Our friendly local team are experts at making home loans easier, that’s why St Kilda clients give us lots of 5-star reviews (thank you:). From pre-approval to tailored rate negotiations and more, we’re known for going the extra mile for our clients.

Here’s how we help:

1. Home Loan Assessments

A local mortgage broker like EverLend can be a invaluable resource when you’re navigating the local St Kilda property market. Whether you’re a first-time homebuyer or it’s your fifth investment property, we can help you determine the right loan and lender for your needs. This includes analysing your current assets, solo or combined income, current expenses, your credit history, and overall financial readiness. At this early stage we can also provide unofficial advice to get you on the right track for your home loan. Just get in touch with is on ☎️ (03) 7036 3356.

2. The Home Loan Pre-Approval Process 

Our local St Kilda Mortgage Agents can help during every step of the loan pre-approval process, translating the fine print and more complex details into easy to understand terms. We also work with 60+ lenders to give you a much clearer idea of your budget, and importantly, how it will fit into your current lifestyle.

3. St Kilda Housing Market Knowledge 

One of the benefits of using local mortgage brokers like EverLend, is understanding the St Kilda real estate market. If you like, we can provide real insights into property trends & values, the local neighbourhood including ammenities like local St Kilda school catchments, transport options to Melbourne CBD and around town, local shops, and your investment potential – all helping you to make a more informed decision when buying your new home or investment property.

4. Home Loan Comparison Shopping 

Comparing loans, terms and rates from multiple lenders is the core of what we do for our clients, and why we’ve loads of 5-star Google reviews! We can help you find the most competitive interest rates available, and the most favourable terms for your borrowing power. Simply get in touch with us today on ☎️ (03) 7036 3356 if you’ve any questions.

5. Paperwork and Application Help 

Mortgage advisors like us are the experts at helping with the prep and submission of your home loan application, and that’s what makes our range of services remarkably valuable. We’ll help you gather the necessary documents and ensure that the application is completed accurately and promptly, reducing the time and stress that it takes to finance your home.

6. We Simplify The Home Loan Process 

There’s no way around it, buying any home involves complex paperwork and processes – that can quite overwhelming for most people. By using a  local Mortgage broker like EverLend, we can simplify the process by guiding you through each-step while answering any questions you may have. From pre-approval, finding the most competitive market rates, accessing your current lender, performing the best mortgage comparisons around, our award-winning mortgage brokers can help!

7. Ongoing Mortgage Support 

When you use a local St Kilda mortgage broker like EverLend, your relationship doesn’t end after mortgage approval. Our local tea provides continued check-ins, updates and support well after your loan goes unconditional.

Just get in touch with us on ☎️ (03) 7036 3356 if you are looking for a Mortgage Broker in St Kilda!

First Home Buyers St Kilda

Finding the perfect first home is usually daunting, and that’s before you walk into a single bank for pre-approval or start a home loan application. That’s why we think you’ll love our simple, expert advice and friendly local team. We make the entire home loan application process hassle-free for first home buyers, from pre-approval to ongoing support, helping with paperwork, guidance on insurances, stamp duty and more – just call us on ☎️ (03) 7036 3356 if you’re a St Kilda first home buyer.

Changing Homes in St Kilda

If you’re upsizing, downsizing or simply changing your St Kilda homes, and need financing, our local St Kilda team have helped others transition seamlessly to their next homes – all without having to deal with the major banks or others in the lending industry who can complicate an often stressful change over. If you know the lending process, we can simply work on negotiating the best rates, just get in touch with us.

St Kilda Property Investors

In the St Kilda property market, not all properties or land for sale are great investments, and if you’re an investor, having the right mortgage consultants (local people) who know the local area and property trends can make all the difference. The EverLend Team are local investors and independent home loan brokers, and our St Kilda mortgage agents can help you financing your 1st or 5th investment property. Simply get in touch with us today on ☎️ (03) 7036 3356 if you’ve any questions.

St Kilda Home Refinancing

Are you looking to start long-awaited renovations and need refinancing? Has your financial goals or circumstances changed? Lots of people refinance for different reasons, and our St Kilda home loan specialists providing simple advice, while working with over 60 lenders to get some of the best refinancing rates around. You can also use our free online home loan calculators so you can see what any extra payments and refinancing might look like.

St Kilda Construction Financing

Even with the best project managers and plans, building a new home or starting a construction project, like a renovation, granny flat or even an apartment block, can present many unknown challenges. This is where working with the Best Mortgage Broker St Kilda really counts, with our combined experience and simple loan process for domestic and commercial property – the team here can help you remove the financial unknowns and help you find the right construction finance solution.

Simply get in touch with us today on ☎️ (03) 7036 3356 if you’ve any questions or looking for the best Mortgage Brokers St Kilda!

St Kilda (postcode 3182) is considered a great place to buy a home or investment property for several compelling reasons:

1. Prime Location

• Proximity to the CBD: St Kilda is only about 5 kilometres from Melbourne’s CBD, making it an ideal location for professionals who want to be close to the city while enjoying a more relaxed, beachside lifestyle.
• Beachfront Lifestyle: Being located near St Kilda Beach, it offers a beachfront lifestyle with easy access to the beach, walking trails, and parks, which is attractive for both residents and investors.

2. Strong Rental Demand

• High Demand from Renters: St Kilda has a strong rental market due to its desirable location, trendy lifestyle, and access to public transport. It appeals to young professionals, students, and even families, which can make it a solid investment for rental returns.
• Tourism Appeal: The area is known for its vibrant culture, close to popular attractions like Luna Park, Acland Street cafes, and the St Kilda Festival, which can boost short-term rental demand from tourists.

3. Lifestyle and Amenities

• Cafes, Restaurants, and Nightlife: St Kilda is close to Acland Street and Fitzroy Street, which offer a range of dining options, bars, and boutiques. The area has a trendy vibe that attracts a younger demographic.
• Parks and Recreation: The area is surrounded by green spaces like Albert Park and the St Kilda Botanical Gardens, offering ample opportunities for outdoor activities, which adds to the appeal for families and nature lovers.

4. Public Transport Accessibility

• Trams and Buses: Excellent public transport options, including trams and buses, provide easy connectivity to the city and surrounding suburbs, making it convenient for commuters.

5. Capital Growth Potential

• Strong Historical Growth: St Kilda has seen consistent capital growth over the years, making it a potentially lucrative investment for those looking to benefit from long-term appreciation.
• Scarcity of Supply: The area is relatively small, with limited available land for development, meaning that demand often exceeds supply, which can drive property values upward.

6. Diverse Property Types

• Variety of Property Choices: Whether you’re looking for period homes, modern apartments, or luxury townhouses, St Kilda offers a diverse range of property options to suit different buyers’ needs, from owner-occupiers to investors.

In summary, St Kilda’s blend of beachfront living, strong rental market, proximity to the CBD, and vibrant local amenities make it an attractive option for both homebuyers and investors.

Simply get in touch with us today on ☎️ (03) 7036 3356 if you’ve any questions for our St Kilda Mortgage Broker team, we’ve loads of 5-star client reviews!

Weather you’re looking to buy your first home or build your property portfolio, there are several major lenders around the St Kilda area including the big four banks – and we negotiate with lots of them.

The problem is the overwhelming number of financial products, and every lender is selling their own products, which is why 70% of Australians now use a mortgage broker, we work for you, not the banks!

Simply get in touch with us today if you are looking for the best terms and rates, otherwise, here are some other lenders in St Kilda you could consider:

1. Other Mortgage Brokers St Kilda

70% of Australians now use a broker over a bank for good reason! A mortgage advisor works for you, which means we can you quickly understand the types of loans available, difference in rates and terms, and unlimitedly get your the best loan for your individuals needs.

Other Mortgage Brokers in St Kilda might include Loan Market St Kilda, Aussie Home Loans, Mortgage Choice St Kilda, Lendi Group and many more. Simply get in touch with us today on ☎️ (03) 7036 3356 if you are looking for a specific lender.

2. The Major Banks 

Commonwealth Bank, ANZ Bank, Westpac Bank, National Australia Bank (NAB) and more are all major Australian banks offering home loan products, many with a presence in or around the local St Kilda area. The “challenge” with banks is that they purely offer their own internal Home loan products – so to shop around, you literally need to walk into every bank (or contact us and we’ll do it for you).

And basically, they don’t compare their loans with other lenders like we do – so you would have to visit 60 banks to do what we do at EverLend! That’s why local mortgage brokers are highly sought after these days.

3. Other Non-Bank Lenders

Additional to the big banks, there are what we call “non-bank lenders” who generally don’t have physical offices including ING Bank, Macquarie Bank, ME Bank and more. But like banks, they only offer their own internal home loan products – so you could be extremely limited with the options you get. Just be sure to do your research when going directly to any kind of bank, and also be sure to ask about any fees, like early loan payout fees, overdraw fees etc.

Or just contact us today on ☎️ (03) 7036 3356 and we can compare 60+ lenders for you, and help you get your home or investment loan underway.