Simon and their team are professional, knowledgeable, and incredible advisors!
Update (2026): Simon and the team continue to be the best mortgage brokerage. They advocated for me and persevered with the bank to get me a lower rate!
We help people across Melbourne and Victoria get into homes, and stay on track with their finances long-term.
150+ five-star reviews from Victorian locals
At Finance for Living, we help our customers with their finance needs so they can focus on living their lives.
We believe you shouldn’t have to compromise your values in your financial decisions. As independent brokers we have access to a wide panel of lenders, including those leading the charge in ethical banking.
Who we help navigate the market
We guide first home buyers from deposit and grants to approval, simplifying finance and handling paperwork so you can focus on securing your home.
We structure lending for your next investment, first or fifth, balancing borrowing power, cash flow and long-term strategy.
We help over-55s access home equity for lifestyle or cash flow, with clear guidance on options, impacts and long-term outcomes.
We’re far from average — and neither are our customers
We are independent and our sole focus is getting the right home loan solution to suit your needs.
Your mortgage shouldn’t compromise your values. We find lending partners who align with them.
We understand the local Melbourne and Victorian property market, the different lender policies, and what works in different situations.
The journey to settlement
We get to know you and what matters most to you.
We map out your options and explain what’s possible, what’s not, and what each path looks like so you can make an informed decision.
We help you prepare your application properly to avoid delays later.
We deal with the lender and keep you updated along the way.
We stay in touch after settlement and check in regularly to make sure your loan still works for you.
Options that align with your values
We are proud members of 1% For The Planet which means that 1% of our revenue goes to verified environmental not-for-profit organisations. Finance for Living was recognised as a leading Sustainable Mortgage Broker in Australia in 2024.
If ethical finance is important to you, we can help you explore those options.
We work with a range of lenders, including customer-owned and fossil-free banks — where they’re a good fit. We’ll walk you through the pros and cons so you can decide what feels right.
The team at Finance For Living is ready to help you build the life you’ve always imagined.
It’s never too early to start the conversation and you’ll never know what is possible until we understand your goals and dreams and assess your unique circumstances.
We at Finance for Living just want to help our customers with their finance needs so they can get on with living their lives, i.e. Finance for Living!
We love helping first home buyers so they can purchase the dream home. We are passionate about getting customers a better deal on their existing residential mortgage. We also help many investors and “upgraders” purchasing their second, third or fourth home!
At Finance for Living, we have extensive lending experience and are passionate about customer service.
When it comes to home loans, most people tend to shop around for the best interest rate. On the surface that may seem like the best idea, but what most people don’t realise is that the best interest rate doesn’t necessarily mean it’s the best deal to suit your unique requirements, circumstances and goals.
Find out which banks and lenders do and don’t support fossil fuels.
Finance for Living has been recognised as a leading Sustainable Mortgage Broker in Australia.
Simon O’Kelly
Simon has been trained by Al Gore (former Vice President of the USA) and delivered many updated presentations of the 2006 “An Inconvenient Truth” documentary to different groups in the community. We receive many requests from clients to use lenders which do not fund fossil fuels.
Simon has over 25 years experience in customer service and commercial roles, largely in the travel industry. In 2013, Simon set-up his own business as a mortgage broker so he could help customers finance their dream home or refinance their existing loans. Our team has grown to meet the demand; a key to our business is treating customers as customers for life and being there to help their family and friends as well.
Simon is passionate to find one of the most appropriate lenders for each customer especially when a customer has been told they cannot get a loan.
Ainslie has over 20 years’ experience in customer facing roles, with the past 10 years in the retail lending and banking industry. Her passion is customer service and educating clients on lending options while finding solutions for their needs. She enjoys working with numbers and has an accounting background which enhances her understanding of our small business clients and self-employed clients.
Ainslie will take you through the initial stages of the application process, by understanding your needs, your goals, and your current financial position. Then, the team will come together to find the right solution for you.
