at no cost to you, with no catch.

35+ Lenders Compared

I compare 35+ lenders - majors, subsidiaries, regionals, and specialist lenders - to find a product that genuinely fits your needs, not just whatever's on the shelf.

Coffee with latte art being served at a café

That first-sip feeling, for your finances.

There's a moment - that first sip of your morning coffee - where everything slows down. You exhale. It just feels right. That's exactly how I want you to feel about your finances.

Mocha Finance was built on a simple belief: your home loan should be as smooth, satisfying, and stress-free as a perfectly brewed cup of coffee. I partner with some of Australia's finest cafés and community clubs because that's where real conversations happen.

Every time you pick up a coffee, I want that to be a quiet reminder - when was the last time my finances felt this good?

Café & corporate partnerships across Australia
Community sponsorships with local not-for-profit sporting clubs
A brand built on trust, clarity, and genuine client care

Meet Michael Gross

Founder & Principal Mortgage Broker

Michael founded Mocha Finance with a vision to make mortgage broking feel less like a transaction and more like a trusted friendship. With over 8 years in the industry, he's helped hundreds of Australians secure the right loan at the right time.

A proud FBAA member with a Diploma in Finance & Mortgage Broking Management, Michael combines deep lender knowledge with the kind of care that turns one-time clients into lifelong advocates.

Diploma in Finance & Mortgage Broking Management
FBAA Accredited Mortgage Broker
Accredited with 35+ Australian Lenders
8+ Years Industry Experience

Michael Gross is a credit representative (546597) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.

Book a Chat with Michael
Michael Gross - Founder & Principal Mortgage Broker, Mocha Finance
🏡
8+ Years Helping Australians with their Finances

Words from happy homeowners.

Don't take my word for it - here's what clients say about working with Mocha Finance.

5.0 ★★★★★ from 6 Google reviews
★★★★★

"Michael explained everything clearly, set the right expectations, and made sure I understood what I could and couldn't get so there were no surprises. He was incredibly patient and personal throughout the process, responsive even outside normal working hours..."

P
Prak First Home Buyer, Melbourne
View on Google ↗
★★★★★

"Michael from Mocha Finance made refinancing my home loan a genuinely easy experience. I came in with a lot of questions and he answered every one of them, then went further and explained things I hadn't even thought to ask about. The whole process was efficient and smooth from start to finish, and his customer service was outstanding. If you're looking to refinance and want someone who actually takes the time to look after you, I'd recommend Michael from Mocha Finance without hesitation."

K
Kango Services Home Loan Refinance
★★★★★

"I had a great experience working with Michael. He is professional, responsive, and genuinely cares about helping you. He made the whole process simple and stress-free, explaining everything clearly along the way. Highly recommend to anyone looking for reliable and trustworthy financial support!"

G
Gemma G Google Review

Run the numbers before we talk.

Get a feel for your repayments, borrowing power, and upfront costs - then book a complimentary chat to get exact figures for your situation.

Mortgage questions, answered.

Quick answers to what Melbourne borrowers ask us most. See all FAQs →

Is it really complimentary? How do you get paid?+
Yes - for home loans, my service is complimentary to you. Lenders pay me a commission when your loan settles, so you get expert guidance, access to 35+ lenders, and a fully managed application at no cost. I'm legally required to act in your best interests, so my recommendations are based on the right loan for your situation - not whichever lender pays the most.
How much deposit do I need to buy a home in Melbourne?+
Most lenders require a minimum 5% deposit, though some accept as little as 2% in certain circumstances. If your deposit is under 20%, you'll typically pay Lenders Mortgage Insurance (LMI). First home buyers in Victoria may also be eligible for the First Home Owner Grant and stamp duty concessions on eligible properties.
Will enquiring affect my credit score?+
No. Speaking with a mortgage broker and getting an initial assessment does not affect your credit score. A credit enquiry is only recorded when a formal application is submitted to a lender - and we research and recommend the right lender first, which helps protect your score.
Can I get a home loan if I'm self-employed?+
Yes. Self-employed borrowers have strong options, including full-doc loans (using tax returns) and low-doc alternatives. Some lenders specialise in self-employed lending and accept alternative income verification such as BAS statements or accountant declarations. We know which lenders are most flexible with different income types.
How long does the whole process take?+
From initial consultation to settlement, the process typically takes 4 to 8 weeks, depending on your situation and the lender's processing times. Simple refinances can be faster. We manage the entire process and keep you updated at every step.
How many lenders does Mocha Finance compare?+
I compare options across a panel of 35+ lenders, including major banks, smaller banks, credit unions, and specialist non-bank lenders. I'm not tied to any single lender, so my recommendations are based on what suits you best.

Let's talk over a (virtual) coffee.

Ready to take the first step? Fill in the form and I'll be in touch within one business day. Just a relaxed, honest chat - the kind you'd have over a great cup of coffee. And wherever you are in Australia, distance is never a problem.

Start your application

Takes less than 2 minutes. I'll do the rest.

Your Local Melbourne Mortgage Broker

We help home buyers, refinancers and investors across Melbourne. Find your suburb for local guidance - or see all areas we serve.

📞 Call Michael Get started