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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 loansAbout Ridge Finance
Clear, checked and done in the right order.
Mortgage & finance brokers · Oakleigh
Ridge Finance is a mortgage and finance broking company based in Oakleigh, Melbourne. Our team helps people buy, build, refinance and invest, with a particular focus on the loans where getting the structure right really matters.
01 — Our approach
Like a good set of drawings.
A builder wouldn't start on site without a proper set of drawings. We think a loan deserves the same care. Before we recommend anything, we want to understand the whole picture: what you're buying or building, how you earn your income, what you want to do next, and what could change.
Then we compare options from a range of lenders and check their policy against your situation, not just their headline rate. A loan that looks cheap can become expensive if it doesn't suit how you'll actually use it.
We put the application together carefully, so the lender sees a clear, well-supported case. And we manage the process through to settlement, so you're not left chasing paperwork.
02 — How we work
What you can expect from us.
- Principle 01
Structure first
The right rate matters, but the right structure matters more. We think about how the loan will work at settlement, during a build and five years from now.
- Principle 02
Plain English
We explain what each option means, what it costs and what the risks are. If you don't understand something, that's on us to fix.
- Principle 03
Honest about fit
If a loan isn't right for you, or now isn't the right time, we'll tell you. We'd rather lose a deal than set someone up badly.
- Principle 04
Here after settlement
Progress payments, variations, rate reviews, the next purchase. We stay in touch and we're easy to reach.
03 — What we specialise in
The loans where structure matters most.
We help with everyday home loans and refinancing too. But construction, development and SMSF lending are where our team spends most of its time.
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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 lending04 — Working with your people
We work best as part of the team.
Most of the decisions around a loan involve other people: your accountant, your builder, your agent, your conveyancer or financial planner. With your permission, we talk to them directly so everyone is working from the same plan.
05 — Areas we serve
Oakleigh-based. Australia-wide.
We help clients across Melbourne's south-east, including Oakleigh, Clayton, Chadstone, Glen Waverley, Mount Waverley, Carnegie, Bentleigh and Malvern East. For specialist lending, we work with clients across Australia.