Can I get a loan for a student apartment in Carlton?

Purpose-built student accommodation and serviced apartments sit outside standard residential policy at most lenders — but specialist options exist, typically at lower LVRs. If it's a standard apartment in a mixed building, mainstream lending usually applies. We identify which category the property falls into before you commit.

How do lenders treat heritage-listed Carlton terraces?

Heritage overlay itself rarely blocks lending, but it affects valuation and any renovation plans — works cost more and take longer, which matters if you're borrowing for improvements. We factor the overlay into structure and valuation strategy from the start.

Who will handle my application?

A director — Brian Hermosilla or Frank Marin — personally, from first conversation to settlement and beyond. No call centres, no handoffs; that's the point of a boutique firm.

Yes — our office is in Coburg North and we regularly meet clients across Melbourne's north and west, or by phone and video if that's easier. Most of the process runs digitally once we're underway.

Mortgage Broker Carlton

Integrated Finance Group is a boutique, director-led finance firm serving Carlton from our Coburg North office. Directors Brian Hermosilla and Frank Marin — former business bankers with 45+ years of combined experience — personally handle every file, from first home loans to commercial and complex lending. Strategy first, no fees to you.

About Carlton

Carlton is inner Melbourne at its most storied — Lygon Street's Italian precinct, the University of Melbourne, Princes Park and some of the city's finest Victorian terrace streetscapes. Its housing splits sharply: heritage terraces on tree-lined streets, and a deep student-driven apartment market around the university.

Our specialty in Carlton: heritage and high-value lending

Carlton terraces are high-value, often heritage-overlaid purchases where valuation strategy matters — comparable sales are scarce and valuer selection can move outcomes materially. For apartments, building type dictates the lender: student-purpose and serviced stock needs specialist policy. Both ends are complex lending done properly.

The Carlton property market

The terrace market is thin, tightly held and premium — properties here compete with Fitzroy and East Melbourne for buyers. The apartment market is the opposite: abundant, investor-heavy and priced accessibly, but with lender policy landmines around student accommodation, serviced apartments and sub-50sqm lots.

Terrace buyers are established professionals and downsizers paying for position; apartment buyers are investors, parents buying for university-bound children, and first home buyers hunting value near the CBD.

Lending services in Carlton

Everything we do across Melbourne, we do for Carlton clients: first home buyer loans (including the 5% deposit scheme), refinancing and debt consolidation, investment lending, self-employed and alt-doc loans, construction and development finance, commercial lending, SMSF loans and vehicle & equipment finance. Start with our calculators, then bring the numbers to a director.

Your Carlton brokers

Brian Hermosilla — mortgage broker serving Carlton

Brian Hermosilla
Director

20+ years in banking & finance — business banking since 2003, formerly NAB. Commercial, construction, development and complex lending.

0401 333 636

Frank Marin — mortgage broker serving Carlton

Frank Marin
Director

20+ years in banking & finance — business banking since 2003, formerly NAB. SMSF lending and SME business finance specialist.

0413 032 898

Nearby areas we serve

Carlton North · Fitzroy · Brunswick — or see all service areas.

Carlton Home Loan Questions

Can I get a loan for a student apartment in Carlton?: Purpose-built student accommodation and serviced apartments sit outside standard residential policy at most lenders — but specialist options exist, typically at lower LVRs. If it's a standard apartment in a mixed building, mainstream lending usually applies. We identify which category the property falls into before you commit.
How do lenders treat heritage-listed Carlton terraces?: Heritage overlay itself rarely blocks lending, but it affects valuation and any renovation plans — works cost more and take longer, which matters if you're borrowing for improvements. We factor the overlay into structure and valuation strategy from the start.
Who will handle my application?: A director — Brian Hermosilla or Frank Marin — personally, from first conversation to settlement and beyond. No call centres, no handoffs; that's the point of a boutique firm.
Can we meet locally?: Yes — our office is in Coburg North and we regularly meet clients across Melbourne's north and west, or by phone and video if that's easier. Most of the process runs digitally once we're underway.

Talk to a director about buying in Carlton

A free, no-obligation conversation about your suburb, your scenario and your strategy — with the person who'll actually handle your file.

Book a Free Consultation or call 0401 333 636 (Brian) · 0413 032 898 (Frank)

Reviewed by Brian Hermosilla, Director — 20+ years in banking & finance · Credit Representative 485802 · MFAA Member #716100. General information only — not credit, financial or taxation advice. Market commentary is qualitative and current at publication.