Your mortgage broker in Eltham.
Independent home loan, refinancing and investment lending advice for Eltham buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know Melbourne's property market intimately.
Everstone Finance is an independent mortgage broker serving Eltham, 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.
Eltham is its own kind of market, and it pays to have a broker who knows it
Sitting about 20km from the Melbourne CBD in the City of Nillumbik / Banyule, in Melbourne's leafy north-east, Eltham is a suburb where the predominant age group is 50 to 59 and most households are couples with children. As at the most recent census, close to 86% of homes are owner-occupied.
Eltham is one of Melbourne's established green-belt suburbs, known for its bushland setting, large blocks and strong owner-occupier community — close to 86% of homes are owner-occupied. Housing ranges from period and mud-brick homes to larger family properties on generous land. The house median sits around $1,273,000 as at May 2026, so getting your borrowing capacity and loan structure right matters as much as the headline rate.
Whether you're buying your first home, refinancing a loan you've held for years, or building an investment portfolio across Eltham North, Research, Montmorency, Briar Hill and Lower Plenty, the right structure is what saves you money over the life of the loan. That's the conversation the Everstone team has with you, in plain English, with no pressure. We hold a 5.0 Google rating and operate under the Best Interests Duty as Australian Credit Representative 574314.
Eltham property market snapshot (May 2026)
A direct read on where the Eltham market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
The entry point for many buyers
How Eltham values have moved
Median sale prices over the last five years, plus the indicative gross rental yield, 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 Eltham house median has moved higher (roughly +15%) and the unit median has moved higher (roughly +8%). Indicative gross rental yields have moved higher over the same period, ending around 3.0%. 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 Eltham typically means around $1,273,000. With around 14% of residents renting and indicative yields near 3.0%, loan structure matters as much as the rate here.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Eltham VIC 3095, 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 Eltham 3095.
First home buyers
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We map your true borrowing capacity, deposit options and any first-home schemes you're eligible for, so you can move confidently in Eltham.
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 with rental income and future portfolio moves factored in, tuned to the Eltham market.
Commercial property
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Buying a shop, office or consulting suite, 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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Changing homes is a big move. We model the numbers, including bridging and equity options, so the next step 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 Eltham mortgage consultation
15 or 30 minutes · phone, Zoom or in-person · calendar invite sent immediately
Eltham mortgage broker FAQs
Who is a good mortgage broker in Eltham?+
Everstone Finance is an independent mortgage broker based in South Yarra, Melbourne, serving Eltham (Eltham, VIC 3095), 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 Eltham to work with Everstone Finance?+
No. We're based in South Yarra and serve Eltham clients in person and right across Australia by phone and Zoom. Lending isn't tied to your postcode the way some services are.
What does property cost in Eltham right now?+
As at May 2026, Cotality (CoreLogic) data puts the Eltham house median sale price at around $1,273,000 and the unit median at around $826,000. Eltham is predominantly a house market. Everstone Finance can assess realistic borrowing capacity for either.
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 Eltham?+
Yes. Eltham has steady rental demand, with indicative gross rental yields around 3.0% as at May 2026. Everstone structures investment lending across principal-and-interest and interest-only, factoring in rental income and future portfolio moves.
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.
Based at 35 Malcolm St, South Yarra VIC 3141
0407 834 757 · ahmed@everstonefinance.com.au