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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 loansA-02
Melbourne south-east
Mortgage Broker in Clayton
Clayton and surrounds
Clayton is a few minutes from our Oakleigh base, and it's one of the busiest parts of the south-east for property. We help owner-occupiers, investors and builders in Clayton, Clayton South, Notting Hill and Westall with home loans, investment lending and construction finance.
With Monash University, the Monash Medical Centre and a large employment precinct nearby, Clayton attracts a broad mix: academics and health workers buying their first home, investors buying near campus, and owners replacing older houses with new townhouses.
Neighbouring suburbs
- Clayton South
- Notting Hill
- Mulgrave
- Oakleigh East
- Huntingdale
- Westall
01 — Lending in Clayton
What we see most in Clayton
Investment lending is a big part of the picture here. Some lenders have particular policies on small apartments, student accommodation and dual-key properties, so the property type you choose can change your lender options. We flag that early, before you fall for something a lender won't touch.
We also help a lot of healthcare and university staff. Some professions may qualify for reduced lenders mortgage insurance with certain lenders, and income from shift work, overtime or contracts can be assessed differently from lender to lender. We'll help you understand how your income is likely to be viewed.
And then there's building. Older brick veneer homes on decent blocks around Clayton and Clayton South are often replaced with two or three townhouses. If that's your plan, our construction and development finance pages explain how we approach it.
02 — Loans
Loans we help with in Clayton.
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Development finance
Duplexes, townhouses, small subdivisions and multi-unit projects. Finance structured around feasibility, presales and exit.
Find out more : Development financeD-06
Refinancing
Switching lenders, releasing equity or restructuring your loans. We check whether a move actually leaves you better off.
Find out more : Refinancing03 — Why a local broker
Practical reasons to work with us.
Note 01
Investor-friendly structure
Note 02
Property type checks
Note 03
Shift and contract income
Note 04
Close by
04 — Nearby
Nearby areas we also cover.
05 — Local FAQ
Questions from Clayton.
Q-01Can I get a loan for a small apartment near Monash?
Possibly. Some lenders restrict small or student-style apartments, while others are more flexible. We'll check lender policy on the specific property before you buy.
Q-02I work at the hospital. Are there special home loan options?
Some lenders offer reduced or waived lenders mortgage insurance for certain medical professionals. Eligibility depends on your role and the lender. We'll help you understand your options.
Q-03Can you help me build townhouses in Clayton South?
Yes. We arrange construction and small development finance and can work with your builder and town planner on the lending side.
Q-04Do you work with investors who live outside Melbourne?
Yes. Many of our investor clients buy in Clayton but live elsewhere. Everything can be done by phone, video and email.
06 — Enquire
Buying, building or refinancing in Clayton?
Send us a few details and we'll come back to you within one business day.