Your mortgage broker in Melbourne.
Independent home loan, refinancing and investment lending advice for Melbourne 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 the Melbourne CBD. Founded by former major-bank lenders, we help Melbourne buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Melbourne is its own kind of market, and it pays to have a broker who gets that
As the heart of the Melbourne CBD itself (about 0.6km from the GPO), Melbourne 3000 is Australia's densest, most apartment-dominated postcode, a fast-growing CBD of young professionals, students and investors. As at the latest census it had a population of about 54,900, with the largest age group 20 to 29, and roughly only about a quarter owner-occupied.
That mix shapes the lending. Many first purchases here are units and apartments, where the median sale price sits around $413,250. That is a very different conversation to a freestanding house, where the median is closer to $485,000. Active rental demand also makes Melbourne a genuine investor market, so much of what we do here is structuring investment lending and helping owners weigh holding versus upgrading.
Whether you're buying your first place in Melbourne, refinancing a loan you've held for years, or building a portfolio, the right structure matters more than the headline rate. 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.
Melbourne property market snapshot (May 2026)
A direct read on where the Melbourne market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Melbourne 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 Melbourne house median has risen sharply (roughly +48%) and the unit median has softened (roughly -7%). Indicative gross rental yields on units have climbed strongly over the same period, ending around 7.9%. 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 Melbourne typically means ~$485,000, while a unit typically means ~$413,250. With around 74% 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 Melbourne VIC 3000, 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 Melbourne 3000.
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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Melbourne has active rental demand that 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 Melbourne mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Melbourne mortgage broker FAQs
Who is a good mortgage broker in Melbourne?+
Everstone Finance is an independent mortgage broker serving the Melbourne CBD (VIC 3000), 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 Melbourne to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Melbourne 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 Melbourne right now?+
As at May 2026, Cotality (CoreLogic) data puts the Melbourne house median sale price at around $485,000 and the unit median at around $413,250. 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 Melbourne?+
Yes. Melbourne has active rental demand, and 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 Melbourne 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 Melbourne VIC 3000 · based at 35 Malcolm St, South Yarra VIC 3141
0407 834 757 · ahmed@everstonefinance.com.au