Spiro Kolokithas
Managing Director · What If We Finance
★ First home buyers
Buying your first home is exciting. It can also feel overwhelming.
Mortgage your house, not your life.
You don't need to understand bank policy, government schemes or borrowing calculators. That's my job. I'll explain everything in plain English so you know what you can comfortably afford and what makes sense before you start making offers.
You'll speak with me from the start, and I'll stay involved all the way through. You don't need to have everything worked out before you call — just tell me what you're hoping to do.
5.0 ★★★★★ · 311+ Google reviews
MFAA Customer Service Winner 2024, Finalist 2025 & 2026 (VIC)
50+ lenders compared
Free, no obligation
Not sure where to begin? Let’s work it out together.
Tell me a little about your income, savings and what you're hoping to buy. I'll give you a realistic starting point, explain what may be possible and tell you what I would do next in your position. It isn't a formal approval and it won't affect your credit score.
✓ A realistic borrowing range for your situation
✓ The grants & schemes worth claiming, in dollars
✓ Your fastest realistic path to a deposit
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Ready to talk now? Talk to Spiro →
General information only. Any estimate we provide is based on the details you share and isn't a quote, credit assessment, or approval — your actual borrowing capacity depends on a full review of your circumstances and individual lender policy. Mortgage your house, not your life.
What you'll get
One conversation can make the whole process feel a lot clearer.
You don't need a folder of documents or all the answers. Tell me where you are now, what you're worried about and what you're hoping to achieve. I'll cut through the noise and explain the next steps clearly.
A realistic borrowing range, worked out from your income, savings and debts
A realistic borrowing range, worked out from your income, savings and debts
A realistic borrowing range, worked out from your income, savings and debts
A realistic borrowing range, worked out from your income, savings and debts
The clearest next step from where you are right now
Who you'll actually talk to
You deserve someone who will actually listen.
Spiro Kolokithas
Managing Director, What If We Finance
I know buying your first home can feel overwhelming. Everyone has an opinion, the bank tells you one thing and the internet tells you something else. My job is to cut through all of that, listen to what matters to you and explain your options honestly in plain English.
You'll deal directly with me from our first conversation through to settlement, with my team supporting everything behind the scenes. I won't disappear once the application is lodged, and I won't pass you from person to person.
MFAA Customer Service Winner, VIC 2024
VIC Finalist 2025 & 2026
MFPA Designation
27+ years experience
This is
Prefer to watch first?
The three “oh sh*t” moments every first home buyer should know.
Most first home buyers worry about whether the bank will say yes. The bigger surprises are often the things no one explains beforehand — what your deposit really needs to cover, how repayments can change and whether the property itself will suit the lender. I explain those three things in this short video.
What most first home buyers get wrong
The bank may tell you what you can borrow. I’ll help you work out what you should borrow.
I've met plenty of people who could borrow more than they were actually comfortable repaying. Just because the bank says yes doesn't always mean it is the right decision. I'd rather help you buy a home you can enjoy living in than stretch every dollar simply because you qualify.
What you can borrow
.
The highest amount a lender may approve under its policy.
What you should borrow
.
.
The amount that leaves room for repayments, rising costs and the rest of your life.
Getting the loan approved matters. Making sure you can still enjoy your life after settlement matters just as much. Mortgage your house, not your life.
The track record
99.8%
of the home loan applications we've formally submitted over 20 years have been approved.* We do the work before applying — checking the numbers, understanding lender policy and identifying issues early.
311+
Five-star Google reviews
50+
Lenders compared
7 days
Open 8:30am–9:30pm
27 yrs
Banking & finance
*Approval rate based on home loan applications formally submitted to a lender by What If We Finance over the past 20 years, excluding applications withdrawn or cancelled before a lender decision. Full basis available on request.
Recognised by the industry
Recognised for putting customers first.
At the end of the day, awards aren't what matter most. Helping someone feel calm, informed and confident about buying their home does. I was proud to win the MFAA Victorian Customer Service Award in 2024 and to be named a finalist again in 2025 and 2026. Only five Victorian brokers are shortlisted in this category each year from an industry of around 5,000 brokers. That recognition means a lot because it reflects how I look after people — answering the phone, explaining things clearly and remembering there is a real person and a real home behind every application.
5.0 ★★★★★
311+ Google reviews
The best part of my job is seeing someone realise they can do this.
★★★★★
I highly recommend Spiro, particularly if you're a first home buyer. He made a confusing, stressful process as simple as possible, and he and Jaan always took the time to explain things.
Chelsea Condie
First home buyer
★★★★★
If you want a broker who actually puts your interests first, go see Spiro. He mapped out different borrowing scenarios so I had total clarity on my budget, and found a policy that waived LMI for my situation and saved me a big upfront cost.
Mustafa Hussaini
First home buyer
★★★★★
Spiro and Jaan were amazing throughout our first home purchase. They kept us updated and explained everything clearly. Highly recommend, especially for first home buyers.
Ronalie Pangyarihan
First home buyer
What happens after you book
You don’t have to figure it all out on your own.
1
Tell us where you are now
Tell me about your income, savings, commitments and the kind of home you're hoping to buy. You don't need to know all the answers.
2
We work through the options
I work through the lender rules, repayments, grants and any potential roadblocks, then explain the options that genuinely suit you.
3
Move forward with confidence
You'll know what you can comfortably buy, what needs to happen next and whether now is the right time to move. If it isn't, I'll tell you that too.
Or call Spiro on 03 8804 1354
Before you book
It’s completely normal to have questions.
Will this affect my credit score?
In most cases there's no fee to you. I'm paid a commission by the lender if your loan settles. If a fee ever applies to your particular situation, I'll tell you up front before you commit to anything.
Will this affect my credit score?
A first chat won't. I'll only arrange a credit enquiry with your permission, and a formal application will only be lodged once you've decided to go ahead.
What do I need for the call?
Nothing prepared. A rough idea of your income, savings and any current debts will help me give you a more useful starting point, but it's not essential.
I'm self-employed, casual, or have a small deposit. Can you still help?
Yes. I regularly help people who are self-employed, casually employed or working with a smaller deposit. These are often the situations where choosing the right lender makes the biggest difference.
Before you book
You don't need to have everything worked out before you call.
If you're feeling unsure, that's completely normal. Bring your questions, your rough numbers or simply an idea of the home you would love to buy. I'll explain where you stand, what may be possible and what I believe your next step should be. If you're ready to move forward, great. If you're not, that's completely fine too.
Rather just talk now? Call 03 8804 1354