Insights from EverLend

Blogs, podcasts and more.

Want to make smart moves with your money? Get property, finance and investment insights from the EverLend team.

Notebook with pen beside a small white house model with a red roof on a white table
By Evelyn Clark • November 3, 2026
SMSF property investment in South East Melbourne explained: LRBA rules, borrowing capacity and how a specialist broker compares 60+ lenders for your fund.
Man holding a miniature house beside a smiling woman in front of a real house and flowers
By Evelyn Clark • November 3, 2026
Next home buyers in Melbourne: follow our 5-step guide to buy your second home. Budget, compare home loan rates, bridging loans, stamp duty & more.
Two people sit on the floor by an open window in a mostly empty room with paint cans and renovation supplies.
By Evelyn Clark • November 3, 2026
How renovation loans work in Melbourne: equity loans, construction loans, redraw and line of credit, with steps to apply and broker help from EverLend.
Dentist in a mask and gloves examining a patient’s teeth in a clinic.
By Evelyn Clark • November 3, 2026
Home loans for dentists in Melbourne with higher limits, waived LMI, and tailored support from expert mortgage brokers.
Doctor and patient talking in a bright clinic office with a stethoscope and laptop nearby
By Evelyn Clark • November 3, 2026
Discover how Melbourne medical professionals can access specialised no-LMI mortgages. Your comprehensive guide to medical professional home loans.
Surgical team in green scrubs working in a bright operating room under overhead lights.
By Evelyn Clark • October 27, 2026
Home loans for healthcare professionals in Melbourne: how lenders assess shift work, LMI waivers for eligible roles, documents and the steps to apply.
Aerial view of a suburban neighborhood with a long straight road lined by trees and houses.
By Evelyn Clark • October 27, 2026
Choosing the best Melbourne suburbs for an investment property: growth, yield and infrastructure factors to weigh, plus how EverLend helps with finance.
Modern stone villa with balconies and a lit pool at dusk
By Evelyn Clark • October 27, 2026
Melbourne's most expensive suburbs by 2025 median house price, from Toorak to Ivanhoe East, plus prestige home loan help from EverLend in St Kilda.
Three people walking hand in hand down a tree-lined park path, one pushing a stroller
By Evelyn Clark • October 27, 2026
15 family-friendly Melbourne suburbs compared on schools, parks, transport and 2025 median house prices. Home loan help from EverLend, St Kilda.
People in a modern kitchen listening to a woman holding papers near a stove and shelves.
By Evelyn Clark • October 27, 2026
Buying your first home in Victoria? 12 tips on deposits, the $10,000 First Home Owner Grant, stamp duty savings and pre-approval from EverLend.
By Evelyn Clark • October 13, 2026
Pre-approval declined in South East Melbourne? Here's why lenders pull back and what to fix before you apply. EverLend compares across 60+ lenders.
By Evelyn Clark • October 13, 2026
Cross-collateralisation ties your properties to one lender. How it works in South East Melbourne, when it traps you, and how a broker unwinds it.
By Evelyn Clark • October 13, 2026
Two lenders, same income, different answers. Here's why borrowing limits vary across South East Melbourne and what shifts your number before you apply.
By Evelyn Clark • October 13, 2026
Lenders read your bank statements closely before approving a home loan in South East Melbourne.
By Evelyn Clark • October 13, 2026
A mortgage broker compares home loans across 60+ lenders, handles your paperwork and negotiates on your behalf.
By Evelyn Clark • October 13, 2026
Victorian land tax reduces borrowing power for property investors in South East Melbourne.
By Evelyn Clark • October 13, 2026
Ready to upsize from a unit to a house in South East Melbourne? Here's how lenders assess your equity, bridging options and borrowing capacity.
By Evelyn Clark • October 13, 2026
Which South East Melbourne suburbs show the strongest momentum? CoreLogic data shows where house and unit medians moved most, and what it means for buyers.
By Evelyn Clark • October 13, 2026
South East Melbourne property market update for 2026. House medians from $1,280,000 in Moorabbin to $4,960,000 in Toorak.
By Evelyn Clark • October 13, 2026
SMSF loans for commercial property in South East Melbourne still work well after the 2026 residential ban.
By Evelyn Clark • October 13, 2026
Considering acreage or a rural lifestyle property near South East Melbourne? How lenders assess rural loans, what deposits apply, and how we can help.
By Evelyn Clark • October 13, 2026
Refinancing to renovate in South East Melbourne? Learn how equity release works, what lenders assess, and how to compare your options across 60+ lenders.
By Evelyn Clark • October 13, 2026
Refinancing your investment property in South East Melbourne? How lenders assess equity, serviceability and rental income, and when it's worth acting.
By Evelyn Clark • October 13, 2026
Separating and need to refinance? How lenders assess your situation in South East Melbourne, what the process looks like, and how to protect your position.
By Evelyn Clark • October 13, 2026
Redraw vs offset accounts in South East Melbourne explained: how each works, what lenders assess differently, and how to choose the right structure.
By Evelyn Clark • October 13, 2026
Buying a prestige home above $2 million in South East Melbourne? Learn how lenders assess high-value lending, deposit requirements and borrowing capacity.
By Evelyn Clark • October 13, 2026
Owners corporation fees reduce your borrowing capacity in South East Melbourne. How lenders assess OC fees, what it means for your deposit, and options.
By Evelyn Clark • October 13, 2026
Offset accounts cut your home loan interest daily without locking money away. How they work, when they suit you, and what lenders check.
By Evelyn Clark • October 13, 2026
The off-the-plan stamp duty concession in South East Melbourne lets buyers deduct construction costs from dutiable value.
By Evelyn Clark • October 13, 2026
Defaults, bankruptcy or bad credit? Non-conforming home loans in South East Melbourne let you borrow again.
By Evelyn Clark • October 13, 2026
Most affordable suburbs in South East Melbourne: unit medians from $470k, which suburbs sit under the $950k cap, and what you can borrow.
By Evelyn Clark • October 13, 2026
See verified 2026 house and unit medians across South East Melbourne suburbs, from Moorabbin to Toorak.
By Evelyn Clark • October 13, 2026
A low bank valuation can stall your purchase or refinance in South East Melbourne. What causes the shortfall, how lenders respond, and your real options.
By Evelyn Clark • October 13, 2026
Your LVR shapes your deposit, your rate and whether you pay LMI. How lenders in South East Melbourne assess LVR and what moves the number in your favour.
By Evelyn Clark • October 13, 2026
Thinking about buying in South East Melbourne? Here's what the 2026 data says about prices, lending conditions and timing across the area's suburbs.
By Evelyn Clark • October 13, 2026
Shift work, freelance, casual or variable income? How lenders in South East Melbourne assess irregular earnings and what changes your borrowing number.
By Evelyn Clark • October 13, 2026
Some income types reduce your borrowing power or stop an application. What lenders won't accept in South East Melbourne, and how to structure around it.
By Evelyn Clark • October 13, 2026
Saving a deposit in South East Melbourne takes planning. How to save faster, which schemes cut the deposit you need, and what local buyers are doing.
By Evelyn Clark • October 13, 2026
Thinking of switching mortgage brokers in South East Melbourne? Here's exactly how to change brokers, what to ask, and how to find the right fit.
By Evelyn Clark • October 13, 2026
Applying for a home loan in South East Melbourne? How lenders assess your application, what documents you need, and how a broker compares 60+ lenders.
By Evelyn Clark • October 13, 2026
How much do you need to earn to buy in South East Melbourne? A local broker explains how lenders assess income and borrowing capacity, and what moves it.
By Evelyn Clark • October 13, 2026
How much can you borrow as a first home buyer in South East Melbourne? We explain how lenders assess your income, debts and deposit across 60+ lenders.
By Evelyn Clark • October 13, 2026
How many investment loans can you hold in South East Melbourne? How lenders assess portfolios, DTI caps, servicing and deposit requirements.
By Evelyn Clark • October 13, 2026
Business loans in South East Melbourne work differently from home loans. How lenders assess income, cash flow and property to find the right structure.
By Evelyn Clark • October 13, 2026
Business debt doesn't stop you borrowing in South East Melbourne, but it changes how lenders assess you.
By Evelyn Clark • October 13, 2026
Buying vacant land in South East Melbourne? Lenders assess it very differently from a house purchase.
By Evelyn Clark • October 13, 2026
Pharmacists in South East Melbourne can borrow to 90% LVR with no LMI at eligible lenders.
By Evelyn Clark • October 13, 2026
Buying off the plan in South East Melbourne? How lenders assess your loan, what the temporary duty concession saves, and how a broker compares 60+ lenders.
By Evelyn Clark • October 13, 2026
A new job shouldn't stop you buying in South East Melbourne. How lenders assess probation and income history, and how a broker finds the right lender.
By Evelyn Clark • October 13, 2026
Earning less doesn't mean borrowing less. How low income earners in South East Melbourne access home loans, schemes and lenders across a 60+ panel.
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