Home loans in 3175
Mortgage broker for Dandenong
Dandenong has more small business owners, sole traders and family-run operations than almost anywhere in the South-East. It also has a median house price near $765,000, up about 5.5% on the year. Those two facts together are why so many people here get knocked back by a bank and assume that is the end of it.
Self-employed lending, done properly
A bank saying no is one lender's opinion, not a verdict
If you run a business, the major banks generally want two years of tax returns and financials, and they read them conservatively. Every depreciation claim, every one-off expense, every dollar you legitimately wrote off comes straight out of the income they will assess you on. That is how a profitable business ends up with a borrowing capacity that looks nothing like reality.
Other lenders on our panel treat the same paperwork differently. Some add back depreciation and one-off costs. Some will work from one year of returns, or from BAS statements and an accountant's letter. Same borrower, same business, materially different answer. Knowing which lender reads your situation which way is most of the job.
- Add-backs applied properly, so your real income gets assessed
- Lenders that accept one year of returns, BAS or accountant declarations
- Shaheera spent 20+ years in lending, including senior roles at ANZ
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Dandenong market snapshot
What it costs to buy in Dandenong right now
House medians for Dandenong 3175 as at mid-2026. Property data moves, treat these as a guide, not a quote. Deposit figures are simple percentages of the median and exclude stamp duty, legal and other purchase costs.
How we help in Dandenong
Whatever you're financing
First Home Buyers
Grants, guarantees and low-deposit schemes explained, so you can buy your first Dandenong home with confidence.
Refinancing
Still on an old rate? We review your loan against the market and only switch you if it actually puts you ahead.
Home Loans
Buying your next home? We find the right rate and structure and handle the lender and paperwork for you.
Investment
Build a property portfolio that's structured to grow, equity, serviceability and structure working together.
Areas we serve
Dandenong and across South-East Melbourne
As a Dandenong South-based broker, we help clients right across the South-East, in person or online, whatever suits you.
Simple from start to finish
How it works
Free chat
We get to know your goals and borrowing power.
We compare
We search 35+ lenders and shortlist the options that fit.
We apply
We package and submit your application, and chase it for you.
Settlement
We see it through to approval, and stay in touch after.
Common questions
Dandenong home loan questions, answered
Can I get a home loan in Dandenong if I'm self-employed?
Yes, and it is a large part of what we do here. The requirement varies a lot by lender: some want two years of tax returns and financials, others will work from one year, and a few accept BAS statements with an accountant's declaration. We match you to the lender whose policy fits your paperwork instead of putting you through the one that will decline you.
What if a bank has already knocked me back?
It happens constantly and it is not the end of it. A decline is one lender applying its own credit policy. Bring us the reason they gave and we will tell you honestly whether it is fixable, which lenders assess it differently, and whether you are better off waiting a few months. We will not submit an application we expect to fail, because every hit shows on your credit file.
What deposit do I need in Dandenong?
On a median house near $765,000, 20% is about $153,000. An eligible first home buyer using the First Home Guarantee can buy with 5%, roughly $38,300, without paying lenders mortgage insurance.
Do you do commercial and business finance too?
Yes. Alongside home loans we arrange commercial property, equipment and asset finance, which matters in Dandenong where a lot of clients need both sides handled by someone who understands the whole picture.
Ready to talk to a local Dandenong broker?
Tell us your situation and we'll point you in the right direction, for free.