Higher-value properties can mean tighter lending criteria and specific valuation requirements. We know how to navigate both.
Meet Mel and the Zest team, who've helped hundreds of clients secure finance for premium and high-value properties.
Higher-value homes often sit outside a lender's standard policy. Larger loan sizes, unique properties and a smaller pool of comparable sales can all lead to tighter lending criteria and more detailed valuation requirements. Some lenders have little appetite for this end of the market, while others are set up for it.
We compare 60+ lenders to find one with the appetite and flexibility to match your purchase, and we keep the process discreet from the first conversation through to settlement. We are based in Springfield and work with buyers across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe financing a high-value or luxury home should be just as simple as any other purchase. Here are a few recent Zest Google reviews we think you'll love!
A conversation with Mel & the team is the best place to start. We'll walk through your goals and the type of property you're after to plan the right approach.
Not every lender is set up for larger loan sizes or unique properties. We compare across 60+ lenders to find one with the appetite and flexibility to match.
Once we've found the right lender, we manage the application from start to finish, keeping the process discreet and straightforward.
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Our exclusive property home loans suit buyers of high-value and prestige homes, acreage estates and executive properties. Larger loans often need a more tailored approach to valuations, income and structure. Business owners buying at this level can also see our business owner home loans page.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Brookwater, with its golf course and executive homes, is one of the region's best-known prestige areas, alongside larger blocks and acreage on the outskirts of Springfield and Ipswich. We help buyers at this level find lenders comfortable with larger loans.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Many lenders reduce the maximum loan to value ratio on larger loans, which means a bigger deposit may be needed.
Unique homes can be harder to value, so lenders may use specialist valuers. A conservative valuation can affect your borrowing.
Yes, many lenders will consider complex income with the right documents.
Some lenders offer private banking packages with sharper pricing for larger loans. We compare these too.
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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."
