Free Property Valuation
Get an indicative property value to help plan a purchase, refinance or investment.
Ask Lester →Finance That Fits
Your Next Move.
Home Loans, Refinancing and Finance Options,
Explained Clearly.
We take the time to understand your goals, compare options from a wide panel of lenders, and help you through the application process.
Home.Investment.Business.
One conversation.
A clearer way forward.
A clearer way forward.
G
70+ Google ReviewsRead what our clients say about LeMerit Finance.
Not Owned by a BankAdvice focused on your circumstances.
Support Across AustraliaLocal support across Melbourne’s eastern suburbs, with service Australia-wide.
More Choice. The Right Support.
30+ Lender Panel A wide range of banks and financial institutions.
Whatever Your Plans,
Let’s Find Your Options.
From your first home to investment, business or personal goals, we help you explore the loan options that suit your circumstances.
First Home Buyers
Step into the property market with confidence.
→Buying Your Next Home
Upgrade, upsize or find a better fit for your lifestyle.
→Refinancing
Review your current loan and explore your options.
→Property Investment
Build your property portfolio with the right finance structure.
→Business & Commercial
Finance for business growth, commercial property and more.
→Car & Asset Finance
Finance for vehicles, equipment and other business assets.
→Personal Loans
Finance for planned personal expenses, with clear repayments, fees and terms.
→Construction Loans
Plan your new build with finance that supports progress payments as construction moves ahead.
→Debt Consolidation
Explore combining eligible debts into one loan. Compare the total cost, loan term and repayments before deciding.
→Home Loan Pre-Approval
Understand your potential purchase budget before you make an offer. Pre-approval remains subject to lender conditions.
→Free Property Checks.
Clearer Borrowing Options.
Plan your next move with a property valuation, credit check and an initial borrowing capacity estimate.
Free Credit Check
Understand your credit position and the factors that may affect a loan application.
Ask Lester →Borrowing Capacity Calculation in 15 Minutes
Ask Lester for an indicative estimate once your key details are available. Actual borrowing capacity is subject to lender assessment.
Ask Lester →
Lester Li · Mortgage Broker
Good Finance Starts
with Listening.
With over a decade of experience in mortgage broking and a solid academic foundation in Applied Finance, Accounting, and Risk Management, I am dedicated to helping individuals, families, and business owners achieve their financial goals through smart lending solutions.
My expertise lies in structuring complex loan scenarios, including self-employed lending, investment finance, debt consolidation, construction lending, and strategic borrowing solutions. I work closely with my clients to understand their unique circumstances and develop tailored finance strategies that deliver real results.
I believe that exceptional customer service starts with listening. By taking the time to understand your needs and providing honest, transparent advice, I aim to make every finance journey simple, stress-free, and rewarding.
At LeMerit Finance, you can expect professional guidance, clear communication, and a trusted partner who is committed to supporting you every step of the way.
Get to Know LeMerit →Make Your Next Move
with the Numbers in Mind.
Explore repayments and upfront costs before we talk.
Home Loan Repayment Calculator
Assumes a constant balance in a 100% offset account. Your standard repayment stays the same.
Your estimated
monthly repaymentper month
monthly repaymentper month
Principal & interest
Stamp Duty Calculator
People First.
Every Step of the Way.
Review Us on Google ↗From First Chat to Settlement.
01
Let’s Talk
We learn about your goals and financial situation.
02
Compare Options
We assess suitable options across our lender panel.
03
Apply with Support
We prepare and manage your application.
04
Settle with Confidence
We stay with you through settlement and beyond.
A Loan Review Can
Bring Fresh Perspective.
Your circumstances can change. A loan review can help you explore whether your current loan still suits your needs, or if there are other options to consider.
Your Current Loan →
We’ll look at your existing loan and circumstances.
Your Next Options →
We’ll compare options across our lender panel.
A Little Knowledge.
A Lot More Clarity.
Helpful insights to support your property and finance plans.
FIRST HOME BUYERS
Buying Your First Home
Explore the details and take your next step with more clarity.
→REFINANCING
What to Know Before Refinancing
Explore the details and take your next step with more clarity.
→
GUIDES
Understanding Your Upfront Costs
Explore the details and take your next step with more clarity.
→Your Questions,
Answered Simply.
Clear answers to common questions
about home loans and finance.
How does a mortgage broker help?
We compare loan options from a panel of lenders, based on your circumstances, and help prepare and manage your application.
Does it cost to use your service?
Our service is free in most cases. We explain any fees and lender commissions before you decide to proceed.
How much deposit do I need?
Your deposit requirements depend on the lender, property and your circumstances. We can help you understand the options and associated costs.
Can you help if I’m self-employed?
Yes. We help self-employed borrowers explore loan options and explain the documents lenders may need.
What costs should I plan for?
Allow for your deposit, stamp duty where applicable, conveyancing, inspections and lender fees. We can help you plan for the costs relevant to your purchase.
Can we meet online?
Yes. We support clients across Australia and can arrange a phone or online conversation.
Local Mortgage Broker Support.
Across the Eastern Suburbs and Australia.
LeMerit Finance supports clients in Bayswater, Ringwood, Rowville, Boronia, Lilydale, Burwood, Vermont, Glen Waverley, Wantirna, Wantirna South, Croydon and surrounding areas across Melbourne’s eastern suburbs.
Whether you’re nearby, elsewhere in Victoria or across Australia, speak with Lester by phone or online about first home loans, refinancing, investment loans, construction loans and other finance options.
Call Lester 0433 594 347 →Big Plans?
Let’s Start with a Chat.
0433 594 347info@lemeritfinance.com.au1 Valma St, Bayswater VIC 3153, Australia