Melbourne buyers face two very different markets: established homes sold at auction, and new builds in the growth corridors — and lenders treat them differently, from valuation caution on high-density apartments to construction-loan policy on house-and-land packages. Picking the right lender for your kind of purchase is half the job.
What we help Melbourne clients with
- Buying — auction-ready pre-approval, and construction lending for new builds.
- Refinancing — a free review against 40+ lenders. If your current deal is already sharp, we’ll tell you.
- First home buyers in Victoria — federal deposit schemes plus Victoria’s stamp duty concessions for first home buyers, checked against current criteria and price caps before you commit.
- Self-employed lending — Melbourne’s trades, hospitality and small-business owners are exactly who specialist lender policy exists for.
- Guarantor loans — increasingly how Melbourne families get first buyers over the line.
Buying off the plan or in a high-density building? Some lenders quietly cap lending or apply tighter valuations in certain postcodes and building types. We check your target against lender appetite before you sign anything — it’s a five-minute conversation that prevents a settlement crisis.
Fully online, genuinely managed
Phone, video and secure online signing — evenings included. One broker compares the market, recommends with reasons, lodges the application and manages it to settlement. In almost every case the service costs you nothing: the lender pays us on settlement, disclosed in writing before you commit.
Start with a free game plan call
A no-pressure phone or video chat about your Melbourne purchase or refinance. Straight answers, real numbers, no obligation.
Book your free game plan callFrequently asked questions
Do I need to meet a broker in person?
No — the entire process runs by phone, video, email and secure online signing, and that’s how most of our Melbourne clients prefer it. You get the same comparison, the same broker managing everything to settlement, without taking time off work.
Does it matter that your office isn’t in Melbourne?
Lending policy is national — the lenders, schemes and assessment rules we work with in Melbourne are the same ones every local broker uses. What varies is state grants and stamp duty, which we deal with across every state daily. Distance changes nothing about the outcome; responsiveness is what matters, and you’ll have your broker’s direct line.
What does it cost?
In almost every case, nothing. The lender pays us a commission once your loan settles, disclosed to you in writing before you commit — and we’re paid roughly the same across the major lenders, so our advice isn’t bought.
This page is general information only and does not take your personal circumstances into account. It is not financial or credit advice. Government schemes, lender policies and rates change over time and eligibility criteria apply. Speak with us for advice tailored to your situation.