Your mortgage broker in Maidstone.
Independent home loan, refinancing and investment lending advice for Maidstone first home buyers, upgraders and investors in Melbourne's inner west. 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 Maidstone, Melbourne. Founded by former major-bank lenders, we help Maidstone buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Maidstone is its own kind of market, and it pays to have a broker who gets that
With 2,046 units and townhouses now narrowly outnumbering 1,953 houses, Maidstone is a suburb being rebuilt street by street, and that wave of townhouse development drives nearly every lending decision here. An original weatherboard or post war home on a full block carries a median value of around $913,000, while a newer townhouse or unit sits closer to $630,000. The suburb holds 1,953 houses against 2,046 units, so for many first home buyers a townhouse is the realistic way in, and the deposit and borrowing picture for the two looks quite different.
This is the fast gentrifying heart of Melbourne's inner west, about 8km from the CBD in the City of Maribyrnong, with Medway Golf Club, the Maribyrnong River trails just east and Highpoint Shopping Centre a few minutes away. Of roughly 9,389 residents the largest age group is 30 to 39 with a strong skew to couples with children, dwellings are split 55% owner-occupied to 45% rented, and that large renter base makes Maidstone a genuine investor market alongside the first home buyers and young professionals trading up from apartments. On a house, a standard 20 per cent deposit runs north of $180,000, while a townhouse entry can nearly halve that, so the structure conversation starts early.
The trend lines reward a careful read. Over five years the house median has climbed roughly 11% while units have risen around 9%, and indicative gross rental yields on units have climbed to about 4.7% because rents have grown faster than prices. With the population up 4.0% over five years and the average owner holding for around 13 years, well priced homes and townhouses move quickly, so confirming your borrowing capacity and deposit structure first is what keeps you competitive when the right one comes up.
Whether you are buying a first townhouse, refinancing a weatherboard you have held for years, weighing an investment purchase as yields rise, or building a portfolio, the right structure matters more than the headline rate. That is the conversation the Everstone team has with you, in plain English, with no pressure. As an independent broker we hold a 5.0 Google rating and operate under the Best Interests Duty as Australian Credit Representative 526374.
Maidstone property market snapshot (July 2026)
A direct read on where the Maidstone market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Weatherboards & post war homes
Units & townhouses
How Maidstone values have moved
Median values 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 Maidstone house median has climbed steadily (roughly +11%) and the unit median has risen as well (roughly +9%). Indicative gross rental yields on units have climbed over the same period, with rents growing faster than prices, ending around 4.7%. 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 July 2026, buying a house in Maidstone typically means ~$875,500 at the median sale price, while a unit or townhouse typically means ~$630,000. With around 45% of residents renting and yields rising, 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 Maidstone VIC 3012, as at 2 July 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions. Page reviewed July 2026.
What it is really like to buy in Maidstone
Maidstone is one of the inner west's fastest changing suburbs, sitting in the City of Maribyrnong about 8km west of the Melbourne CBD, where original weatherboards and post war homes share streets with wave after wave of new townhouses. With units and townhouses now outnumbering houses, what you buy here changes the lending conversation entirely. A weatherboard on a full block and a brand new townhouse are different worlds for deposit, valuation and the lenders willing to fund them.
The homes, street by street
The established end runs through the quieter streets around Medway Golf Club, where original weatherboards and renovated post war homes carry a median sale price near $875,500, with the lower quartile around $763,750 and the upper quartile near $1,061,250. Across the rest of the suburb the story is townhouse development, with newer two and three bedroom townhouses and units sitting around a $630,000 median and entry stock from the low $600,000s, well under neighbouring Maribyrnong. Lenders read the two very differently, and valuations on near new townhouses can vary noticeably from one bank to the next.
Getting around and the lifestyle
Good bus links run through the suburb, Tottenham and West Footscray stations sit just to the south, and Highpoint Shopping Centre is a few minutes away, with the Maribyrnong River trails just east for weekend runs and rides. Victoria University's Footscray campuses are close, and Avondale Heights, Maribyrnong, Braybrook, West Footscray and Footscray wrap the suburb into the rest of the inner west. That mix of value, position and improving amenity is why young professional couples and families keep arriving, and why around 45 per cent of dwellings are rented.
Maidstone lending, in practice
Maidstone splits by property age and type, and so does the lending. On an original house, a 20 per cent deposit on the median sale runs about $175,000, and renovation plans often shape the loan as much as the purchase does. On the townhouse side, first home buyer schemes, lenders mortgage insurance settings and valuation differences between banks can shift your deposit and buying power materially, because lenders do not all value near new townhouse stock the same way. Investors are in the mix too, drawn by yields around 4.7 per cent and rising, though investment loan rates still start with a 6, so matching your Maidstone property and plans to the right lender is exactly what we sort before you commit.
Refinancing your home loan in Maidstone
When did you last check your rate? In a market like Maidstone, where many owners bought 5 to 10 years ago and have watched values climb while lender appetites shifted, a review is often overdue. House values have risen roughly 11 per cent over five years, units have followed, and rental yields have climbed, so the loan that suited you at purchase may no longer be the one that fits your equity or your plans today.
Is it actually worth refinancing?
Refinancing only stacks up when the savings clear the costs. There can be discharge fees on the old loan and setup or valuation costs on the new one, so the honest question is how long it takes the lower repayment to pay those back. On a Maidstone house loan even a small rate move adds up over time, while on a townhouse loan the maths is tighter, so it is worth running the actual break-even before you switch.
Releasing equity in Maidstone
With the average Maidstone owner holding for around 13 years and values rising, many locals are sitting on real equity. Released sensibly, that can fund a renovation on a weatherboard or post war home, a deposit on an investment townhouse in a suburb where 45 per cent of households rent, or consolidation of more expensive debt. The amount a lender will release depends on its current valuation and your servicing, both of which can differ from one bank to the next, so it pays to compare before you draw on it.
The townhouse factor
With 2,046 units and townhouses in Maidstone, a lot of refinances here are on near new townhouse stock, and that brings its own quirks. Valuations on townhouses vary lender to lender, sometimes by tens of thousands of dollars, which changes your equity position and the rate tier you qualify for. Investors are reviewing structures too as yields rise toward 4.7 per cent, weighing principal-and-interest against interest-only while investment loan rates still start with a 6. The bank that wrote your loan may no longer value your property best, so matching your Maidstone home or townhouse to the right lender is exactly what we sort before you refinance.
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 quick 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 quick reviewWhatever stage you're at
The same plain-English, best-interests approach, tailored to how people actually buy and invest in Maidstone 3012.
First home buyers
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With townhouses from the low $600,000s 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 changing 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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Maidstone has a 45 per cent renter base and rental yields that have risen to around 4.7 per cent. We structure investment 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 Hampstead Road or the Highpoint precinct, 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 or townhouse to a full block here, or downsizing the other way, is a real shift 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 Maidstone mortgage consultation
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Maidstone mortgage broker FAQs
Who is the best mortgage broker in Maidstone?+
Everstone Finance is an independent mortgage broker serving Maidstone, Melbourne (VIC 3012), 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 526374.
Do I need to be in Maidstone to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Maidstone and the rest of Australia by phone and Zoom, and in person by arrangement. As ex-bankers licensed Australia-wide, we help Maidstone clients remotely just as easily as locals. Lending isn't tied to your postcode the way some services are.
What does property cost in Maidstone right now?+
As at 2 July 2026, Cotality (CoreLogic) data puts the Maidstone house median sale price at around $875,500 and the unit median value at around $630,000, with newer townhouses available from the low $600,000s. We can assess realistic borrowing capacity for either a house or a townhouse.
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, whether you're buying your first Maidstone townhouse or refinancing a family home.
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. That means you can scope out a Maidstone purchase or refinance with us before anything touches your file.
Can Everstone Finance help investors buying in Maidstone?+
Yes. With around 45% of Maidstone households renting and unit yields rising to about 4.7%, the suburb attracts genuine investor interest. We structure investment lending across principal-and-interest and interest-only, factoring in rental income and future portfolio moves. Keep in mind investment loan rates currently start with a 6, so structure and lender comparison matter more than chasing a headline number.
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. Maidstone townhouse purchases with a finance clause can move quickly, and we can move faster when a deadline calls for it.
Nearby areas we serve
Helpful guides for Maidstone buyers
Suburb market figures are sourced from Cotality (RP Data) and are indicative. cotality.com.au
Serving Maidstone VIC 3012 · based at 35 Malcolm St, South Yarra VIC 3141
0407 834 757 · ahmed@everstonefinance.com.au