Finance Brokers in Melbourne, VIC
Finance for Melbourne's diverse property and business market.
From inner city apartments to growing businesses across the suburbs, our Melbourne team takes a considered approach to every client.
Melbourne
A varied market, approached with the same clear process throughout.
Melbourne spans a wide range of property types and business needs, from heritage homes to new developments and everything in between. Our Melbourne team works with clients across each of these areas, focusing on a clear and considered process.
Whatever your situation, we take the time to understand it before recommending a path forward.
A varied market needs a flexible approach. We bring the same clear process to every client, wherever they are.
Visit us
Our Melbourne office.
- Address
- 44 Brunswick St
Fitzroy VIC 3065 - Phone
- 0475 024 328
- 01Former commercial bankers
- 02Access to 100+ lenders
- 03A director on every file
- 04A reply within one business day
Suburbs we work across
Fitzroy, Carlton, Richmond, Brunswick, South Yarra, St Kilda, Hawthorn, Northcote, Footscray, Docklands, Preston, Yarraville, Toorak, Brighton, Kew, Camberwell, Armadale, Malvern, Albert Park, Canterbury, and the wider Melbourne region.
Local knowledge
What we see in the Melbourne market.
A market of many sub-markets
Inner-north terraces, bayside family homes, new estates on the fringe and a large apartment market all behave differently, and lenders treat them differently too. Generic pre-approval often doesn't survive contact with the actual property.
Victorian duty thresholds bite early
Victoria's first home buyer exemption cuts out relatively low against inner-Melbourne prices, so duty is frequently the largest single upfront cost. Working it out before you shortlist changes what you look at.
Heritage and renovation stock
Much of the inner north and inner east is period stock. Valuation and construction lending on unrenovated properties is a recurring hurdle, and lender appetite varies considerably.
Owner-occupier upgrades
A common Melbourne pattern is upgrading while keeping the first property as an investment. Whether that works depends almost entirely on how the original loan was structured.
General observations from our own client work. Not market forecasts, property advice or a prediction of future values.
Lender access
Access to 100+ banks and specialist lenders, including:
Plus many more specialist and private lenders
Where we are
Common questions
Melbourne home loan and finance questions.
We work with Melbourne clients from our Fitzroy address and by phone and video, with a director handling the file directly.
Victoria uses its own duty scale, including a flat-rate band between $960,000 and $2 million, plus first home buyer exemptions and concessions with Victorian thresholds. Our calculator applies the Victorian rules.
Yes, though they need care. Valuation at completion, lender exposure limits in a given building and the gap between contract and settlement are the three issues that catch buyers out.
Sometimes, but it depends on your loan structure, equity position and serviceability. This is a lending structure question, and it's much easier to answer before you've committed to the upgrade.
Yes. At higher loan sizes lenders tighten the maximum LVR, look harder at income and assets and require a full valuation. We match the loan size and property to lenders with genuine appetite at that level, so the approval holds when the valuation comes back.
Not usually, but heritage overlays, renovation scope and land value can shape the valuation. We choose lenders whose valuers handle period homes well, and we raise any likely issues before you bid rather than after.
Yes. Melbourne auctions are unconditional, so finance needs to be settled before you bid. We arrange a fully assessed pre approval and, where it suits, bridging finance so you can buy first and sell after, with both scenarios costed upfront.
Regularly. Some lenders offer eligible professionals a higher LVR with Lenders Mortgage Insurance reduced or waived, and some read practice and partnership income more favourably. We confirm current eligibility with each lender before recommending one.
Our people
The people behind Finstac Melbourne.
A small senior team, by design. You deal directly with the people who built the business, from the first conversation through to settlement.
Meet our people
The process
How it works.
Tell us what you're trying to do
A quick conversation gives us the context: your goal, your timeline and where you're up to.
We assess your position
We look at your circumstances, objectives and the lending options actually available to you across the lenders we have access to.
We structure the strategy
We identify an appropriate lending approach, and explain the trade-offs in plain English before you commit.
We handle the process
From application through to settlement, we stay involved and keep you updated.
Talk to someone about Melbourne finance.
Three quick questions, then a director comes back to you within one business day. No obligation, and we'll tell you honestly if the answer is “not yet”.