Your mortgage broker in New Farm.
Independent home loan, refinancing and investment lending advice for New Farm buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know this inner-Brisbane riverside market.
Everstone Finance is an independent mortgage broker serving New Farm, Brisbane. Founded by former major bank lenders, we help New Farm buyers, refinancers and investors compare home loans across 40+ lenders, 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. That is the conversation we work through with you, in plain English and with no pressure. Everstone Finance is an independent broker comparing 40+ lenders, holding a 5.0 Google rating and operating 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: these trajectories are read from the Cotality charts for New Farm 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 June 2026, buying a house in New Farm typically means ~$1.90M, while a unit typically means ~$1.02M. With around 56% of residents renting and an apartment-heavy market, loan structure and lender choice matter 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 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
When did you last check your rate? New Farm values 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?
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 New Farm 4005.
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 New Farm 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 New Farm 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 New Farm mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
New Farm mortgage broker FAQs
Who is the best mortgage broker in New Farm?+
Everstone Finance is an independent mortgage broker serving New Farm, Brisbane (QLD 4005), 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 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.
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.
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 New Farm?+
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 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. We can move faster when a deadline calls for it.
Nearby areas we serve
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