Mortgage broker in Melbourne who gets how this city works.
From the inner suburbs to the outer corridors, Melbourne's property market has its own rhythms. We work with Melbourne buyers every day, and we know which lenders move fastest when you need to act.
Melbourne is one of Australia's most liveable cities, and one of its most active property markets. Whether you're buying in the inner city, a bayside suburb, or the growth corridors in the north and west, the loan you need depends heavily on where you're buying and what your situation looks like.
We work with Melbourne buyers across all suburbs. Here's what we focus on.
Pre-approval for Melbourne's auction market
Melbourne has one of Australia's highest auction clearance rates. If you're not pre-approved before you walk into an auction, you're taking a serious risk. We work to turn around pre-approvals quickly for Melbourne buyers.
VIC First Home Buyer benefits
First home buyers in Victoria may be eligible for: the First Home Owner Grant ($10,000 for new builds in regional VIC), stamp duty exemption on homes up to $600,000, a stamp duty concession on homes $600K–$750K, the First Home Guarantee (5% deposit, no LMI), and the Regional First Home Buyer Guarantee. We can walk through which benefits may apply to your situation.
Melbourne suburbs we work across
We work with Melbourne buyers everywhere, from Richmond and Fitzroy to Frankston, Sunbury, Pakenham, and everywhere in between. We're not a branch network, we work remotely across all of Greater Melbourne, which means you get our full attention regardless of where in the city you're buying.
Melbourne's growth corridors
Melbourne's north, west, and south-east growth corridors have seen significant development. New builds, land and construction packages, and townhouse developments are common in these areas, and they often require different loan products than established property purchases. We know how construction loans work and which lenders handle these well.
What Melbourne buyers come to us for
First home purchase in Melbourne
Pre-approval before auction
Refinancing an existing Melbourne property
Investment property loans (inner city apartments, suburban houses)
Land and construction loans (growth corridors)
Upgrading or downsizing
Melbourne apartment lending, a note
Some lenders apply restrictions to inner-city apartments under 50sqm, or to buildings with high investor concentrations. We know which lenders are flexible on Melbourne apartments and will match you with the right one before we submit anything.
Common questions from Melbourne buyers
💬 "I'm buying in Melbourne's growth corridor, which lender is best?"
It depends on whether you're buying established or land-and-house. For established homes, we compare the full panel. For construction, we shortlist lenders with strong track records on progress payment loans. We'll match you based on your situation.
💬 "I lost at auction twice already, what am I doing wrong?"
Usually it's a combination of borrowing capacity and pre-approval timing. We'll review your financial position and work to ensure your pre-approval is as strong as possible, so you can bid with confidence.
💬 "I'm self-employed, can I still get a Melbourne mortgage?"
Absolutely. Self-employed lending is one of our strengths. We work with lenders who understand self-employed income, including low-doc options where standard documentation isn't available. Two years of tax returns is the standard, but we have options if your situation is different.