Get property finance help in Melbourne
Property Finance Help connects borrowers in Melbourne with finance specialists across home loans, commercial property, construction, development, investment, SMSF and specialist lending. Whether you are bidding at auction on Saturday, settling a commercial deal in the CBD, building in a growth corridor or refinancing an investment property hit by land tax changes, we match you with someone who handles your type of deal. We are not a lender or broker.
Property Finance Help is a referral service covering all of Greater Melbourne, Geelong and regional Victoria. We connect home buyers, property investors, business owners and developers with finance professionals who specialise in residential lending, commercial property, construction, SMSF and refinancing. Melbourne is Australia's second-largest broker market, and the right specialist can make a real difference to the outcome of your deal. We are not a lender or broker.
Home loans
First home buyers, auction pre-approval, upgraders and off-the-plan purchases across Melbourne
Commercial finance
CBD offices, Southbank retail, industrial in the west and strata commercial across Melbourne
SMSF lending
Residential and commercial SMSF purchases with compliant lender structures
Construction finance
New builds, house and land packages in growth corridors, knock-down rebuilds and development loans
What type of finance do you need in Melbourne?
Start with the category that fits your situation. Each pathway covers the lender criteria, deal structures and documentation that apply to that type of property finance in Melbourne.
Home loans for Melbourne buyers
Melbourne runs on auctions. Contracts go unconditional under the hammer with no cooling-off period, so pre-approval needs to be sorted before you raise your hand. First home buyers, upgraders across the eastern suburbs, and families pushing into growth areas like Wyndham and Casey all need lender-ready finance before bidding day.
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Commercial lending across Melbourne CBD, Southbank and the west
Office suites in the CBD, retail in Chapel Street and Bridge Road, industrial in Laverton and Truganina, medical rooms in Box Hill. The lender assessment changes depending on the asset, tenant profile and your borrowing structure. Victoria's new Commercial and Industrial Property Tax adds another layer to the numbers.
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Construction and development finance
New builds in Melbourne's outer growth corridors, knock-down rebuilds in Bayside and the inner east, owner-builder projects, multi-lot subdivisions in Wyndham, Casey and Melton, and medium-density infill across the middle ring. Progress draw structures and builder qualification requirements apply.
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Investment property lending
Buying a rental in Melbourne, expanding a portfolio, or reassessing your position after Victoria's land tax threshold dropped to $50,000. Lender rules on rental income shading, negative gearing claims, existing debt exposure and the new holding cost reality all affect what you can borrow and where it makes sense to buy.
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SMSF property loans in Melbourne
Buying residential or commercial property through your SMSF. Limited lender participation, stricter LVR caps and compliance rules make this a specialist pathway. The right guidance saves real headaches and avoids costly compliance issues down the track.
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Refinancing and restructuring
Rate reviews after a fixed period ends, cash-out to fund a renovation or next purchase, debt consolidation, and restructuring a portfolio in response to Victoria's changed land tax settings. Getting the timing and structure right can save thousands over the life of the loan.
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Common Melbourne finance scenarios
Melbourne borrowers deal with a specific set of challenges that come with this market. Here are four situations we see regularly, and what actually matters in each one.
Pre-approval before bidding at a Melbourne auction
Melbourne has the strongest auction culture in Australia. When you win at auction, the contract is unconditional immediately. No finance clause, no cooling-off period, and a 10% deposit on the spot. A buyer without properly assessed pre-approval who wins and cannot settle is in serious trouble. Getting finance locked down before auction day is not a nice-to-have here. It is essential. That means your income is verified, the property is assessed, and your conveyancer has reviewed the section 32.
First home buyer using Victorian stamp duty concessions
Victoria offers a full stamp duty exemption on properties up to $600,000 and a sliding concession up to $750,000 for first home buyers. The $10,000 First Home Owner Grant applies to new homes valued under $750,000. On top of that, the Home Guarantee Scheme cap for Melbourne sits at $950,000, letting eligible buyers purchase with a 5% deposit and no LMI. Stacking these concessions takes careful planning, and the thresholds have not moved since 2017 while prices have.
Investment property buyer facing new Victorian land tax costs
Since January 2024, Victoria dropped the land tax threshold from $300,000 to $50,000, added a COVID Debt Repayment Surcharge running until 2033, and expanded the Vacant Residential Land Tax statewide. Tens of thousands of Victorian landlords now pay land tax who previously did not. These extra holding costs change the maths on rental yield, affect borrowing capacity assessments, and have pushed some investors to sell. Before buying or refinancing an investment in Melbourne, you need the full picture on holding costs, not just the interest rate.
Buying off-the-plan in Docklands or Southbank
Melbourne's inner-city high-density precincts like Docklands, Southbank and parts of the CBD come with lender restrictions that do not apply in lower-density suburbs. Some banks limit LVR or decline small apartments under 50 sqm. Body corporate costs are higher, and certain buildings have known issues that trigger specific lender policies. Victoria's temporary off-the-plan stamp duty concession can reduce the dutiable value, but you need to confirm both lender appetite and duty savings before signing.
Which type of lender suits your Melbourne deal?
Melbourne is Australia's second-largest lending market, and competition between lenders is strong. But the right lender depends on your income type, property, deposit, structure and timeline. Here are the four main categories.
A good starting point for PAYG borrowers with clean credit, a solid deposit and a standard residential property. The big four compete hard in Melbourne and often sharpen rates to win business. But their appetite for unusual property types, high-density units in certain postcodes, complex structures or non-standard income is limited. Straightforward deal, strong borrower profile? This is where to begin.
Worth considering if you are self-employed, have a credit mark, need a higher LVR, or the property sits in a postcode or building that triggers bank restrictions. Non-banks assess income differently and accept a wider range of security types. In Melbourne, where self-employment rates are high and inner-city apartments can be tricky for bank policy, non-bank lenders fill a genuine gap.
These cover deals that sit outside standard channels. Bridging finance when settlement dates do not line up, urgent commercial transactions, complex security arrangements and credit-impaired borrowers. Rates are higher, but speed and flexibility are the trade-off. In Melbourne's development and commercial market, where timing pressure can kill a deal, having access to a private lender can be the difference between settling and losing a deposit.
A specialist category with limited participants. Not all banks or non-banks offer SMSF loans, and those that do apply specific compliance, LVR and property type requirements. Melbourne's commercial property market sees strong SMSF activity, particularly in small offices and warehouse units. If you are buying through your super fund, you need a lender who writes these deals regularly.
How it works
Property Finance Help is not a lender or broker. We are a referral service. Here is what happens when you get in touch.
Step
01
Tell us your situation
Use the form below to share what you need: finance type, rough loan amount and a line or two about your deal. Melbourne is pre-filled as your location.
Step
02
We find the right contact
We review your details and identify a finance specialist, broker or lender who handles your type of deal in Melbourne. Not a random referral.
Step
03
They get back to you
A finance professional contacts you to discuss your options, assess your position and walk you through the next steps for your specific deal.
Get property finance help in Melbourne
Need pre-approval before auction day, sorting out finance for a house and land package in the outer west, buying commercial property in the CBD, refinancing after Victoria's land tax changes, or figuring out SMSF lending? Tell us what you need and we will connect you with someone who handles that type of deal in Melbourne.
Property Finance Help is a lead generation service, not a lender, broker, or financial adviser. All information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Consider seeking independent professional advice before making any financial decision.
Tell us about your situation
A few details is all we need to find the right Melbourne finance contact for you.
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