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Victoria | Lydian platform, delivered in partnership with Clark Finance Group
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Ivanhoe East is the quieter and more expensive side of Ivanhoe. Large period and architect-designed homes, wide streets, no shopping strip to speak of, and a market that turns over slowly. Buyers here are usually established families making a long-term move.
Ivanhoe East sits at a price point where standard lending starts to behave differently. Above certain loan sizes, lenders apply tighter loan to value ratios, require more documentation, and sometimes route the application through a different credit team altogether. What is routine at eight hundred thousand is not necessarily routine at two and a half million.
The borrowers themselves are frequently more complex too. Company structures, trust income, self employment, investment portfolios and bonus-heavy remuneration are all common. Presenting that properly is a large part of the work, and different lenders assess the same income in meaningfully different ways.
Almost every purchase here involves an existing home to sell. With so few properties trading, waiting to sell first is rarely practical, so bridging is close to standard practice.
Larger loans are assessed differently. Tighter ratios, more documentation, sometimes a different credit team entirely.
Trusts, companies, bonuses and investment income. The same figures produce very different answers at different lenders.
With so little stock, waiting to sell first is rarely realistic. Bridging is the normal path here, not the exception.
Whatever stage you are at, there is a path through it. Pick the one that sounds like you.
Not harder exactly, but different. Above certain thresholds lenders often reduce the maximum loan to value ratio, ask for more supporting documentation, and may require the application to be assessed by a specialist credit team. The process takes longer. Knowing which lenders are genuinely comfortable at your loan size saves considerable time.
It varies enormously. Some lenders take a conservative view of bonuses, using only a portion or requiring two years of consistency; others are more accommodating. Trust and company income brings in questions about distributions, retained earnings and who controls the entity. The spread between the most and least generous assessment of identical income can be very large.
Usually more, proportionally, than at lower price points. Many lenders reduce their maximum loan to value ratio as the loan size increases, so where twenty per cent might be standard lower down, thirty per cent is common on larger loans. It varies by lender and by loan size, which is exactly the sort of thing worth establishing early.
There are structures that allow it, though they are a different product to a home loan and carry their own risks including margin calls. It is not something to enter into casually, and we would want you to have advice from a licensed financial adviser alongside anything we arranged. For most buyers here, equity in existing property is the simpler route.
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.
Authorised Representative no. 525 778
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.