Your mortgage broker in Jacana.
Independent home loan, refinancing and investment lending advice for Jacana 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 Jacana, Melbourne. Founded by former major bank lenders, we help Jacana buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Jacana is its own kind of market, and it pays to have a broker who gets that
Jacana rewards a broker who treats it as its own small market rather than another dot on Melbourne's northern map. It is a planned pocket of roughly 750 homes wedged between Broadmeadows and Glenroy, about 14 to 15km north of the CBD on the Craigieburn line, with parkland over a fifth of its area and Jacana Reserve and the Broadmeadows hospital precinct nearby. Around 2,200 residents live here, the largest age group is 30 to 39, and roughly 62% of homes are owner occupied (the other 38% rented), giving the suburb a settled, family feel that shapes every lending conversation.
The numbers explain why first home buyers and young families priced out of nearby suburbs keep landing here. As at May 2026, a freestanding house sits at a median of $653,000 (lower quartile $582,250, upper quartile $724,000, across 661 houses), up about 5.5 percent over the year and still one of the more affordable entries within reach of central Melbourne. A 20 percent deposit on a typical house lands near $130,000, and a smaller deposit keeps the loan well below what the same money buys one suburb south in Glenroy. Units tell their own story, with a median around $516,000 across 238 apartments and stronger recent growth, suiting a first purchase or an investor weighing the higher rental yield they tend to carry locally.
Over five years, house values have moved roughly +12% and units about +11%, with indicative gross house rental yields up around +15%. Stock is thin and houses sell quickly, so finance readiness counts, and recent movement may have lifted your equity enough to make refinancing or stripping out lenders mortgage insurance worth a look. The structure matters more than the headline rate, whether you are buying your first place, refinancing, or building a portfolio. That is the conversation the Everstone team has with you, in plain English and with no pressure. We are an independent broker holding a 5.0 Google rating, working under the Best Interests Duty as Australian Credit Representative 574314.
Jacana property market snapshot (May 2026)
A direct read on where the Jacana market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Jacana 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 Jacana 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 Jacana typically means ~$653K, while a unit typically means ~$516K. With around 38% 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 Jacana VIC 3047, 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 Jacana 3047.
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 Jacana 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 Jacana 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 Jacana mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Jacana mortgage broker FAQs
Who is the best mortgage broker in Jacana?+
Everstone Finance is an independent mortgage broker serving Jacana, Melbourne (VIC 3047), 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 Jacana to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Jacana 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 Jacana right now?+
As at May 2026, Cotality (CoreLogic) data puts the Jacana house median sale price at around $653,000 and the unit median at around ~$516K. 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 Jacana?+
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 Jacana 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 Jacana VIC 3047 · based at 35 Malcolm St, South Yarra VIC 3141
Nearby areas: Broadmeadows · Glenroy · Jacana Reserve · Westmeadows
0407 834 757 · ahmed@everstonefinance.com.au