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Kew is one of Melbourne’s established addresses, with large period homes, significant private schools and a market that trades slowly and at high values. Buyers here are typically established families making a long-term move, and the lending reflects that scale.
Kew operates at a price point where standard home lending behaves differently. Above certain loan sizes lenders reduce their maximum loan to value ratios, require more documentation and often route applications to a specialist credit team. A deposit percentage that works comfortably at eight hundred thousand may not be available at three million.
The borrowers are frequently complex as well. Company and trust structures, self employment, investment income and bonus-weighted remuneration are all common. The way lenders assess those varies substantially, and the difference between the most and least generous assessment of identical income can be hundreds of thousands in borrowing capacity.
Nearly every purchase involves an existing property. Given how tightly held Kew is, waiting to sell first generally means missing out, so bridging at high values is routine work here.
Larger loans mean tighter ratios, more documentation and specialist credit assessment. Lender choice matters enormously.
Trusts, companies, bonuses and investment income. The same figures produce very different borrowing capacity.
Fewer lenders write bridging at these amounts. We know which are comfortable at your figure.
Whatever stage you are at, there is a path through it. Pick the one that sounds like you.
Usually more, proportionally, than at lower price points. Many lenders step down their maximum loan to value ratio as the loan grows, so thirty per cent or more is a realistic planning figure at this level, though some will still consider eighty per cent. It varies enough between lenders that it is worth establishing before you set a budget.
Conservatively, and inconsistently between lenders. Some will use only fifty or eighty per cent of a bonus and require two years of consistency; others take a fuller view. Share-based remuneration is treated differently again, with some lenders excluding it entirely. If a material part of your income is variable, lender selection is the single biggest factor in what you can borrow.
Yes, and it is common at this level, though it adds complexity. Lenders will want the trust deed, financials for the entity, and usually personal guarantees from the trustees. Not every lender is comfortable with every structure. Whether a trust is right for you is a question for your accountant and solicitor rather than us.
Rarely practical. Kew is tightly held and the right home appears infrequently, so most buyers use bridging to secure the purchase and sell afterwards. At these values fewer lenders write bridging comfortably, so having identified the right one in advance is what makes it work smoothly.
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.