Business Details
9 Years
experience
Your Trusted Mortgage Brokers in Melbourne
Icon Home Loans was founded in 2017 by Janice Smythe, a seasoned mortgage broker with over 25 years of experience in property finance. Our team of qualified professionals, including Craig Clement, Kwan Yuen, and Olivia Graham, brings diverse expertise from fields like finance, journalism, and technology to deliver personalized mortgage solutions. We specialize in first home loans, investment loans, security guarantor loans, and construction loans, with a focus on jargon-free communication and long-term financial planning.Our approach combines active listening with strategic advice to safeguard clients' financial futures while maintaining transparency and trust. Backed by positive client testimonials highlighting our professionalism and competitive rates, we serve both local and international property investors across Melbourne and Australia.
Services
First Home Loans
Investment Loans
Security Guarantor Loans
Construction Loans
Other Loans
Details
- Year established: 2017
Highlights and features
- We provide jargon-free mortgage advice tailored to life stages and financial goals
- Our team includes brokers with 25+ years of combined property finance experience
- We prioritize long-term financial planning over short-term rate promotions
- We offer specialized guidance for international property investors in Australia
- We combine active listening with strategic mortgage solutions for client security
What people say
Great to deal with
No stress
Very professional
Highly recommended
Incredible assistance
Services
First Home Loans
Specialized mortgage solutions for first-time home buyers, including deposit planning and first home owner grant access. We explain loan options, highlight long-term financial considerations, and provide street-smart advice to navigate the home buying process. Our service helps clients make informed decisions beyond introductory rates to ensure lasting financial benefits.
Investment Loans
Tailored financing for property investors, covering tax implications, rental returns, and portfolio development. We offer expert guidance on loan structures, affordability assessments, and risk management strategies. Our service helps investors navigate changing lending criteria while maximizing returns on residential and commercial property investments.
Security Guarantor Loans
Mortgage solutions using family guarantees to reduce lenders mortgage insurance and increase borrowing capacity. We guide clients through the legal and financial implications while protecting family relationships. Our service includes paperwork preparation and objective advice to ensure secure, mutually beneficial guarantor arrangements.
Construction Loans
Specialized loans for home construction with staged fund releases matching build progress. We explain interest payment structures, higher deposit requirements, and documentation needs. Our service helps clients manage construction financing complexities while ensuring funds availability at each building stage.
Other Loans
Comprehensive mortgage options including bridging loans, variable rate loans, and intra-family mortgages. We assess individual circumstances to recommend suitable products from standard to niche loan categories. Our service covers loan comparisons, risk assessments, and tailored solutions for unique financing needs.
People
Janice Smythe
Director, Senior Mortgage Broker
With 25+ years in property finance, Janice founded Icon Home Loans to provide jargon-free mortgage advice. She specializes in long-term financial planning and has helped clients through all life stages of property ownership.
Craig Clement
Senior Mortgage Broker
Former chef turned mortgage broker, Craig understands home buying challenges through personal experience. He combines practical insights with professional expertise to guide clients through emotional and financial aspects of property purchases.
Kwan Yuen
Mortgage Broker
Kwan holds a Masters in Finance and Commerce from RMIT. He applies technical knowledge to mortgage broking while balancing family life with his wife, baby, and dog Bobo.
Olivia Graham
Mortgage Broker
With a background in journalism and business, Olivia excels at simplifying complex financial information. She combines marketing expertise with mortgage broking to provide clear, client-focused advice.
Questions
What loan types does Icon Home Loans specialize in?
We specialize in first home loans, investment loans, security guarantor loans, construction loans, and various specialty mortgage products.
How does Icon assist first-time home buyers?
We provide deposit planning advice, first home owner grant guidance, and long-term mortgage strategy to help first-time buyers make informed decisions.
Can international buyers use Icon's services?
Yes, we help overseas buyers navigate Australian property purchase requirements and financing options.
What makes Icon's approach different?
We combine 25+ years of experience with jargon-free communication, active listening, and long-term financial planning tailored to client life stages.
How do construction loans work?
Our construction loans release funds in stages matching build progress, with interest paid only on amounts drawn down at each stage.
