Mortgage broker Kew

Lending at the top end in Kew

Above a certain loan size, home lending stops being a rate-comparison exercise and becomes a policy and structuring exercise. Kew routinely produces loan sizes that move into manually underwritten pricing tiers, where the difference between lenders is measured in negotiated basis points, not headline rates.

We manage that negotiation on your behalf, and where non-resident income, bridging finance or complex ownership structures are involved, we know which of our panel lenders will actually say yes.

What's genuinely different about Kew

• Loans above roughly $2m sit in specialist private-bank-style policy tiers at only some lenders, with manual underwriting.
• Non-resident and foreign-income applicants are accepted by a minority of lenders, each shading income differently.
• Heritage-overlay homes near Studley Park face tighter renovation and construction-lending rules.
• Bridging finance between selling and buying is common among Kew upgraders and needs specific structuring.

Structuring the purchase

Whether you're using existing equity, selling to buy, or bringing in overseas income, the order you do things in materially affects both your tax position and your borrowing capacity. We coordinate the lending side with your accountant and conveyancer so nothing is left to the last week before settlement.

Victorian land transfer duty still applies at Kew's price points — with no first home buyer relief for most purchases here, it's a genuine six or seven-figure line item that needs to be funded alongside your deposit.

A broker, not a bank

We compare 40+ lenders including several with dedicated high-value lending policies, and we're paid by the lender that funds the loan — not by you.

The Kew property market

Kew sits among Melbourne's most expensive suburbs, with grand period homes overlooking the Yarra parklands at Studley Park and a smaller stock of architect-designed and heritage apartments closer to the Junction. A meaningful share of buyers are professionals with equity from a prior sale rather than income-only borrowers, and non-resident or overseas-income purchasers are more common here than in most Melbourne suburbs. Price growth has been steady but the top end moves on very few annual sales.