Mortgage broker Richmond

Why Richmond buyers use a local mortgage broker

Richmond's housing stock is a patchwork: heritage-listed terraces, 1960s walk-up blocks, warehouse conversions around Cremorne and brand-new apartment towers near Victoria Gardens. Lenders don't treat these equally — some banks cap LVRs on apartments under 50m², others are wary of high-density postcodes like 3121, and a few won't lend on company-title walk-ups at all.

Because we broker loans in Richmond and the inner east every week, we know which lenders are comfortable with the exact property you're buying — before you pay for a valuation or sign a contract. That local knowledge regularly saves buyers from a declined application or a shortfall at settlement.

Richmond lending insights we act on

• Apartment size rules: several major lenders restrict loans on units under 50m² internal area — common in Richmond's older blocks. We steer these to lenders without size minimums.
• High-density postcode caps: some banks limit their exposure in 3121 new developments. We check lender appetite before you apply.
• Heritage overlays: period homes around Bridge Road and Church Street can attract valuation conservatism; we order upfront valuations to de-risk your offer.
• First home buyers: most Richmond apartments sit within the Victorian stamp duty concession and federal 5% deposit scheme price caps — we map every concession you're entitled to.
• Investors: Richmond units yield around 4.7% gross at current median rent, and we structure loans (interest-only, offset, splits) to suit your tax position.

What we help Richmond locals with

• First home buyer loans, grants and the 5% deposit scheme.
• Refinancing to a lower rate or to release equity for renovations.
• Investment and SMSF property finance.
• Self-employed, low-doc and specialist lending.
• Pre-approval strategy for auction bidding on Bridge Road and Church Street properties.

Free, local and lender-paid

Our service is free to you — we're paid by the lender and we disclose it. You get genuine inner-Melbourne lending knowledge at no cost and no obligation.

One point of contact manages your application, valuation and settlement end to end, whether you're buying in Richmond, Cremorne, Burnley or Abbotsford.

The Richmond property market

Richmond is one of inner Melbourne's most sought-after suburbs, blending heritage terraces, warehouse conversions and new apartment developments just a few kilometres from the CBD. Its mix of period homes and high-density stock means lender appetite varies — some banks are cautious on small apartments and off-the-plan units. As a local broker, we know which lenders value Richmond property and will lend against it comfortably, whether you're buying a Victorian terrace off Bridge Road or an apartment near Church Street.