Not every lender treats apartments the same way, especially smaller units or high-density buildings. We'll help you find a lender who will actually approve the property you want.
Meet Mel and the Zest team, who've helped hundreds of clients secure finance for apartments and units.
With an apartment, lenders assess the property as closely as they assess you. Some limit how much they will lend on small apartments, studios or units in large developments, and high-density buildings can attract extra conditions. The rules vary a lot between banks, so a unit one lender declines may be acceptable to another.
We compare 60+ lenders to find one comfortable with the specific property you want, ideally before you make an offer. We are local brokers based in Springfield, helping apartment and unit buyers across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe buying an apartment should be just as simple as buying a house. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team is the best place to start. We'll check the property details early so you're not caught out by lender restrictions later in the process. No cost, no obligation.
Some lenders limit how much they'll lend on small apartments, studios, or units in large developments, and the rules vary a lot between banks. We compare across 60+ lenders to find one comfortable with your specific property.
Once you've got the right lender lined up, we manage the application and keep the paperwork moving. Body corporate documents and strata reports are often required, so we'll let you know exactly what's needed up front.
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An apartment home loan suits anyone buying a unit or apartment to live in or as an investment. Lenders apply extra rules to apartments based on size, building type and location, so the right lender can make a big difference. Buying as an investment? See property investor loans.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Springfield Central and areas close to Ipswich's centre have a growing range of apartments and townhouses near transport and amenities. Some lenders are more flexible than others on smaller apartments, so comparing policies is important.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Sometimes. Some lenders require a larger deposit for small apartments or high-density buildings.
It varies. Many lenders have minimum internal size requirements, and some won't lend on very small apartments at all.
Usually not. Townhouses are often assessed more like houses, though body corporate details are still checked.
Yes. Reviewing the body corporate records can reveal upcoming costs or building issues before you buy.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
