Attain Mortgages and loans

Melbourne loan and mortgage services

Mortgages and loans for first home buyers Altona

We provide financial services, mortgages, and loans to the following suburbs and more:

The areas we service

We are happy to meet face-to-face, using zoom or over the phone to discuss your individual requirements. We help our customers all over Melbourne.

Let us help with your questions

What types of home loans are available in Melbourne's western suburbs?

We offer a comprehensive range of home loans including first home buyer loans, investment property loans, construction loans, refinancing options, and low deposit loans. Our team specialises in finding competitive rates across our panel of 70+ lenders to suit your specific circumstances in Melbourne's property market.

Can you help self-employed borrowers secure finance?

We have extensive experience helping self-employed borrowers across Melbourne access finance through low-doc loans and specialised lending solutions. We understand the unique documentation requirements and can work with lenders who specialise in self-employed lending.

What are the current requirements for first home buyers in Melbourne?

First home buyers in Melbourne may be eligible for various government incentives including the First Home Owner Grant and stamp duty concessions. Requirements typically include being an Australian citizen or permanent resident, not having owned property before, and meeting minimum deposit requirements, which can be as low as 5% with some lenders.

Do you provide commercial property finance for businesses in Melbourne's west?

We specialise in commercial property finance across Melbourne's western suburbs. We can assist with loans for purchasing commercial premises, refinancing existing commercial properties, and accessing equity for business expansion. Our team understands local commercial property markets from Footscray to Point Cook.

What solutions do you offer for debt consolidation?

We provide comprehensive debt consolidation solutions that can combine multiple debts into a single loan with potentially lower interest rates. This can include credit cards, personal loans, and car loans. We'll analyse your situation to determine if debt consolidation could reduce your monthly repayments and save on interest charges.

How can you assist with business cashflow finance?

Our business finance solutions include invoice finance, business lines of credit, and cashflow funding options. We work with specialist business lenders who understand the Melbourne market and can provide flexible funding solutions to help manage seasonal fluctuations and growth opportunities.

What are the benefits of using a mortgage broker in Melbourne's western suburbs?

As local mortgage brokers, we offer access to 70+ lenders, personalised service, and deep knowledge of Melbourne's western suburbs property market. We handle all paperwork, negotiate with lenders on your behalf, and can often access better rates than going directly to banks. Our service is typically free as we're paid by the lender you choose.

How does the construction loan process work?

Construction loans in Melbourne are structured with progress payments made throughout the building process. We help arrange finance before construction begins, coordinate with builders and lenders, and ensure payments are made at each construction stage. We can also help secure land loans if you're buying land first.

What options are available for car finance in Melbourne?

We offer both personal and business car finance options with competitive rates. This includes new and used car loans, chattel mortgages for business vehicles, and novated leases. We work with specialist auto finance lenders and can often secure better rates than dealership finance.

What is a reverse mortgage and who is eligible?

A reverse mortgage allows homeowners aged 60+ to access their home equity without selling. Available across Melbourne's western suburbs, these loans don't require regular repayments while you live in the home. We can explain the protections in place and help determine if a reverse mortgage suits your circumstances.

Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information contained in this website is of a general nature and does not take in to account your personal needs and requirements.

Our latest finance articles

How to improve credit scores for equipment finance approval

Nov 23, 2024

Asset finance guide for startup business growth

Nov 18, 2024

Capital city retail and office market performance analysis

Nov 18, 2024

Charity tenanted commercial property draws investor attention

Nov 14, 2024

All our articles

Why choose Attain Loans?

Welcome to Attain Loans. I'm Chrystal, the founder, and I've dedicated my career to mortgages and loans. With over two decades of experience in finance, I've developed a passion for helping people secure their financial future. I established Attain to share my expertise and ensure you access the most competitive deals available. My goal is to make the often complex world of mortgages and loans both understandable and beneficial for you.

Chrystal Evans, founder of Attain Loans and Mortgages Altona

We're family

We are a small family owned, Altona based business that understands your needs at different stages of your life.

We listen

Identifying your goals and finding services and products that meet your needs is our number one job, and we love it!

22 years industry experience

We know the intricacies of the mortgage market and can tailor mortgage solutions for your individual needs.

We have access to the very best lenders

Over 70 of them, including the majors. We're accredited, which means we are fully trained and know all the best options available for you.

Ongoing support

Even when we've found you a great deal we undertake regular reviews to see if we can find you something even better.

We're awesome!

We have an honest, client focused business model and we aim to create long lasting relationships built on trust and respect.

Meet the Attain Loans team

Our happy customers

Financial security gives you choices. It lets you move home, learn new things, travel, or start and grow a business. When you're financially secure, you can focus on what's important. Your family, health, and personal growth.

Ian Martin

We were introduced to Chrystal and Attain Loans by a mutual colleague and we are very pleased that we were. Chrystal is an absolute finance whizz and a diamond of a lady. She is thorough, professional, patient, 'on your side', and will work her hardest to get the job done for you.We are pleased to have met Chrystal and have her setup our home loan and finances for us, and we will continue to work with Chrystal for any of our finance needs in the future.

Nichie S

Chrystal Evans, Director & Mortgage Broker at Attain was truly a lifesaver. In a stressful time where I needed assistance and some advice, Chrystal was this and more for me. Her knowledge of the banks, packages, fees etc. and advice was excellent, giving me confidence while also making everything really easy. Lastly her follow-up and communications were solid, I would highly recommend Chrystal. Also, after trying to negotiate an interest rate after coming off a fixed rate with my bank, where I was told they couldn't help me and spoke with 3 different people with wait times on the phone, I will not deal with a big bank again and only with Chrystal/Attain.

Cindy Kelly

Chrystal and Attain Loans were instrumental in assisting us to secure our dream home. Chrystal’s professionalism, knowledge and high level skills secured us the best loan for our needs. Chrystal is very thorough and assisted us through the whole process, from finding the best loan to ensuring everything was in line and ready for settlement day. We will definitely utilise Chrystal’s expertise for our next property purchase and highly recommend Chrystal and Attain Loans.

Nikola M.

Chrystal is by far the best broker I’ve met. Not only she found a great rate and conditions, she advised me on how to restructure the loans to get a better return down the road.Definitely recommend her, won’t even think of going elsewhere.

Callan Applebee

The best! Highly recommend for those lookong for people that care and honesty in financial requests for mortgae and loan services.From someone who has just begun owning land and building a home, all I can say is that Chrystal and her amazing team have held customers like myself and my wife at the forefront. We are still in the process and this company and its ideals and staff are and continue to be amazing. The trust, confidence and support model they uphold is something that all other institutions should refer to. Thank you Chrystal and your team members for everything thus far. I look forward to our continued relationship and your growth. Thank you.

will miller

Chrystal and her team are amazing to deal with extremely helpful and couldn't ask for better service. Chrystal and her team have helped us secure our first home and we have now settled. Chrystal is still working with us through every stage of the project. It's great to know that I had Chrystal on hand anytime I needed direction and advice. Thanks heaps guys from will and Zoe miller

Renee Blake

Chrystal and her team @ Attain Loans are amazing.Chrystal makes the whole process so easy and understandable.She always has her clients needs at the forefront of her mind and does everything possible to help.Not only is she an AMAZING broker with integrity, she is reliable with a client first focus.If I could score her 100 I would. The only broker for me.

Suzanne McHugh

Chrystal was fantastic, she took the time to help us urgently obtain finance after not getting any help directly from the banks. She was very informative, was able to explain all the details. We would not have been able to have a successful bid without her help.

Luke Applebee

Thanks to the incredibly hard-working team at Attain (Chrystal and Pam) we were able to settle literally days before Christmas last year in our first home.At every step of the home buying journey we were well informed and felt like our interests were always the top priority. It was a stressful time for us to keep up with the paperwork and everything however Attain did a superb job at keeping us on track (and sane). If you have no idea where to begin if you're looking at purchasing a home, I highly recommend giving Attain a call.Excellent customer service and ongoing support. We have recommended Attain to family and friends, too. Absolutely impressive team. Can't thank them enough.

Jessica Winter

Chrystal, Pam and the team at Attain loan & morgage services are the best brokers in business. They literally held our hands throughout the whole process of our home loan. And we were not easy customers! They went above and beyond to help us get the best outcome in the process of attaining our first family home. Their attitude, customer service and professionalism was second to none. Couldn't recommend this company more!They literally did all the HARD work for us and made the process stress free :) Thanks Team!!Jessica Winter

Vanessa Terekia

I have had the pleasure of working with Chrystal who helped to get my home loan approval. This women went out of her way to help me above and beyond my expectations, I was so ready to give up on a few occasions but she wasn't going to let me and I could not thank her enough for all of her efforts. I am now in my own home thanks to Chrystal and her team, I would always recommend her service, its like no other :).

Americar Auto

I've been using Attain Loans for years. Each time Chrystal has helped us get the loan through, being a small business can be tricky sometimes but Chrystal never gives up and always gets a result. I would give her a higher score if I could :)

Rebecca Smith

Excellent communication throughout entire process. Second time we have obtained finance through Chrystal and would use her again.

Jessica Joy

I cannot recommend Attain Loan & Mortgage Services enough. As a first home buyer I was nervous with very limited knowledge of how the entire loan process worked. Chrystal made it absolutely seamless and took all of the stress out for me.12 months on, they assisted me with my first re-finance and again were there for me every step of the way.I couldn't be happier and wouldn't trust anyone else!Thankyou so much!

Gary Capeling

My wife and I were in a vendor finance agreement and due to some financial hardship issues brought about by the Covid pandemic not looking like we would ever be able to get ahead. The team at Attain Loans helped steer us in the right direction to be able to finally have a mortgage of our own and also clear up our debts and hopefully repair our credit issues. I would definitely recommend them to anyone looking to just refinance or that is in a similar boat to us!10 out of 10 for these guys!

Lisa L

I recently bought a new house and usually the process can be quite stressful. Luke made everything run smooth from start to finish and got me a good rate! Highly recommend

Peter Sz

Chrystal and the team from Attain Loan & Mortgage Services, 14 Harrington Square, Altona, VIC, 3018, Were a pleasure to deal with, they provided us with great service and prompt settlement, our circumstances were delicate and they worked though the steps to help us achieve the results desired, We would highly recommend Attain Loan & Mortgage Services for all your home loan needs, Thanks for all your help Peter

Skruffy Inc

If it's a no fuss, simple process you're after - then Chrystal is your go to! As a first home buyer I was totally out of my league, everything was foreign. Chrystal quickly established a rapport and from the beginning I felt secure in her expertise and genuine interest to help me realise my goals. Whenever there were things that I wasn't quite sure about, Chrystal jumped in and took the reins without hesitation. When investing in one of the biggest purchases in your lifetime, having someone you trust at the helm is everything! Chrystal is that someone. Her easy going nature coupled with the depth of knowledge, experience and professionalism is second to none! I can't recommend her highly enough. Appreciate your support solution oriented outlook Chrystal. Thank you so much!Whakamānawatia koe, ka tika!Nāku noaTrishBrisbane, QLD

Murph Gang

Chrystal Evans, we will never forget that name. Absolute blessing.

Ray Jensen

Got the job done that no one else could!!!!! Very happy customer, thanks for all your all help……

Justine Daly

Highly recommend!

More 5 Star Google reviews

Talk to us today. We're awesome!

Book a consultation