Mortgage broker Richmond

Why choose a mortgage broker Richmond Melbourne

As a mortgage broker Richmond Melbourne, XLOANS compares the whole market in one go instead of you ringing banks one by one. We weigh the headline rate against fees, offset features and cashback to find the true best deal.

Whether you're a first home buyer, refinancing or investing in Richmond, we match you to the lender most likely to approve your loan at a sharp rate.

What we help with

• First home buyer loans, grants and the 5% deposit scheme.
• Refinancing to a lower rate or to access equity.
• Investment and SMSF property finance.
• Self-employed, low-doc and specialist lending.

How much can you borrow in Richmond?

Your borrowing power depends on income, expenses, debts and dependants — and every lender assesses it differently. We work it out accurately across multiple lenders so you know your real budget for Richmond.

Our borrowing power calculator gives you a quick estimate before we refine it together.

Free, local and lender-paid

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

One point of contact manages your application, valuation and settlement end to end.

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.