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Templestowe is big-house country. Generous blocks, substantial homes, mature gardens and a market built almost entirely around established families. There is no train, which has never bothered the people who live here, and values sit comfortably above the Manningham average.
The homes in Templestowe are large, and so are the loans. That matters more than people expect, because above certain loan sizes lenders tighten their maximum loan to value ratios and route applications through specialist credit teams. What is a routine ninety per cent approval at seven hundred thousand may be capped at seventy per cent at two million.
Buyers here are almost always moving from another substantial property, so nearly every purchase involves a sale. Given how tightly held Templestowe is, waiting to sell first usually means missing the home you wanted. Bridging is the standard approach, and at these values it is worth knowing in advance which lenders are comfortable writing it at your figure.
The other frequent conversation is renovation. Many Templestowe homes are large but dated, and the land and location are already right. Extending or reworking is often better value than trying to buy the finished equivalent.
Above certain amounts lenders reduce maximum ratios and use specialist credit teams. We know who is comfortable at your figure.
Nearly every purchase here involves a sale. Fewer lenders write bridging at these amounts, so lender choice matters.
Land and location already right, house dated. Staged construction finance rather than buying the finished version.
Whatever stage you are at, there is a path through it. Pick the one that sounds like you.
Often, proportionally. Many lenders step down their maximum loan to value ratio as loan size increases, so where twenty per cent might be standard, thirty per cent becomes common on larger amounts. The thresholds differ between lenders, which is exactly the sort of thing worth establishing before you set your budget.
Generally longer. Larger applications frequently go to a specialist credit team rather than standard assessment, more documentation is required, and valuations on substantial properties take more time. Allowing a longer finance clause than the standard twenty-one days is sensible.
Yes, but the field of lenders narrows at that level. The assessment is the same in principle, considering combined debt against expected sale proceeds, but fewer lenders will write bridging at larger amounts and their appetites differ. Identifying the right one early is the practical step.
Frequently, because you already hold the expensive parts, the land and the location. The comparison to run is renovation cost against the premium you would pay for a finished equivalent, plus stamp duty and selling costs on a move. On homes at this value the stamp duty alone is substantial, which often tips it toward renovating.
Book a free consultation and we will walk you through your options, what you can borrow, and what it will cost.
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Serving clients across Australia.
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Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Victoria
Suite 1/103 Grimshaw Street, Greensborough VIC 3088, Australia
Level 12, 15 Collins Street Melbourne VIC 3000, Australia
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.