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Top One Finance

Top One Finance

5.0(330 reviews)See reviews ↓·Melbourne

About the company

Top One Finance is a mortgage brokerage based in Melbourne, with offices in Melbourne VIC and Box Hill VIC. The business was built around family, and its logo symbolises family values, with three points representing strength, unity and family.

The team has a wealth of experience and knowledge. Top One Finance creates tailored solutions that suit clients' personal situations and financial objectives. It aims to build long-lasting relationships with clients and work with them throughout every stage in their life.

What customers say

Based on genuine customer reviews

Melbourne clients of this brokerage repeatedly describe a process that feels straightforward and well managed, with clear explanations offered at each stage. Andy draws frequent praise for his professionalism and readiness to exceed expectations, while Ricky, Mariana, Tedjo, Saroj, Wira, Miriam and Jai are each named for guiding borrowers patiently through applications and paperwork. A detail many reviews return to is the diligence shown in weighing up multiple lenders so that a competitive rate and suitable package are found, and in setting out rates, charges and total borrowing costs in plain terms before any commitment is made.

Honest advice and dependable communication before, during and after a loan feature throughout the feedback, including prompt replies and regular updates as matters progress. First home buyers describe feeling supported instead of daunted, and long-term clients returning across many years credit the team with resolving settlement difficulties without drama. Attentive service and a sense of being genuinely looked after rather than treated as one of many are themes running through the accounts, with several customers noting that documentation was prepared thoroughly for settlement and that no question was regarded as unreasonable.

Reviews

Reviews are taken from publicly available sources.

FM
Fatima Mofidi25 June 2026

Outstanding service from start to finish! The team was incredibly helpful, professional, and genuinely committed to achieving the best outcome for us. They were always available to answer our questions, kept us updated throughout the process, and made everything easy to understand. I would highly recommend this company to anyone looking for reliable and trustworthy brokerage services. Thank you to the team for your outstanding service and support.

JA
Jefry Apriyanto24 June 2026

We had an amazing experience working with Andy and Ricky from Top One Finance. From the very beginning, they were incredibly helpful, professional, and genuinely invested in helping us achieve the best possible outcome. What stood out most was the personal level of service they provided. We never felt like just another client; they took the time to understand our situation, answer all our questions, and guide us through every step of the process. Their communication was excellent, and they were always available whenever we needed assistance. The entire experience was smooth, stress-free, and well-organized. Everything was handled efficiently, and there were no hiccups or unexpected issues along the way. Their knowledge of the lending process and attention to detail gave us confidence throughout the journey. Andy and Ricky went above and beyond to make sure we were comfortable and informed, and their dedication to customer service truly exceeded our expectations. I highly recommend Top One Finance to anyone looking for a mortgage broker. If you're after a team that is professional, knowledgeable, responsive, and genuinely cares about their clients, Andy and Ricky are the people to speak with. Thank you both for making what could have been a complicated process such a positive and seamless experience.

RS
Rocky Suwal23 June 2026

Saroj from Top One Finance was exceptional throughout our entire loan process. He was highly knowledgeable, professional, and always willing to answer our questions. His guidance made the process smooth and stress-free, and he kept us informed every step of the way. We truly appreciated his expertise, patience, and dedication to helping us achieve the best outcome. Highly recommend Saroj and the team at Top One Finance for anyone seeking reliable financial advice and support.

HR
hadi riyanto21 June 2026

I had an excellent experience working with Top One Finance, Andy and one of his team mate, Mariana. From the beginning, they were diligent, professional, and committed to helping me secure the right finance for my property purchase. Mariana guided me through every step of the loan application process, explained everything clearly, and worked hard to ensure my finance approval was completed smoothly and on time. Her attention to detail and proactive communication made the entire process stress-free. I would highly recommend them to anyone looking for a reliable and knowledgeable mortgage broker.

AS
Arshjot shergill16 June 2026

have been dealing with Andy and the team at Top One Finance since 2016, and I couldn’t be happier with their service. Andy is extremely professional, knowledgeable, and always goes above and beyond to help. Over the years, the team has consistently provided honest advice, excellent communication, and a smooth, stress-free experience. What sets them apart is their dedication to their clients and their ability to find the best solutions tailored to individual needs. Their attention to detail, reliability, and outstanding customer service have earned my trust time and time again. I highly recommend Andy and the entire Top One Finance team to anyone looking for finance professionals who genuinely care about their clients and deliver exceptional results.

AT
Alysia T20 May 2026

I can't recommend Tedjo highly enough. Buying our first home was honestly overwhelming, here's so much you don't know, and we weren't sure what we were even meant to be looking for. Tedjo guided us through every step and worked hard to get us the best interest rate possible. He was incredibly patient with us and always attentive, no matter how many questions we threw his way. When our settlement ran into some issues, he handled it calmly and professionally. He never let us feel out of the loop, any time something changed, he let us know straight away. Beyond his expertise, Tedjo is a genuinely kind and caring person. His advice was always thoughtful, and you can tell he actually cares about the people he's helping, not just the transaction. If you're after a broker who's reliable, knowledgeable and compassionate, Tedjo is the one. Thank you so much!

MJ
Mi Jia20 May 2026

As first home buyers, my partner and I really had no idea where to start and Tedjo made the whole process so much easier. He took the time to walk us through everything and helped us find the best interest rate for our situation, never once making us feel like our questions were silly. We appreciate how patient and attentive he was throughout. We hit a few hiccups with settlement, and Ted was right on top of it, he kept us informed and reached out the moment there was any update, so we were never left in the dark or stressing. On top of being knowledgeable, he was genuinely compassionate and gave us great advice along the way. We always felt like he had our best interests at heart. Highly recommend Tedjo to anyone, especially other first home buyers who feel a bit lost. Thank you for everything!

Mortgage brokers in Melbourne compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 12 businesses in this category in Melbourne are compared.

RankProviderRatingReviewsOpen Sat.
1Finspo – Mortgage Broker★ 5,0493Yes
2Loan Market Port Melbourne★ 5,0463No
3Top One Finance (this page)★ 5,0330No
4Smart Lending - Mortgage Brokers★ 5,0290No
5Home Loans Fast - Mortgage Broker Melbourne★ 5,0251No
Contact
+61383759629toponefinance.com.auLevel 3/257 Collins St, Melbourne VIC 3000
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
SaturdayClosed
SundayClosed