VIC — Mortgage Broker

Mortgage Broker for Melbourne CBD Property

Australia's second-largest city — investors and professionals buying in a dense, high-demand market.

✓ No fee in most cases|✓ 30+ lender panel|✓ Home, investment & refinance|✓ NSW · QLD · VIC · Australia-wide|✓ Legally obliged to act in your best interests

Helping Melbourne CBD buyers find the right loan

Melbourne's CBD apartment market is one of the most active in Australia, drawing investors from across the country. Its density, concentration of university campuses and status as Australia's cultural capital drive consistent rental demand from students, professionals and international residents.

Lending for Melbourne CBD apartments requires careful lender selection — floor area restrictions, building size limits and postcode considerations all affect which lenders will approve a loan and at what LVR. We navigate these specifics regularly for clients purchasing across the inner Melbourne market.

Ready to get started?

Book a free call and we will map out your options.

Book Appointment (02) 9188 2138

What we do

Services available to Melbourne CBD clients

We help with all types of home finance.

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Home Loans

Buying your own home in Melbourne CBD. We compare 30+ lenders to find the right rate and structure.

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Investment Loans

Building a property portfolio. We help investors maximise borrowing capacity and structure for deductibility.

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Refinancing

Review your existing loan against the full market. We compare across 30+ lenders.

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First Home Buyers

FHOG, First Home Guarantee and stamp duty guidance. Clear advice from first call to settlement.

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Guarantor Loans

Help your child buy using family equity. We explain the risks and what lenders require.

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Construction Loans

Building new or knockdown rebuild. Progressive drawdown loans managed from slab to handover.

Who we help

Common situations in Melbourne CBD

Melbourne CBD's apartment supply is substantial, and lender appetite varies considerably by building, postcode and apartment size. The student accommodation and short-term rental segments add complexity. For traditional investors and owner-occupiers, the professional rental market in well-located buildings remains reliable.

Investor purchasing an inner Melbourne apartment

We pre-screen lenders for the specific building, floor area and postcode before you commit — avoiding unconditional approval issues after exchange.

Professional relocating from interstate

We help Sydney and Brisbane buyers making the move to Melbourne, including managing the timing of their sale alongside the Melbourne purchase.

Portfolio investor adding VIC to existing NSW holdings

We help NSW-based investors add Melbourne property to their portfolio, structuring across lenders to preserve borrowing capacity.

Service area

We also serve nearby areas

LoanBuddy works with clients across VIC and Australia-wide. From Melbourne CBD, we also regularly assist buyers in: Southbank Melbourne · Richmond · Fitzroy · Carlton — and many more areas.

Book a Free Call

FAQ

Common questions from Melbourne CBD buyers

Yes, though building-specific restrictions apply. Floor area minimums, building size caps and postcode rules vary by lender. We identify the right lender for your specific property.

Most mainstream lenders require 50sqm minimum. Some student-oriented buildings will only suit specialist lenders.

One-bedrooms from around $400k in older buildings. Quality two-bedrooms from $650k. Prestige stock ranges significantly above that.

Yes. After the COVID disruption, Melbourne's inner-city vacancy has tightened considerably as international students and workers have returned.

Have more questions? Book a free call and we will answer them directly.

Work with a broker who knows the Melbourne CBD market

No fee in most cases · 30+ lenders · Clear advice from first call to settlement

Book Appointment