Mortgage Broker Kensington
Integrated Finance Group is a boutique, director-led finance firm serving Kensington 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 Kensington
Kensington is one of the CBD's closest village suburbs — Victorian workers' cottages on quiet grids, the Younghusband wool-store precinct's creative conversions, JJ Holland Park, and its own station four kilometres from town. Stockyard history gave it the street pattern; gentrification gave it the café strip.
Our specialty in Kensington: inner-city cottage and conversion lending
Kensington files mix heritage cottages, warehouse conversions and renewal-corridor apartments — three different lender conversations in one postcode. We bring the building-level policy knowledge, and for cottage renovators, the construction lending to do it properly.
The Kensington property market
Cottage stock is compact, charming and keenly contested; larger family homes are scarce and command a premium. Apartments — both warehouse conversions and newer builds along Macaulay Road — broaden the entry, with the corridor's ongoing renewal adding supply and negotiating room.
Professionals who want walk-to-work proximity with village quiet, first home buyers targeting the conversion and apartment stock, and long-term owners trading up within the suburb they refuse to leave.
Lending services in Kensington
Everything we do across Melbourne, we do for Kensington 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 Kensington brokers
Director
20+ years in banking & finance — business banking since 2003, formerly NAB. Commercial, construction, development and complex lending.
0401 333 636
Director
20+ years in banking & finance — business banking since 2003, formerly NAB. SMSF lending and SME business finance specialist.
0413 032 898Nearby areas we serve
Flemington · Ascot Vale · Footscray — or see all service areas.
Kensington Home Loan Questions
- Are Kensington warehouse apartments financeable at normal LVRs?
- Usually yes for established conversions with standard strata titles; policy tightens for unusual titles or heavily commercial buildings. The Younghusband precinct's newer stages are mainstream. We confirm the specific building's lender fit before you offer.
- What deposit do I need for a Kensington cottage?
- Cottages here typically sit above First Home Guarantee caps, so the usual paths are 10–20% deposit with or without LMI, or a guarantor structure. Equity-backed upgraders have more options; we structure whichever route prices best for your position.
- How long does pre-approval take?
- Typically a few days to two weeks depending on the lender and your documentation. We prepare files completely before lodgement, which is the single biggest factor in fast, reliable approvals.
- Does it cost anything to use IFG as my broker?
- In almost all cases, no — we're paid by the lender on settlement, disclosed in writing upfront. Under the Best Interests Duty our recommendation must be what's right for you, and as a boutique firm our business depends on it being so.
Talk to a director about buying in Kensington
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.