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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 loansA-01
Our home base · Melbourne south-east
Mortgage Broker in Oakleigh
Oakleigh and surrounds
Oakleigh is home for us. It's where our team is based, and it's where a lot of our clients live, work and build. We help first home buyers, families, investors and builders across Oakleigh, Oakleigh East, Oakleigh South, Huntingdale and Hughesdale find the right loan and set it up properly from day one.
Because we're local, we understand what people here are actually buying: period homes on generous blocks, older units ripe for renovation, townhouses replacing single dwellings, and plenty of knock-down rebuilds on the quieter streets off Warrigal Road and Atherton Road.
Neighbouring suburbs
- Oakleigh East
- Oakleigh South
- Huntingdale
- Hughesdale
- Murrumbeena
- Chadstone
01 — Lending in Oakleigh
Lending for how Oakleigh is changing
Oakleigh has a lot going for it: a train line into the city, the Eaton Mall and Portman Street food strip, and easy access to Monash, Chadstone and the freeway. That mix brings in a wide range of buyers, from young couples looking for their first unit to long-time owners subdividing the family block.
That's why a big part of our Oakleigh work is construction and small development lending. When someone splits a block into two townhouses, or knocks down and rebuilds, the loan needs to match the build contract, the council permit and the plan for what happens after. Getting that right early saves a lot of stress later.
We also see plenty of families moving within the area, from a unit to a house or from a house to something they build themselves. Bridging loans and equity releases come up often, and we spend time making sure the numbers work under a few different scenarios, not just the best case.
02 — Loans
Loans we help with in Oakleigh.
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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-05
First home buyers
Buying your first place in Melbourne's south-east. We explain every step, from deposit to settlement, in plain English.
Find out more : First home buyers03 — Why a local broker
Practical reasons to work with us.
Note 01
We can meet in person
Note 02
We know the build types
Note 03
We work with local professionals
Note 04
One team, start to finish
04 — Nearby
Nearby areas we also cover.
05 — Local FAQ
Questions from Oakleigh.
Q-01Is Ridge Finance based in Oakleigh?
Yes. Our team is based in Oakleigh and we work with clients right across Melbourne's south-east, as well as Australia-wide for construction, development and SMSF lending.
Q-02Can you help with a townhouse development in Oakleigh?
Yes. Small development and subdivision finance is one of our specialties. We look at your feasibility, permit status and exit plan, then match you with suitable lenders.
Q-03Do I need to come into an office?
No. Plenty of our clients never meet us in person. If you'd like to, we're local and happy to arrange it.
Q-04Do you help first home buyers in Oakleigh?
Absolutely. We explain the process, check what government support may apply and help you understand your borrowing options before you start inspecting.
06 — Enquire
Buying, building or refinancing in Oakleigh?
Send us a few details and we'll come back to you within one business day.