Looking for a mortgage broker in Melbourne who won’t drown you in jargon or disappear after the first call? At CBM Mortgages, we make home loans feel human. Whether you’re buying your first apartment in Carlton or refinancing your family home in Glen Waverley, we’re here to guide you every step of the way.
Why Melbourne Homebuyers Choose CBM
• ✅ Local Know-How: We understand Melbourne’s diverse property market—from inner-city pads to leafy suburban blocks.
• ✅ Tailored Lending: We match you with the right lender and loan structure based on your goals, not theirs.
• ✅ Real Talk, Real Support: No fluff, no ghosting. Just clear advice and fast follow-through.
Melbourne’s property market isn’t one-size-fits-all. Over the past decade, it’s danced through boom cycles, cooling phases, and everything in between. But with the RBA’s 2025 rate cuts breathing new life into the market, buyers and investors are once again eyeing Melbourne’s buzzing inner and middle-ring suburbs.
Whether you’re looking to buy a townhouse in Fitzroy or refinance an apartment in Southbank, it pays to work with brokers who truly understand the city’s evolving landscape. That’s where CBM Mortgage comes in. As your trusted Melbourne mortgage brokers, we stay on top of changing lender policies, suburb-specific trends, and emerging opportunities equipping you with expert insights that simplify complex decisions and maximise value for the long term.
Houses +14.6% Units +6.0%
$5.35 million (2025)
21-23 Km's
34 days
$615,000 (May 2025); annual drop –1.6%
$940,000 (May 2025); annual change –1%
Understanding home loan fundamentals is essential when buying, refinancing, or investing in Melbourne’s dynamic property market. With so many loan types, features, and repayment structures available, making an informed decision can feel overwhelming but it doesn’t have to be.
Choosing the right mortgage product can directly influence your monthly outgoings, financial flexibility, and overall long-term goals. Whether you’re building wealth through investment, upgrading your lifestyle, or stepping into homeownership for the first time, getting clear on your mortgage options is a smart place to start.
At CBM Mortgages, we help Melbourne borrowers break down the jargon, assess the pros and cons of each loan type, and match the right product to their unique situation.
Choosing the right loan isn’t just about interest rates—it’s about finding a fit for your lifestyle, goals, and future plans. Here’s a quick breakdown of Melbourne’s most popular home loan types:
Lock in your rate for 1–5 years deal for budgeting amid Melbourne’s evolving market. Once the fixed term ends, the loan shifts to variable unless renegotiated. Its important to note fixed rate loans normally come with a limitation on making additional or lump sum repayments without a potential penalty fee.
Flexible rates that rise or fall with market conditions. A good fit for borrowers comfortable with change and seeking to benefit from rate drops. These loans will let you make lump sum or additional repayments without penalty.
Popular among investors initial repayments are lower since you pay interest only for a set period (usually 1–5 years). But the principal isn’t reduced, so be prepared for higher repayments once the interest only term expires and the loan rolls to a principal and interest repayment.
Before you dive into the Melbourne property market, it pays to understand the key ingredients of your home loan. Here’s what really matters:
Even small rate changes can significantly impact repayments so its important you know what interest rate you are on from day one
Typically 25–30 years longer term lowers monthly payments but increases total interest; shorter term does the opposite.
The standard repayment if you have an interest only loan. This loan repayment might suit clients who are paid on a monthly basis
Again a repayment that might suit your salary cycle. with the increased repayments you will see you save interest over the lifetime of your loan.
Great if you want to pay of your loan quicker as this will lower your loan balance 52 times a year and therefore the interest owed on your loan.
An offset account is like a regular transaction account that’s linked to your home loan. The money sitting in it doesn’t earn interest—instead, it reduces the interest you pay on your mortgage.
If you have $30,000 in your offset account and a $500,000 loan, you’ll only be charged interest on $470,000. That means every dollar in your offset is working to shrink your interest bill.
Think of it as your mortgage’s best friend: always quietly working in the background to save you money.
A redraw facility lets you access any extra repayments you’ve made on your home loan. So if you’ve been paying more than the minimum, that surplus builds up—and you can dip into it when needed.
Say your minimum repayment is $2,000/month, but you’ve been paying $2,500. That extra $500/month adds up. With redraw, you can pull that money back out if life throws you a curveball—or if you just want to fund a reno or holiday.
It’s like a rainy-day fund built into your mortgage—smart, flexible, and totally under your control.
Note: Interest-only loans usually require monthly repayments and offer less flexibility during the interest-only period.
Despite modest growth over the past few years, Melbourne continues to be one of the most sought-after cities for property investors across Australia. Its relative affordability compared to Sydney, combined with stable rental yields and consistently high demand, makes it a compelling choice for both local and interstate investors. The city’s diverse economic base, strong employment opportunities, and expanding infrastructure projects contribute to its long-term appeal.
Melbourne’s inner-city and middle-ring suburbs—such as Richmond, Coburg, and Preston—are seeing increasing interest from investors due to lifestyle amenities, transport connectivity, and rental demand from students, professionals, and families. With this shift, now is an ideal time to align your investment strategy with a loan structure that supports cash flow, tax efficiency, and capital growth.
At CBM Mortgages, we help you navigate the investment landscape with smart lending strategies tailored to your goals and the Melbourne market.
Melbourne's median house price is now $940,000 million, reflecting long-term value growth.
Quality homes and units in Melbourne are always in demand, particularly among young professionals and families.
With beautiful parks, waterfront views, and a vibrant village atmosphere, Melbourne offers the lifestyle that attracts reliable tenants.
Inner-city rental markets tend to have consistently low vacancy, supporting stable rental income.
If you’re considering purchasing an investment property in Melbourne, here are the main loan types to consider
Lower initial repayments and maximizing short-term tax benefits, though principal remains untouched during the interest-only period.
Repay both principal and interest from day one builds equity faster and typically negotiates better overall rates.
At CBM Mortgages, we don’t just find you a loan—we walk beside you every step of the way, making the process smooth, stress-free, and even a little fun. Here’s how we help Melbourne buyers get the best deal:
Before we talk lenders, we talk about you. We’ll help you understand your borrowing power by reviewing your income, expenses, credit score, and savings. No judgment—just clarity and smart planning tailored to Melbourne’s property scene.
We scan the entire lending landscape—from major banks to boutique lenders—to find the loan that fits your goals. We look beyond rates, weighing up features, fees, and flexibility. You’ll get options that actually make sense for you.
No jargon, no surprises. We explain the nitty-gritty—repayment terms, offset accounts, redraw rules, and any sneaky fees—so you know exactly what you’re signing up for.
Once you’ve picked your loan, we take care of the rest. From gathering documents to liaising with the lender, we keep things moving and keep you in the loop. Fast approvals, zero stress.
Pre-approval is your bidding superpower. We’ll handlethe whole process once the loan is submitted and guide you through to obtain your pre-approval. That will then enable you to go out and start bidding on your dream home.
Whether you’re climbing the property ladder or building a portfolio, CBM Mortgages brings clarity, strategy, and a touch of swagger to your home loan journey. Here’s how we tailor our expertise to suit your goals:
Smart structures for complex incomes. Bonuses, commissions, trusts, tax strategies—we get it. We’ll design flexible loan solutions that work with your financial setup, not against it. No cookie-cutter approvals here.
Room to grow, without the financial squeeze. We help you unlock equity, explore bridging loans, and structure repayments that suit your lifestyle. Whether it’s a bigger backyard or a better school zone, we make the move manageable.
Loans built for long-term yield. From interest-only strategies to portfolio-friendly structures, we speak fluent investor. We’ll help you maximise returns, minimise tax, and keep your growth goals on track.
Guidance from “just browsing” to “keys in hand.” We simplify the process—grants, deposits, lender negotiations, and all the fine print. You’ll know what to expect, what to avoid, and how to land your first home with confidence
Melbourne buyers, beware—these slip-ups can cost you big. At CBM Mortgages, we help you steer clear of:
Refinancing isn’t just about chasing a lower rate—it’s about unlocking flexibility and future potential. If you’ve built equity or your goals have shifted, CBM Mortgages can help you:
We tailor refinancing to Melbourne’s market conditions and your long-term plans—no generic advice, just smart strategy.
At CBM Mortgages, we’re more than brokers—we’re your local strategy partners. Based right here in Melbourne, we bring deep market insight, financial expertise, and a personal touch to every home loan journey.
We know the rhythm of this city—from auction fever in the inner suburbs to hidden gems in the outer growth corridors. That means we don’t just find you a loan—we find the right loan for your postcode, your goals, and your lifestyle.
We work with a wide network of lenders—from big banks to boutique specialists—to tailor solutions that fit your unique situation. Whether you’re buying, refinancing, or investing, we simplify the process and keep you in control.
What sets us apart:
• ✅ Local knowledge that gives you an edge
• ✅ Transparent advice with zero jargon
• ✅ Fast, responsive service that respects your time
• ✅ Long-term support, not just one-off transactions
At CBM, we’re not just helping you get approved—we’re helping you build a future.
At CBM Mortgages, we don’t just crunch numbers—we build strategies that fit your life, your goals, and your postcode. Whether you’re buying your first home, refinancing, or growing your portfolio, we’re here to simplify the process and deliver smart, tailored solutions.
Let’s chat about where you’re headed and how we can help you get there—without the jargon, without the pressure, and with a whole lot of local know-how.
No pressure, no jargon—just a quick chat to see what’s possible for your property goals.
Book your free consultation today.
We’ll bring the coffee and the clarity.
