Mortgage Broker New Farm
Riverside apartments, prestige houses and everything the peninsula holds. Advice comparing 40+ lenders for New Farm buyers and owners, at the lender’s cost, not yours.
New Farm home loans: Everstone Finance, a brokerage founded by former bankers, is the mortgage broker many New Farm households choose when comparing over 40 lenders. The suburb’s median house sells around $1.90M and the median unit around $1.02M per Cotality (June 2026), and the comparison itself costs the borrower nothing.
Everstone Finance is a mortgage broker serving New Farm, Brisbane. With founders who learned lending inside the major banks, we compare 40+ lenders for the peninsula’s apartment buyers, house hunters and investors, at no cost to you.
New Farm is its own kind of market, and it pays to have a broker who gets that
Few Brisbane suburbs flip the usual house-versus-unit script the way New Farm does. Apartments make up the bulk of this riverside peninsula, with a unit median around $1.02M, while the smaller pool of freestanding houses sits far higher at roughly $1.90M and a top quartile beyond $3.6M. With around 5,485 units against just 1,530 houses, the market draws professionals and investors chasing apartments alongside the few buyers stretching for prestige character stock, and the right loan structure matters here far more than the headline rate.
Wrapped by the Brisbane River and bordered by Fortitude Valley and Teneriffe, New Farm sits just 1.7km from the Brisbane GPO, a genuinely inner-city address known for New Farm Park, the Powerhouse, the cafes along Brunswick and James Streets, and the CityCat at the doorstep. Its population of about 12,200 eased 2.8% over five years, the largest age group is 30 to 39, and only around 44% of homes are owner-occupied, meaning 56% of residents rent. Units have been climbing while houses softened roughly 10% over the past year, with an indicative gross rental yield on units near 3.8%, so the apartment end now offers a more accessible entry for first home buyers and downsizers.
At house level the numbers get large quickly. A standard 20% deposit runs to about $400,000, and most purchases land well above the lenders mortgage insurance threshold, which shifts the real questions to borrowing capacity, how existing portfolios or business income are assessed, and whether the loan keeps flexibility. Those are the questions we settle with you before anything goes to a bank. Everstone Finance brokers across 40+ lenders, is rated 5.0 on Google, and operates under the Best Interests Duty as Australian Credit Representative 574314.
New Farm property market snapshot (June 2026)
A direct read on where the New Farm market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How New Farm 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: the trend lines follow Cotality’s New Farm charts, rounded to each chart’s grid. Read them for direction, not month by month precision, and since they change over time, get the current picture from us before acting.
In short: as at June 2026, a New Farm house typically means ~$1.90M against ~$1.02M for a unit. Around 56% of residents rent in this apartment-heavy market, so lender choice and loan structure pull as much weight as the rate, and both are exactly our job.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for New Farm QLD 4005, as at 03 June 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions. Page reviewed June 2026.
What it is really like to buy in New Farm
New Farm is an inner Brisbane riverside peninsula, leafy Queenslander streets to the south, art deco blocks and apartment towers along the water, with New Farm Park and the Powerhouse at its tip. With a house median near $1.9M and units close to $1.02M, what you buy here shifts the lending conversation completely, and a riverfront house and a tower apartment are two very different files to a lender.
The homes, street by street
South of Brunswick Street you find the big ornate Queenslanders and Federation homes on shaded streets, prestige stock that brings large loan sizes and valuations that can move between lenders. Closer to the river and around Merthyr Village sit the art deco walk ups and modern apartment towers, where lenders look hard at internal size, the building, and how many units they will already hold there. The two profiles get treated very differently.
Getting around and the lifestyle
Brunswick Street runs the spine of the peninsula, with Merthyr Village, James Street and the river dining close by. CityCat terminals put you on the water and quick to the CBD, and New Farm Park and the Powerhouse anchor the riverfront. That mix of heritage character, walkability and genuine scarcity on the peninsula is why demand stays deep and prices hold across both houses and apartments here.
New Farm lending, in practice
New Farm splits two ways in practice. The riverfront and southern houses are high value, so large loan sizes and valuations that swing between lenders come into play, much as our guide to high value and prestige home loans explains. For the apartments, lender minimum sizes, density caps on how many units one lender will fund in a single tower, and stricter rules on smaller floor plans can all decide who says yes. Matching your New Farm property to the right lender is exactly what we sort before you commit.
Refinancing your home loan in New Farm
Does your loan still match what New Farm is worth now? Values here have held well across both houses and apartments, so if you bought or last refinanced a few years back, there is a fair chance your equity position and your rate no longer match what is available. A quick review costs nothing and often there is a better structured loan sitting with a different lender.
Is it actually worth refinancing?
Refinancing only makes sense if the numbers work after costs. There can be discharge fees, possible break costs on a fixed rate, and a new valuation, so we look at your real break even before you move. On New Farm loan sizes, even a modest rate difference can outweigh those costs quickly, but if it does not stack up, we will tell you to stay put.
Releasing equity in New Farm
If your New Farm home has grown in value, released equity can fund a renovation on a period Queenslander, a deposit for an investment purchase, or consolidation of other debt into one cleaner facility. On a riverfront or southern house the equity available can be significant, and we structure the release so it suits the goal rather than just adding to the loan.
The high value factor
At New Farm price points, valuation and a lender’s appetite for large loans matter more than a headline rate. A riverfront or character house can value differently from one lender to the next, and an apartment can be capped by tower exposure rules, so the bank that wrote your loan a few years ago may no longer be the one that values it best. Matching your New Farm property to the right lender is exactly what we sort before you refinance.
When did you last check your rate?
New Farm equity builds while nobody is watching. A brief review tells you whether your lender is still rewarding you for it. No cost, no obligation, no credit check.
Book your free quick reviewWhatever stage you’re at
Best interests advice for a peninsula where apartments rule and houses run to prestige prices, across New Farm 4005.
First home buyers
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For first buyers, the peninsula’s apartments are the entry point, sitting far below house prices. We clarify what you can borrow, structure the deposit, and check every scheme that might apply before you offer.
Refinancing
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New Farm equity tends to grow quietly. We compare your loan against 40+ lenders, run the whole switch when a sharper or better structured deal exists, or tell you plainly you already hold the right one.
Property investors
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More than half of New Farm rents, and apartments carry the yield. We structure investor lending around that demand, with the repayment type chosen to fit the portfolio, not just the rate.
Commercial & SMSF
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From cafes along Brunswick Street to consulting rooms, the peninsula supports serious commercial property. We arrange commercial and SMSF facilities and map how they differ from housing finance.
Upgraders & downsizers
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Stepping from an apartment to a New Farm house means crossing one of Brisbane’s widest price gaps. We model the equity, bridging and borrowing questions before you fall for a listing.
Self employed & complex income
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Professional and business income around here is often layered, drawings, dividends, bonuses. We match you to lenders that assess the full picture and present it at 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. Former bankers, 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 New Farm mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Prefer to call, text or WhatsApp about a New Farm home loan? Reach Ahmed on his own mobile, no call centre.
New Farm mortgage broker FAQs
How do lenders view New Farm apartments and houses differently?+
Houses here are high value, with large loan sizes and valuations that can swing between lenders. For the apartments that make up the bulk of the peninsula, lender minimum sizes, caps on how many units one lender will fund in a single tower, and stricter rules on smaller floor plans can all decide who says yes. Matching the property to the right lender is what we sort.
Do I need to be in New Farm to work with Everstone Finance?+
No. We’re based in South Yarra, Melbourne and work with borrowers across New Farm 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. Most of our New Farm work is apartment lending on the peninsula, which suits phone and Zoom well.
What does property cost in New Farm right now?+
As at June 2026, Cotality (CoreLogic) data puts the New Farm house median sale price at around $1,900,000 and the unit median at around ~$1.02M. 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. That applies across New Farm’s apartment towers and its prestige houses alike.
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. So peninsula buyers can sort out which lenders fund their building before anything is recorded.
Can Everstone Finance help investors buying in New Farm?+
Yes. New Farm draws professionals and investors chasing apartments, and the right loan structure matters here far more than the headline rate. 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 New Farm 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. Peninsula apartment contracts run the same way once the building checks out. We can move faster when a deadline calls for it.
Other areas we serve
Everstone serves New Farm as part of Brisbane: the mortgage broker Brisbane guide sets out Queensland duty at Brisbane prices and equity release after three growth years, and this page adds the local detail.
Helpful guides for New Farm buyers
Suburb market figures are sourced from Cotality (RP Data) and are indicative. cotality.com.au
Serving New Farm QLD 4005 · based at 35 Malcolm St, South Yarra VIC 3141
Nearby areas: Teneriffe · Fortitude Valley · Newstead · Kangaroo Point · Bulimba
0407 834 757 · ahmed@everstonefinance.com.au