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Second Home Loan Melbourne | Buy Second Property 2026

Second Home Loan Melbourne – Buying a Second Property While Keeping Your First

A second home loan Melbourne uses the equity built in your first property as the deposit for a second purchase – without selling. Whether the second property is a holiday home, investment or future owner-occupied home, the loan must be structured correctly to protect deductibility, avoid cross-collateralisation and preserve future borrowing capacity for portfolio growth.

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minimum deposit home loan Melbourne 2026 — LVR comparison LMI costs schemes available

Home Loan Deposit Melbourne 2026 – How Much Do You Really Need?

How much deposit do you need for a Melbourne home loan in 2026? A first home buyer can purchase with as little as 2% through Help to Buy or 5% through the First Home Guarantee. A standard buyer without any scheme needs 20% to avoid LMI. On a $700,000 Melbourne property, the difference between 5% and 20% is $105,000 – plus $18,000 – $23,000 in LMI at 5% without a scheme. This guide explains exact deposit requirements at every Melbourne price point.

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Low Doc Home Loan Melbourne 2026 – Self-Employed Borrowers Guide

A low doc home loan Melbourne is a mortgage product for self-employed borrowers, sole traders and contractors who cannot provide standard two years of tax returns. In 2026, low doc loans are available from specialist non-bank lenders at competitive rates — with LVRs up to 80% and borrowing amounts up to $2.5 million for well-qualified Melbourne self-employed borrowers. This guide covers who qualifies, what documents are accepted and how to plan the path to full-doc refinancing.

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