Chocolate Money is able to assist with your purchase, refinance, construction or business finance requirements.  The environment is very favourable for people prescribed as 'essential workers' like health care, medicos, construction and food industries, but this environment is due to change in the near future so don't delay getting your safety nets established or accessing funds for your cash flow needs.  Contact 1300 137 539 to find out how much you can borrow.



Our Expertise


Business Finance

Our expertise extends to:

  • Business cash flow funding
  • Business & home loans combined
  • Low Doc business loans
  • Building & Construction finance
  • Development funding
  • Unsecured loans
  • Equipment finance


Home loans

Our specialised home loan team will find the best home & investment loans for your situation; including:

  • home loans for the self employed
  • low doc home loans
  • investment loans with great terms
  • non-standard home loans

First Home Loan Deposit scheme information here.


Medico - finance

Our Senior Lending team understands complex financial structures involving the distribution of income and maximising peoples' borrowing potential whilst working within their tax minimisation strategies; this is why Professionals come to us for their lending requirements. 

Our skills are tailored for:

  • Doctors, surgeons, nurses & other medical professionals
  • Pharmacists
  • Dentists 

If you are struggling and doing it tough, get help.

 When we're doing it tough, many of us suffer in silence. It's not easy to start a conversation about how we're feeling—especially if we are having thoughts of suicide—but it can be the first step to getting things right.  Watch our video to see how this played out for a construction worker who "didn't want to feel like this any more". 

 If you need to talk, call Incolink's 24/7 telephone counselling line on 1300 000 129. 

Property Services

Property Management

If your property manager is not competent or performing to your standard, contact Chocolate Money for a referral to our partners in property management; you will get the same service in property as you got in finance!

Sell your property

If it's time to sell your property and you do not know an agent you like and trust, contact Chocolate Money for a referral to our property sales partner.

Contact Harry Pontikis

If you want to discuss your property, call Harry Pontikis directly on 0411 258 058.

Organisations we have assisted over the years


Contact Us

Chocolate Money trades as Master Builders Financial Services

Your feedback on your experience with Chocolate Money is always appreciated so feel free to contact me directly on 0411 258 058.

Harry Pontikis - Director

Australian credit license - 387277

Level 4, 332 Albert St EAST MELBOURNE, VIC 3002A

03 8673 0307 or 1300 137 539


Open today

09:00 am – 05:00 pm

Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed

Finance enquiry here