Home Loans in Melbourne

Get to know Break Free Home Loans today!

Our Team


Eric Antoniou

Head Broker / Director


George Gonzales

Credit Officer


Krista Bautista

Loan Administrator

About Break Free Home Loans

Home Loans in Sydney

With over 25 years’ experience in banking, finance, credit and lending previously working for organisations such as Esanda, Liberty Financial, ME Bank & Bank Of Melbourne, Eric, the Director of Break Free Home Loans is well suited to assisting you with your financial needs. As lending specialists, Break Free Home Loans know the key to success is understanding your requirements, needs and objectives. We know how each of the various lenders work and operate thus we can search the available market to pair you up with your ideal lender and financial solution.
With access to a pool of over 40+ lenders, we are confident that we can find your ideal fit. We will complete all your checks, deal with the lender and negotiate rates and packages on your behalf. You will not have to deal with anyone except your personally assigned Break Free Home Loan specialist.

We are equipped to assist you with great technology and information gathering processes that will make the application to settlement process smoother than ever before. As if that wasn’t enough, we make life convenient for you by being fully mobile. We can meet you at home, work, or even your favourite café by appointment Monday to Saturday.

Why Choose Us As Your Broker?

Service fees and Charges – Free in most cases

Home Loans in Brisbane

Our Services in Melbourne, Sydney & Brisbane

Pre-Approvals – Free!

Our Accreditations –

  • FBAA
  • AFCA
  • PL &I Insurance
  • Head Aggregator Group:  Finsure & Insurance

Do we charge a brokerage fee?

Our Services are completely free in almost every case

Talk to us about your scenario

Australia-wide services

Are you out in the bush? Interstate? Overseas? To us, it doesn’t matter! We can deal with anyone who is buying or refinancing a property in Australia.

Our business is streamlined to enable us to efficiently deal with your application by mail, phone, fax or email.

We commonly deal with applicants from all states of Australia, in particular NSW, VIC, QLD and the ACT.

We also assist foreign nationalsAustralian expats and temporary residents to buy owner occupied or investment properties in Australia.

Home loans from 50+ lenders

Did you know that some larger mortgage broking companies are part owned by one of the banks?

We are privately owned and can arrange loans with the four major banks as well as several reputable non-bank lenders.

Why should I use a mortgage broker if I can go with a bank?

Unlike your bank, we have more than 50 different lenders to choose from with a range of different policies so you can be confident about getting your home loan approved and not damaging your credit file.

Following up on the progress of your loan can be stressful and time consuming. That’s why we deal with the banks so that you don’t have to. We have efficient systems in place to track your loan and provide you with timely updates.

Our mortgage brokers have a much higher level of training and experience than bank lenders, many of them with years of experience in the mortgage industry.


Free valuations and credit reports

We can order free up front valuations with more than six lenders. This means that we know what the bank thinks your property is worth before applying with them.

By ordering a valuation before you apply for as home loan it ensures that your credit file isn’t damaged by having too many enquiries.

We can also provide you with a free copy of your credit file so that you know where you stand with the banks.


Free Pre-Approvals

We offer completely free Pre-approvals which helps with getting prepared to buy.
Our pre-approvals are done initially in-house as we have experienced credit assessors but then we always obtain the official pre-approval from a lender of choice.

Pre-approvals are usually valid for 90 days from pre-approval.  These can also be extended another 90 days (total 180 days) by simply updating income information and living expenses and/or other liabilities.  Very quick and easy.  No need to re-apply with another loan application.

Speak to us about getting ready to buy with obtaining a full assessed Pre-Approval.

Professional Memberships:

As both a member of the Finance Brokers Association of Australia (FBAA) and Australian Financial Complaints Authority (AFCA), we are bound to uphold the highest level of standards when providing finance solutions to customers. Members must meet strict experience, education, ongoing training and insurance requirements in order for them to renew their membership each year.

Member of FBAA
* Finance Brokers Association of Australia
* M-343406

Member of Australian Financial Complaints Authority (AFCA)
* Member Number 68656

Credit Representative Number (ASIC)
* Eric Antoniou – 513050
* Company Break Free Home Loans – 513051

Head Credit License – Finsure & Insurance Credit Licence
Finsure Finance and Insurance Pty Ltd. ABN 72 068 153 926. Australian Credit Licence Number 384704

LinkedIn Profile – Professional Social Media 
* https://www.linkedin.com/in/ericantoniou1/


Why Choose Break Free Home Loans as your Lending Expert?

We have 45 accredited Lenders on our panel to choose from

Our team of Brokers have all worked in the relevant industries (Banking & Finance)

Our Brokers have previously worked as Credit Officers in some of Australia’s MAJOR banks and understand what is needed the first time

Melbourne Based we understand how the market works in Victoria

Fully Accredited with FBAA & AFCA

We appreciate your support and have a client referral program – get in touch today to learn more!


a suite of happy home

Eric was very friendly and responsive and did a perfect job refinancing our home.

— Sidhra jani.

a suite of happy home

I would like to write this review in details to give others the opportunity of using the professional service Eric Antoniou at Break Free Home Loans provides. Being a detailed and highly organised individual I had picked 3 mortgage brokers and thought I give them a call and the conversation I am going to have with them over the phone will determine which one I choose.

— Dianna agius

a suite of happy home

Eric delivered great quality service throughout lockdown, was proactive and efficient. Highly recommend Break Free Home Loans for first home buyers who are unsure as Eric explained everything at every step of the way perfectly.

— Jordan Matoe

a suite of happy home

It was a breeze dealing with Eric for my loans. He is very professional and knowledgeable. Found me right solution and have taken care of all my needs. I would highly recommend anyone looking to do their finances speak to Eric.

— NK

a suite of happy home

Eric has listened to our goals and interests with what’s currently on offer with loans and rates. He gave us options and knows what’s important to us and assisted us very well when we finally made our decision.

— Rachael Law.


Is using a mortgage broker free?

Our services won’t cost you a cent. Commonly, brokers get their fees paid by the lender after your finance has settled.

What service does a mortgage broker provide?

Brokers are here with a stockpile of knowledge and contacts. It is our job to help you from start to finish with research, paperwork, communicating with the lender and finally settlement. We handle all of the paperwork and communication for you to ensure a smooth and easy process.

Can you get a better interest rate with a mortgage broker?

Often, Brokers have relationships with various lenders. We go through a process of accreditation with each lender which builds trust and opens the door to beneficial rates and services. Get in touch today and we will see if we can negotiate on your behalf.

Contact our team

We love to hear from each and every one of you. Please feel free to reach out to us today!

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