D-01
Home loans
Buying your next home or an investment property in Melbourne. We compare lenders and structure the loan around your plans.
Find out more : Home loansMortgage & finance brokers · Oakleigh, Melbourne
Every build starts with the numbers.
Structured properly from day one
Home loans, construction, development and SMSF lending, drawn up by brokers who know how a build actually runs. We find the right lender and set the loan up so it works at every stage.
01 — What we do
Lending for every part of the build.
From a first home to a block of townhouses, we match you with a lender whose policy fits your plans, then structure the loan so the money is there when you need it.
D-02
Construction loans
Building a new home, a knock-down rebuild or a major renovation. Loans that pay your builder in stages as the work goes up.
Find out more : Construction loansD-03
Development finance
Duplexes, townhouses, small subdivisions and multi-unit projects. Finance structured around feasibility, presales and exit.
Find out more : Development financeD-04
SMSF lending
Buying residential or commercial property through your self-managed super fund, with the right structure from the start.
Find out more : SMSF lending02 — How it works
Three steps. No jargon.
- 01
Have a chat
Tell us what you're buying, building or refinancing. We ask the right questions and explain your options in plain English.
- 02
We draw it up
We compare lenders, check policy against your situation and structure the loan so it works at every stage, then handle the paperwork.
- 03
Settle and build
We manage the process through to settlement and stay with you for progress payments, variations and future reviews.
03 — Why Ridge Finance
Built like a good set of drawings.
Clear, checked and done in the right order. That's how we approach every loan.
About our team- C-01 · One team
Enquiry to settlement
The same team handles your loan from the first conversation to the day it settles. No hand-offs.
- C-02 · Specialists
Construction, development and SMSF
The loans where structure matters most are the ones we do every day.
- C-03 · Plain English
Everything explained
We tell you what each option means, what it costs and what could go wrong. If something doesn't fit, we say so.
- C-04 · Joined up
We work with your people
Your accountant, builder and agent can talk to us directly, so nothing falls between the cracks.
04 — Areas we serve
Based in Oakleigh. Working everywhere.
Our team is based in Oakleigh and helps clients right across Melbourne's south-east. For construction, development, SMSF and commercial lending, we work with clients Australia-wide.
- A-01 · Home baseMortgage broker Oakleigh
- A-02Mortgage broker Clayton
- A-03Mortgage broker Chadstone
- A-04Mortgage broker Glen Waverley
- A-05Mortgage broker Mount Waverley
- A-06Mortgage broker Carnegie
- A-07Mortgage broker Bentleigh
- A-08Mortgage broker Malvern East
05 — Referral partners
Send us a client. We'll look after them, and you.
- Accountants
- Builders
- Real estate agents
- Financial planners
- Conveyancers
06 — From the blog
Notes from the drawing board.
Construction6 min read
How Construction Loans Work in Victoria: Progress Payments Explained
A plain-English guide to how construction loans are paid out in stages, what each progress payment covers, and how to keep your build and your finance in step.
Construction5 min read
Knock-Down Rebuild Finance: What You Need to Know Before You Start
Planning to demolish and rebuild on your block? Here's how knock-down rebuild finance works, what lenders look for, and how to budget for the costs people often miss.
SMSF5 min read
Can You Buy Property Through Your SMSF? A Plain-English Guide
Yes, a self-managed super fund can buy property, but strict rules apply. Here's how SMSF property loans work, what you can and can't buy, and the questions to ask first.
Q-01What does a mortgage broker actually do?
We look at your situation, compare loans from a range of lenders, explain the options and handle the application through to settlement. The aim is to find a loan that suits you and structure it properly from the start.
Q-02How much does it cost to use Ridge Finance?
For most residential home loans there's no fee to you, because lenders pay brokers a commission when a loan settles. Some specialist, commercial or complex lending may involve a fee. If that applies, we'll tell you upfront and in writing before you go ahead.
Q-03How do construction loans work?
Instead of receiving the full loan at once, the lender pays your builder in stages as the build progresses, usually slab, frame, lock-up, fixing and completion. You generally pay interest only on the amount drawn during the build.
Q-04Do I need to meet in person?
No. Most of our clients work with us by phone, video and email. If you'd like to meet, we're based in Oakleigh and happy to arrange it.