Dave Carnie is a trusted Mortgage Broker based Coburg, Victoria. Before starting Merri Loans in 2025, Dave worked a number of years for Australia's largest Mortgage Broker, at a branch in Northcote in Melbourne's inner north. With years of experience in all kinds of lending, Dave is most passionate about helping people buy homes, particularly first home buyers, young couples, and growing families.
Known for his friendly approach and straightforward advice, Dave brings a wealth of knowledge and a wide network of lenders to the table. He works with clients from all walks of life, whether they’re buying their first apartment, refinancing a townhouse, or planning to build their dream home.
Dave specialises in:
Guiding first home buyers through the entire journey
Helping clients refinance to improve their financial position
Supporting residential investors to make confident, informed choices
Advising on land purchases and construction loans
Committed to genuine relationships and long-term outcomes, Dave makes the loan process easy, transparent, and tailored to your lifestyle. Dave offers flexible appointments, online, or in person at the location of your choosing, to suit your needs.
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Shauna Roeger
We had a great experience working with Dave. He was knowledgeable, patient and excellent at communicating throughout the process. He was also very responsive and helpful, even when we were working to short timeframes. He took the time to explain everything clearly and answer all of our questions. We really appreciated his guidance and would highly recommend his services.
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Simone Mugavin
Deeply grateful to Dave of Merri Loans for guiding me through the process of purchasing my first home in Melbourne. His support and proactive approaches secured a values aligned, ethical lender with a great rate. Dave made the entire process easy to navigate and I really appreciated his personability, generosity and community spirit. Thanks for everything Dave!
JD
Jessica D
Dave was a tremendous help throughout our house purchase journey. He's very communicative, accommodating, and thorough, which gave us the much needed confidence as first home buyers. We had a tight timeframe and some specific visa circumstances, but Dave managed to sort out our loan smoothly without any issues or delay. He's always available to answer our questions and made the process so much easier. Highly recommend!
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
DC BROKING PTY LTD ABN: 49 658 955 349. Credit Representative #540534 is authorised under Australian Credit Licence #486112.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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