Your mortgage broker in Chadstone.
Independent home loan, refinancing and investment lending advice for Chadstone buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know this market intimately.
Everstone Finance is an independent mortgage broker in Chadstone, Melbourne. Founded by former major-bank lenders, we help local buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Chadstone is its own kind of market, and it pays to have a broker who gets that
Most people know Chadstone for the shopping centre, but for buyers it is a steady middle ring family market where the numbers are more attainable than the inner east. A house here runs to a median around $1.34 million (a quartile range of roughly $1.15M to $1.51M), so a 20 percent deposit sits near $267,000. Units and townhouses are the entry point, with a median around $853,000, which is where a lot of first purchases in the 3148 postcode start.
Sitting about 14km south east of the CBD, Chadstone is mostly couples with children and professionals, and around 58 percent own rather than rent. The pull is practical: the retail and employment hub at Chadstone, good schools, and easy access to Holmesglen, Monash and the Monash Freeway. A lot of buyers here have been priced out of Malvern East or Glen Iris and are trading a postcode for more house.
The gap between a house and a unit is around $480,000, so the lending question is usually about borrowing capacity and how to bridge that gap. First home buyers often start with a townhouse and the relevant grants or guarantor support, upgraders juggle buying before selling, and investors are drawn by the steady tenant demand around the centre. Each of those paths suits a different lender, and getting that match right is what protects both your rate and your approval.
That is the conversation the Everstone team has with you, in plain English, with no pressure. We are an independent broker, we compare 40+ lenders, and we hold a 5.0 Google rating while operating under the Best Interests Duty as Australian Credit Representative 574314.
Chadstone property market snapshot (May 2026)
A direct read on where the Chadstone market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
The entry point for most buyers
How Chadstone values have moved
Median sale prices over the last five years for houses and units, plus the indicative gross rental yield on units, so you can see the direction of the market, not just today’s number.
What the five-year trend shows: over the past five years the Chadstone house median has edged higher (roughly +9%) and the unit median has edged higher (roughly +7%). Indicative gross rental yields on units have improved over the same period, ending around 5.3%. These trajectories are read from the Cotality charts and rounded to each chart’s axis grid, shown to illustrate direction rather than exact monthly figures.
In short: as at May 2026, buying a house in Chadstone typically means around ~$1.34M, while a unit or townhouse typically means around ~$853K. With about 58% of residents owning and a clear gap between houses and units, the right loan structure and lender, especially for first buyers and upgraders, matters as much as the rate here.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Chadstone VIC 3148, as at 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 Chadstone 3148.
First apartment buyers
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With units the realistic entry point here, we map your true borrowing capacity, deposit options and any schemes you're eligible for, so you can move confidently in a fast market.
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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Chadstone's strong rental demand makes it a genuine investor market. We structure lending across principal-and-interest and interest-only with rental income and future portfolio moves factored in.
Commercial property
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Buying a shop, office or consulting suite around Chapel Street or Toorak Road, 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 from an apartment to a house here is a big jump in price bracket. 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 tick-box.
Book a free Chadstone mortgage consultation
15 or 30 minutes · phone, Zoom or in-person in Chadstone · calendar invite sent immediately
Chadstone mortgage broker FAQs
Who is the best mortgage broker in Chadstone?+
Everstone Finance is an independent mortgage broker that works with Chadstone buyers, refinancers and investors, 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 Chadstone to work with Everstone Finance?+
No. We're based in South Yarra and meet Chadstone clients in person, but we work with borrowers right across Australia by phone and Zoom. Lending isn't tied to your postcode.
What does property cost in Chadstone right now?+
As at May 2026, Cotality (CoreLogic) data puts the Chadstone house median sale price at around $1.34 million (quartiles roughly $1.15M to $1.51M) and the unit and townhouse median at around $853,000. We can assess realistic borrowing capacity for either.
I'm a first home buyer in Chadstone, where do I start?+
Most first purchases in Chadstone are townhouses or units near the entry-level $560,000 to $850,000 range. We map out your borrowing capacity, whether a guarantor or the available first home buyer support helps, and which lenders treat smaller or off-the-plan dwellings favourably, so you go in with a clear and realistic budget.
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.
Can Everstone Finance help investors buying in Chadstone?+
Yes. Chadstone draws steady tenant demand from the retail and employment hub and the Holmesglen and Monash catchments, with indicative gross unit yields around 3.6% as at May 2026. We structure investment lending across principal-and-interest and interest-only and factor in rental income and your wider plans.
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.
35 Malcolm St, Chadstone VIC 3148
0407 834 757 · ahmed@everstonefinance.com.au