Jose Poly
Director & Mortgage Broker
- First home buyers
- Refinancing
- Investment lending
Making first homes happen
The right loan, found for you — not sold to you
Influx Financial is a Melbourne mortgage broking and accounting team. We compare loans across a wide panel of lenders for first home buyers, refinancers, investors and business owners — and manage everything through to settlement.
Prefer to talk now? Call 03 7047 9370
- No cost to you for most home loans
- Broking + accounting, one team
- Melbourne based
70+
lenders on our panel
1,500+
clients supported
2-in-1
mortgage broking + accounting under one roof
Figures based on Influx Financial client and lender-panel records.
What we do
Lending and accounting, matched to the moment you're in
From a first deposit to a business premises — each service has its own specialists, process and detailed guide.
Home Loans
Melbourne mortgage brokers comparing home loans from a wide lender panel.
Learn moreFirst Home Buyers
First home buyer specialists in Melbourne.
Learn moreRefinancing
Is your home loan still competitive? Influx Financial compares refinance options across a wide lender panel and shows the real savings after costs.
Learn moreInvestment Loans
Finance for property investors — loan structuring, equity access and lender comparison, with tax considerations handled alongside.
Learn moreConstruction Loans
Finance for new builds, knockdown-rebuilds and major renovations.
Learn moreCommercial Loans
Commercial property purchases, owner-occupied premises and business lending compared across banks and specialist lenders.
Learn moreMaking first homes happen
First home? We've made this trip before.
Deposits, schemes, pre-approval, auctions — the first purchase is the one with the most jargon and the highest stakes. We turn it into a step-by-step plan built on your real numbers, and stay beside you until the keys are in your hand.
- A realistic budget and deposit target before you start inspecting
- Government scheme eligibility checked against current criteria
- Pre-approval organised so you can bid and offer with confidence
The journey
- 1 Free consultation & budget
- 2 Savings and deposit plan
- 3 Pre-approval with a matched lender
- 4 House hunting & contract checks
- 5 Formal approval & settlement
How it works
A clear process from first call to keys
No mystery, no chasing. Here's exactly what working with Influx looks like.
- 1
Discovery call
A free, no-obligation chat about your goals, timing and questions.
- 2
Financial assessment
We review your income, commitments and deposit to map your real borrowing position.
- 3
Compare your options
A clear shortlist from our lender panel, with the trade-offs explained in plain English.
- 4
Application support
We prepare, lodge and manage your application — and chase the lender so you don’t have to.
- 5
Approval & ongoing support
Through settlement and beyond, with regular reviews to keep your loan competitive.
Why Influx
Built to be the last broker you need to find
Personalised guidance
Advice built on your numbers and plans — not a script. You deal with a director, not a call centre.
Broad lender access
A wide panel of banks and specialist lenders means your situation is matched to policy, not forced into one bank’s box.
Clear communication
You’ll always know where your application is up to and what happens next — in plain English.
Lending + accounting together
With OneHQ Accounting in the same team, your loan structure and tax position are planned side by side.
Best interests, by law and by habit
Mortgage brokers owe consumers a best interests duty. We built the business around taking it seriously.
Support that outlasts settlement
Regular loan reviews and a team that answers the phone next year, not just this month.
Your team
Two directors, one conversation
Lending on one side, accounting on the other — and you get both.
Joe Anto
Director — Influx Financial & OneHQ Accounting
- Tax planning & accounting
- Self-employed lending support
- Business finances
Client stories
Real outcomes, told properly
We're preparing de-identified client stories — the challenge, the approach and the verified outcome — with each client's consent. No manufactured success stories, ever.
Client feedback
What clients say about working with us
Verified client reviews are on their way.
We only publish genuine, approved feedback from real clients. In the meantime, you can see what clients say on our Facebook page .
Questions
The things people ask first
Straight answers about brokers, costs and the process.
What does a mortgage broker actually do?
A mortgage broker compares loan options from a panel of lenders on your behalf, recommends options suited to your situation, prepares and lodges your application, and manages the process through to settlement. Brokers must comply with a best interests duty when providing credit assistance to consumers, which means acting in your best interests when recommending a loan.
How much does it cost to use Influx Financial?
For most residential home loans, our broking service is provided at no direct cost to you — we are paid a commission by the lender you choose once your loan settles. Any commissions and how we are paid are disclosed in our Credit Guide and before you apply. Some complex or commercial scenarios may involve a fee, which we always agree with you in writing first.
Is a broker better than going straight to my bank?
Your bank can only offer its own products. A broker compares options from many lenders, which matters because lenders assess income, deposits and property types differently — the lender that suits your neighbour may decline your application, and vice versa. We also handle the paperwork and follow-ups so you deal with one point of contact.
Do you only help clients in Melbourne?
We are based in Melbourne and most of our clients are in Victoria, but we work with clients across Australia through phone and video appointments. Loan applications are handled electronically end to end.
Resources
Guides worth your reading time
Written by the team, reviewed for accuracy, free of fluff.
Loan basics
The home loan documents checklist (and how to avoid the paperwork loop)
Exactly what lenders ask for — ID, income, savings and liabilities — for employees and the self-employed, plus the mistakes that stall applications.
Read article → First home buyers
How much deposit do you really need to buy a home?
The 20% rule is a guideline, not a law. Here are the real deposit paths Australian buyers use — LMI, guarantors and government schemes — and their trade-offs.
Read article → Loan basics
Fixed vs variable home loans: how to actually choose
Fixed, variable or split? The right answer depends on your plans, not on predicting interest rates. A plain-English guide to the trade-offs.
Read article →Talk to us before you talk to a lender
A free 30-minute consultation — tax and mortgage questions welcome. No obligation, no pressure, and you leave with a clear next step.
Or send an enquiry and we'll call you back.