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Melbourne’s trusted residential finance partner
Residential Finance Services Melbourne
Whether you’re buying your first home, expanding your property portfolio, or developing residential projects in Melbourne, 42 Advisory delivers fixed-fee, data-driven lending advice you can trust.
Clarity for Melbourne property buyers and investors
Finance advice that goes beyond brokerage
Buying, building, or refinancing a property in Melbourne should be exciting — not overwhelming.
At 42 Advisory, our residential finance specialists combine accounting precision with strategic finance advice to give you clarity, not confusion.
We’re not brokers chasing commissions. We’re an advisory-led, fixed-fee finance team who look at the whole picture — your tax position, business structure, investment strategy, and long-term goals — before recommending any loan.
Our process is calm, transparent, and data-driven.
From first-home buyers to seasoned investors, we help clients across Chadstone, Glen Waverley, Malvern, Ashburton and surrounding suburbs secure lending that fits both their property goals and financial realities.
We don’t sell loans — we design lending strategies that support your life plan.
Comprehensive residential finance solutions
Tailored lending services for every property goal
At 42 Advisory, we provide complete residential finance services across Melbourne, helping individuals, families, and investors access smarter, more strategic funding.
Each service is delivered with our fixed-fee transparency, ensuring your decisions are driven by what’s right for you — not lender incentives.
Investment property loans Melbourne
Build your property portfolio with confidence.
Whether you’re expanding your investment portfolio or purchasing your first rental property, our advisers help you secure the right lending structure to maximise returns and minimise tax.
Home loans Melbourne
Finance your Melbourne home with confidence and clarity.
Our home loan advisory team helps you compare lenders, negotiate better terms, and choose features that match your lifestyle and cash flow.
Construction loans Melbourne
Finance your build from the ground up.
Whether you’re building your dream home or managing a small development, we help you secure structured construction finance tailored to your timeline and budget.
Refinancing & restructuring Melbourne
Optimise your loan and reduce unnecessary costs.
We regularly review existing loans for homeowners and investors to improve terms, reduce interest, and simplify debt.
SMSF property loans Melbourne
Invest in property through your self-managed super fund — safely and strategically.
Our SMSF finance specialists ensure your lending structure meets both ATO and superannuation compliance standards, while supporting long-term investment outcomes.
First home buyer loans Melbourne
Navigate the Melbourne property market with support from experienced advisers.
We help first-time buyers access government assistance, secure pre-approvals, and understand every step of the loan process.
Ready to explore your finance options?
Book your free residential finance consultation with a Melbourne adviser today.
Common questions about residential finance in Melbourne
Residential finance FAQs for Melbourne home buyers, investors, and developers
What is residential finance and how does it work in Melbourne?
Residential finance refers to the funding options available to buy, build, or refinance property.
In Melbourne, this includes home loans, investment property loans, and construction finance offered by both banks and specialist lenders.
At 42 Advisory, we assess your financial position, compare lenders, and design a structure that suits your goals — not the lender’s incentives.
How do I finance a residential development in Melbourne?
Financing a residential development usually involves combining your own equity with construction or development loans.
We help clients in Melbourne secure tailored funding by:
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Assessing project feasibility
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Matching lenders based on risk profile and project scale
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Managing progress drawdowns and refinancing post-completion
Our advisory process ensures funding aligns with your project timeline and financial plan.
Should I refinance my current home loan?
If your home loan is more than two years old, or if your interest rate hasn’t been reviewed recently, refinancing may help you:
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Secure a lower rate
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Access cash-out for renovations or investments
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Simplify multiple debts
Our advisers can compare more than 50 Australian lenders and show you exactly what refinancing could save — without sales pressure.
What’s the difference between a mortgage broker and a finance adviser?
A mortgage broker arranges loans, often earning commissions from the lender.
A finance adviser, like 42 Advisory, provides strategic lending advice that integrates with your accounting, tax, and business structure — delivered under a fixed-fee model for full transparency.
We work for you, not the bank.
Can I buy property through my self-managed super fund (SMSF)?
Yes, but it requires a compliant loan structure called a Limited Recourse Borrowing Arrangement (LRBA).
We help Melbourne clients establish SMSF property loans that meet ATO rules and superannuation trust deeds while maximising long-term returns.
Are there special programs for first home buyers in Melbourne?
Yes — Victoria offers several assistance programs, including:
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First Home Buyer Grant (FHOG)
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Stamp duty concessions
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First Home Guarantee (FHG) for low-deposit buyers
We’ll help you understand eligibility and coordinate your finance so you can enter the market confidently.
Credit Services Disclosure
Our Partnership with aXelerate advisory
42 Advisory Pty Ltd does not hold an Australian Credit Licence and does not provide credit advice.
Finance services are provided through a joint venture and referral arrangement with aXelerate advisory Pty Ltd (Australian Credit Licence No. 389328; Credit Representative Number 553736), which is the credit licensee and responsible for the credit activities conducted.
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