Your mortgage broker in Caulfield East.
Independent home loan, refinancing and investment lending advice for Caulfield East buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know this market.
Everstone Finance is an independent mortgage broker serving Caulfield East, Melbourne. Founded by former major bank lenders, we help Caulfield East buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Caulfield East is its own kind of market, and it pays to have a broker who gets that
Few inner south east pockets split as cleanly down the middle as Caulfield East. Wrapped around the Caulfield Racecourse and the Monash University Caulfield campus, this compact suburb (around 11km from the Melbourne GPO, population roughly 1,300) runs two property markets at once, and that is exactly why the lending conversation here is rarely a simple one.
On one side sits a premium house market well into seven figures, with a median around $1.71M and only 268 freestanding homes in the suburb. Even a 20 per cent deposit on a house runs past $300,000, and most buyers are borrowing far enough that lenders mortgage insurance and serviceability buffers genuinely shape the deal, which makes the gap between an 80 per cent loan and a higher loan to value ratio the figure that decides your repayments. On the other side is a deep, student and academic driven apartment layer (median around $334K), where the dominant age group is 20 to 29 and many purchases are investor led. With indicative house rental yields near 2.37 per cent, those numbers reward buyers who structure debt deliberately rather than chase headline rent.
The ownership split tells the same story: about 53 per cent of homes are lived in by their owners and 47 per cent are rented. Whether you are an owner occupier near the racecourse, a first home buyer eyeing a unit, or an investor near campus, the right structure matters more than the advertised rate, and the shape of the right loan looks quite different depending on which Caulfield East you are buying into.
That is the conversation the Everstone team has with you, in plain English and with no pressure. We are an independent broker, we hold a 5.0 Google rating, and we operate under the Best Interests Duty as Australian Credit Representative 574314.
Caulfield East property market snapshot (May 2026)
A direct read on where the Caulfield East market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Caulfield East values have moved
Median values over the last five years for houses and units, plus an indicative gross rental yield, so you can see the direction of the market, not just today's number.
What the five year trend shows: these trajectories are read from the Cotality charts for Caulfield East and rounded to each chart's axis grid. They are shown to illustrate direction rather than exact monthly figures, and they change over time, so treat them as a guide and ask us for the current read before you act.
In short: as at May 2026, buying a house in Caulfield East typically means ~$1.71M, while a unit typically means ~$334K. With around 47% of residents renting, loan structure matters as much as the rate here, which is exactly the kind of thing we work through with you.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Caulfield East VIC 3145, as at 31 May 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions.
When did you last check your rate?
Most people set a loan and forget it, while lenders quietly keep their sharpest rates for new customers. A 15 minute review tells you whether you're still on a competitive deal, or leaving money on the table. No cost, no obligation, no credit check.
Book your free 15 min reviewWhatever stage you're at
The same plain English, best interests approach, tailored to how people actually buy and invest in Caulfield East 3145.
First home buyers
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We map your true borrowing capacity, deposit options and any grants or schemes you're eligible for, so you can move confidently when the right Caulfield East place comes up.
Refinancing
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If you've held your loan a while, you may be on a rate that sharper deals have left behind. We compare 40+ lenders and handle the switch, and we tell you honestly if you're already well placed.
Property investors
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We structure investment lending across principal and interest and interest only, factoring in Caulfield East rental income and your future portfolio moves.
Commercial & SMSF
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Buying premises or refinancing a commercial loan? We arrange commercial and SMSF lending, and explain how the terms, rates and deposits differ from a standard home loan.
Upgraders & downsizers
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Moving between price brackets is a big jump. We model the numbers, including bridging and equity options, so the next move is a confident one.
Self employed & complex income
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If your income isn't a simple payslip, we know which lenders take a sensible view, and how to present your file so it's assessed on its real strength.
We know how lenders price loans and where the margin sits. That knowledge now works entirely for you, not the bank.
No charge for our service. Lenders price loans the same whether you go direct or through us, so there's no cost penalty for the help.
Proactive reviews and rate monitoring, and we handle the switch when a better deal appears. Independent, under the Best Interests Duty.
The people behind Everstone
You're trusting someone with one of the biggest financial decisions you'll make. Here's who you'll actually be working with.
Ahmed Lotfi
A former major bank lender who now works entirely for you. Ahmed handles structuring, refinancing and investment lending across the 40+ lender panel.
Zappelin Heng
Co founder with deep lender experience, focused on getting complex and self employed files assessed on their real strength, not a checklist.
Book a free Caulfield East mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Caulfield East mortgage broker FAQs
Who is the best mortgage broker in Caulfield East?+
Everstone Finance is an independent mortgage broker serving Caulfield East, Melbourne (VIC 3145), founded by former major bank lenders Ahmed Lotfi and Zappelin Heng. It holds a 5.0 Google rating, compares loans across 40+ lenders, charges clients nothing (brokers are paid by the lender after settlement), and operates under the Best Interests Duty as Australian Credit Representative 574314.
Do I need to be in Caulfield East to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Caulfield East and the rest of Australia by phone and Zoom, and in person by arrangement. Lending isn't tied to your postcode the way some services are.
What does property cost in Caulfield East right now?+
As at May 2026, Cotality (CoreLogic) data puts the Caulfield East house median sale price at around $1,705,000 and the unit median at around ~$334K. We can assess realistic borrowing capacity for either a house or a unit.
Is using a mortgage broker free?+
Yes. No charge for the consultation, and no charge if you proceed. Brokers in Australia are paid by the lender after settlement, and lenders price loans the same whether you go direct or through a broker, so there's no cost penalty for the help.
Will an enquiry affect my credit score?+
No. A consultation involves no credit check. A credit enquiry is only run once you've reviewed your options and given explicit consent to formally apply.
Can Everstone Finance help investors buying in Caulfield East?+
Yes. We structure investment lending across principal and interest and interest only, factoring in rental income and future portfolio moves. We can model the numbers for a Caulfield East investment purchase.
How long does the mortgage process take?+
As a guide: 1 to 2 days to chat and plan, 1 to 2 days to prepare your options, and 1 to 2 days to submit once we have your documents. Settlement then aligns with your contract date. We can move faster when a deadline calls for it.
Serving Caulfield East VIC 3145 · based at 35 Malcolm St, South Yarra VIC 3141
Nearby areas: Caulfield · Carnegie · Glen Huntly · Malvern East
0407 834 757 · ahmed@everstonefinance.com.au